Washington Auto Insurance Money Saving Tips, Minimums, Statistics

As in many other parts of the country, if you live in the state of Washington, auto insurance is required. Car insurance companies are competitive business entities. This means that not all rates will be the same from company to company. However, you have to have it, unless you can provide a liability bond or certificate of deposit proving financial responsibility. So, if you own a car, it pays to be prepared when it comes to car insurance buying.

There are numerous things that are taken into consideration by Washington auto insurance companies when it comes to creating a car insurance rate quote. Many of those things are completely out of your control, such as the fact that Washington has the one of the 10 highest auto theft rates in the country. However, there are a variety of things you can take into consideration to help you find affordable insurance.

Washington is one of the states that takes not only your driving record, gender, marital status, where you live and what you drive into consideration, it also considers things like your claims history and even credit history. So even if you have a great driving record, but have made bad financial moves and have a poor credit score, you can be punished with high Washington auto insurance rates. Before you start looking around for insurance consult your credit report via Equifax, Transunion or Experian to make sure there are no inaccuracies on it. There are procedures to follow to remove such problems and possibly improve your credit score in order to lower your premium.

Some of the other things you can do to help save money on car insurance in Washington include the following:

  • Carry higher than average deductibles on your comprehensive and collision coverage.
  • Limit the number of miles you put on your car yearly.
  • Piggyback your auto policy onto your homeowner's policy.
  • Make your driving record look better by enrolling in a defensive driving course that can even eliminate minor citations.
  • Shop around and compare the prices that are out there in order to find cheap car insurance that meets your needs.

Before you take out the policy that looks the best to you, be sure to do some homework on the company you are thinking of dealing with. Check the Washington Department of Insurance to be sure they are licensed to write policies in the state. Also, check the financial stability of the firm by contacting Standard & Poor's, A.M. Best or Moody's for their insurance rating which is based on the insurer's ability to meet present and future financial obligations. A few of the many companies that offer policies in Washington state include Allstate, Nationwide, Progressive, Infinity, Safeco and Farmers.

Use the above tips on how to save money on your Washington auto insurance coverage when you go looking to buy a policy. Learn as much as you can about this type of financial security before you get stuck with an over-priced bad policy.

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The costs for Washington auto insurance policies are increasing in part due to the fact that the state has one of the 10 highest rates of auto theft in the country.

Take your time to compare several different providers of Washington auto insurance before committing to achieve significant savings.

Check additional valuable information of your State Insurance department organization.
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