Auto insurance is one of those things we hate to spend a lot of money on, but we must have to protect our assets and loved ones. You don't have to pay an arm and a leg for your Washington car insurance policy. You can find coverage that will work in your budget by following some basic tips will help you keep your cost low, while still making sure that you will be covered when you need it.
Tip #1 Find Out What Washington Requires
Washington State is part of a tort system. This means that according to the Washington Department of Insurance, someone must be found at fault at the scene of an accident. This will be determined by police officers on the sight who look over the evidence and interview witnesses. Since someone must be at fault, this person must also pay for anything related to the damages such as damage to vehicles, property, physical injuries, and lawyer costs.
Being part of a tort system means that, by law, you must maintain minimal Washington car insurance coverage so that you can take care of your financial responsibility if you are involved, and are at fault, in an accident. Washington law requires that drivers carry Bodily Injury Liability in the amount of $50,000 per accident and $25,000 per person. Property Damage Liability in the amount of $10,000 must be carried. Meeting these minimum requirements will ensure that you can drive legally in the state.
Tip #2 Meeting State Requirements Might Not Be Enough
Sometimes meeting car insurance requirements is not enough to give you the coverage you need. You may want to have collision insurance. Collision insurance repairs the damage to your vehicle if you are in an accident. Usually, there is a deductible with it. You have to pay your deductible before your insurance will kick in.
Another type of optional insurance is comprehensive insurance. If you have a loan out on your vehicle, your lien holder may require you to have this type of coverage. It covers everything that collision insurance does, but also covers damage to your vehicle such as acts of God. It also covers dents or damage that may happen by vandalism. Of course, adding these types of coverage will increase your monthly premium but will be worth it if you are in an accident.
When shopping for Washington car insurance, just remember to make sure you get enough coverage to meet state requirements as well as additional coverage if needed. By keeping these two tips in mind you can find the affordable auto insurance that you need.