Wednesday, April 15, 2009

Tips for Seattle Auto Insurance

By Steve Turner

All drivers are searching for ways to save money on their Seattle Auto Insurance coverage. Some tips that can enable you to do this are listed below.

The state of Washington regulates the minimal amount of coverage that drivers must have to legally drive in the state. Types of coverage needed might include limits for property damage, bodily injury, uninsured motorists, or Personal Injury Protection. The amount of coverage that you have will be relative to the amount of premium that you are charged.

Understanding the state's requirements is important so that you do not receive a ticket for inadequate coverage. However, depending on what these limits are you may decide that you will want to increase them or have additional types of coverage for peace of mind.

Insurance providers will each have their own rates. They set these rates based on things such as the driver's sex, age and vehicle type. These variants are what create the great range of premium rates.

Comparison shopping is the best way to find the cheapest rate for your situation. It is suggested that you obtain quotes from at least three different providers. Make sure that you give each provider the same information on coverage and deductibles so your comparisons are accurate.

To decrease your premium, consider raising your collision or comprehensive deductibles. A deductible is the amount that you will pay out of pocket before the insurance policy kicks in.

Discounts are another way to save money on your auto insurance policy. Talk with your insurance agent to determine if you are getting all the discounts that you are eligible for.

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