Many factors, besides state requirements, go into the calculation of premium rates for Seattle auto insurance. By informing yourself of these factors you can better protect yourself financially in the event of an accident and better find the best rates.
Auto insurance can be difficult to understand. There are many types of coverage available and there are differences in the requirements from state to state. Many Americans also don't know that premiums and rates are calculated based on credit ratings.
Research what insurance coverage options you have available to you and learn how you can save money by better understanding the auto industry. Insurance requirements vary from state to state, so make sure you know what is required in Washington. Surprisingly your driving record may affect your rate less than the type of vehicle you drive.
Surveys show that Washington drivers pay higher premiums than most other states. One of the reasons for this is the harsh cold weather found in this region. The roads become icy and dangerous in freezing weather, raising the frequency of vehicle accidents.
Washington requires that all drivers have what is called 25/50/10 coverage. This term means that drivers have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Drivers must also have $10,000 property damage liability coverage to pay for property and vehicle damages.
Washington uses what is called a "tort system" which means that someone must always be found at fault in the accident. After blame is placed, then this person and his or her insurance company are held responsible for paying damages caused by the accident.
Personal Injury Protection or uninsured/underinsured motorist coverage are not required by the state regulations. However, since they will protect your property all drivers should contact their insurance providers and ask about adding them to their policy.
Auto insurance can be difficult to understand. There are many types of coverage available and there are differences in the requirements from state to state. Many Americans also don't know that premiums and rates are calculated based on credit ratings.
Research what insurance coverage options you have available to you and learn how you can save money by better understanding the auto industry. Insurance requirements vary from state to state, so make sure you know what is required in Washington. Surprisingly your driving record may affect your rate less than the type of vehicle you drive.
Surveys show that Washington drivers pay higher premiums than most other states. One of the reasons for this is the harsh cold weather found in this region. The roads become icy and dangerous in freezing weather, raising the frequency of vehicle accidents.
Washington requires that all drivers have what is called 25/50/10 coverage. This term means that drivers have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Drivers must also have $10,000 property damage liability coverage to pay for property and vehicle damages.
Washington uses what is called a "tort system" which means that someone must always be found at fault in the accident. After blame is placed, then this person and his or her insurance company are held responsible for paying damages caused by the accident.
Personal Injury Protection or uninsured/underinsured motorist coverage are not required by the state regulations. However, since they will protect your property all drivers should contact their insurance providers and ask about adding them to their policy.
About the Author:
Steve Turner is a valueable asset when trying to locate the best Seattle auto insurance premiums. Seattle Auto Insurance premiums Steve Turner can offer you numerous tips on how to locate the right Seattle auto insurance coverage for you.
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