Washington car insurance companies take many factors into consideration when determining an auto insurance rate such as: driving record, residence, and credit history, which is why the average Washington car insurance rate is $824.46. That’s why it pays to shop for Washington car insurance online at InsuranceTracker.com. In a couple of minutes you’ll be match with licensed Washington automobile insurance agents that help you get the insurance you need. Car insurance is complicated but shopping for car insurance isn’t at InsuranceTracker.com.
How does your credit history affect your car insurance in Washington? Credit history usage by car insurance companies is limited in part to the Washington State Insurance Commissioner. Effective January 1, 2003 car insurance companies were not able to use a person’s credit history to cancel or decide not to renew their policy. Furthermore, automobile insurance companies could deny a person new coverage based on these factors:
Lack of credit history
The number of credit inquiries
Total available line of credit
Collection accounts that are medical bills
Effective June 30, 2003, insurance companies could not use the following factors to determine a person’s rates:
Lack of credit history
Number of credit inquiries
Total available line of credit
Use of a certain type of credit card, debit or charge card
If you’re having trouble finding car insurance in Washington and cannot find an auto insurance company that will write you a policy, Washington’s assigned-risk plan is available. To qualify for this plan you must:
Be a Washington resident or a member of the US military
Have a valid driver’s license
Be free of any debt from any prior auto insurance company
You can talk to your Washington auto insurance agent or broker for additional information or have them contact the Automobile Insurance Plan for you. Go to InsuranceTracker.com to find an agent that’s right for you.
When you’re purchasing car insurance in Washington, take into consideration that insurance companies can rate all licensed drivers in the household, whether or not they are related to you and they generally base their premiums on all of the residents in a household. For more information, visit the Washington Office of the Insurance Commissioner.
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Are you paying too much for insurance?
Are you trying to find affordable insurance? To find out you should comparison-shop for Washington automobile insurance. Have you tried InsuranceFinder.com to find a price for Washington car insurance? If not what are you waiting for? InsuranceFinder.com is the easiest way to get an Washington car insurance quote online. You just complete one quick form to receive multiple automobile insurance quotes from reputable insurance companies. |
Washington Automobile Insurance Requirements:
In Washington, the only required coverage for car insurance is liability. Washington’s requirements to meet its minimum liability coverage for car insurance is 25/50/10; $25,000 for injury to another person, $50,000 for injuries to all others, and $10,000 for physical damage for property.
The Washington Automobile Insurance Plan:
Auto insurance companies in Washington offer many optional coverage that you can choose to add to your new or existing Washington automobile insurance policy; they include:
Personal injury protection – pays for medical and hospitals costs, loss of income, funeral services up to the coverage limits
Medical payments – coverage for medical and funeral expenses, you will have to shop around for this, not all insurance companies offer this in Washington
Uninsured/underinsured motorist bodily injury
Uninsured/underinsured motorist property damage
Collision coverage
Comprehensive
Emergency Road Service
Car Rental Expense
Death, dismemberment, and loss of sight
Gap coverage – if our vehicle is considered a total loss, this will pay the difference between the market value of the vehicle and the loan payoff amount
Custom equipment coverage – coverage is provided for direct and accidental loss to custom work in your car (furnishings or equipment) |
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