Wednesday, April 8, 2009

Locating Cheap Seattle Auto Insurance Coverage

By Steve Turner

Receiving inexpensive Seattle Auto Insurance is possible by following some easy steps. You should know what the state of Washington requires for you to drive on the roads. Understanding all the different components that goes into the calculation of your rate is beneficial as well.

Many people have a hard time understanding car insurance. There are a number of different types of coverage and each state has different requirements that need to be met. In addition to this insurance companies now use the driver's credit report in their calculation of premiums.

Saving money on your insurance policy can be accomplished a number of ways. Talking with your agent about things such as the type of car you drive and your driving record will help you to understand what factors are considered of importance when calculating your premium.

The state of Washington has higher insurance premium rates partially due to the harsh weather in the area. Snow can cause damage to the paint surfaces of the car as well as things as severe as freezing the engine. Poor weather conditions also cause the roads to become icy and more hazardous to drive on.

There is a specific level and type of coverage that all drivers in the state must adhere to. This is for the safety of the drivers and also to prevent any chaos in trying to understand what coverage needs to be carried.

The requirements of coverage in Washington is called 25/50/10. This term means that drivers have $25,000 bodily injury per person, $50,000 bodily injury per accident and $10,000 property damage liability coverage in the event of an accident.

Washington is one of the states that use a tort system which requires assignment of blame to one of the drivers in the accident. The one that is responsible along with their insurance provider will have to pay the damages.

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