Auto Insurance In Washington

Reader’s Question:

I have auto insurance in Washington. I was just wondering if my car insurance will be effective in the state of California.

Jane

Seattle WA

 

It depends on your situation.

If you live in Washington and your vehicle is registered in WA and you want to just visit California, then typically your WA car insurance would conform to CA car insurance requirements.

If you go to school in CA but are still keeping your WA residence then your car insurance in Seattle WA may continue to cover you in CA. You will need to contact your car insurance company to be certain that you will be covered while you are in California.

If you plan to move to California, then you will need to register and insure your car in CA. If your car insurance company in WA also does business in California then you can just request to change it over to a new policy in California.

If you want to be sure that your car insurance in Washington state would also be effective in the state of California, I suggest that you speak with your car insurance agent.

Drunk Driving DUI Insurance in Washington

Reader’s Question:

What are the implications of DUI to my car insurance here in , Washington? I suppose it can’t be a good thing.

Bill

Spokane, WA

Since when has drunk driving been a good thing? I suppose you already know about the license suspension, lawyer fees and fines. I’m assuming here that you did get convicted of drunk driving. Well, in case you haven’t spent enough yet, on top of everything, you have to worry about higher premium prices for your vehicle insurance–that is if you are lucky. Some insurance companies will actually cancel your policy. And bet the top of your legs that you’re going to have a hard time looking for new automotive insurance. So, let’s say that your company decides to keep you, you lucky son of whatever, as one of their policy holders. You then will be branded as high risk. Your car insurance company is required to submit an SR-22 to your DMV there. It is a document that gives proof that you have the minimum required coverage, and more importantly, it reestablishes your driving privileges.

If you’re thinking that this is easy enough to handle, that it was all worth it since you had so much fun drinking, let me tell you now that not all insurance companies offer SR-22s. Check out your insurance laws there in Spokane, WA to find out. And one last thing, stop being an idiot. Don’t drink and drive.

Automobile Insurance Coverage Washington

Reader’s Question:

I just have one simple question. I’m from East Seattle Washington WA, why should I bother with auto insurance?

Jeremy

East Seattle WA

Good question, Jeremy, and actually one that we all have to be educated in. There are three general reasons why you should bother with auto insurance. First, it is required by the Department of Motor Vehicles when you register your car. You will be required a minimum liability coverage while other auto insurance coverage are optional. Of course, you can always upgrade your auto insurance when you are more financially capable. To get an idea of how much liability insurance and other auto insurance costs in East Seattle Washington WA, you can try making use of the space provided on this page. Just enter your zip code, answer a couple of questions and you will get several quotes in minutes.

If you have purchased your car from an auto loan, you will also be required to have auto insurance. the last reason, which can be the most important, is that auto insurance protects you from having to spend tremendous amount of money in cases of auto or vehicular accidents causing bodily harm or damages to the car. And depending on the kind of auto insurance you will get in East Seattle Washington WA, you will even be protected from hail, fire, theft, vandalism and any incidents which you have totally no control over.

 

Tags: auto insurance, Car Insurance Company

SR22 Auto Insurance Quotes in Washington

Reader question:

I have a policy with SR22 in Washington, and I want to know, is the post-accident procedure any different for SR22 holders? Is there some kind of extra information we need to give?

Marcus

Thanks for asking, Marcus.

No other driver (civilian driver, anyhow) has a right to know about your possession of an SR22 in Washington, and your owning of such should not in any way be involved when you get into a car accident. You just exchange the usual information, such as names, policy numbers, phone numbers, car insurance company names, and so on, so that whoever needs to file a claim with the other’s company can do so, and so that whoever is at fault can get prepared.

In addition to that, whether you have an SR22 in Washington or not, you should also take a couple of other steps after an accident to make sure of the best (or least negative) experience with your claims process. Keep a disposable camera stored in your glove compartment, and when you get in an accident make sure to take pictures of the damage on both cars. This is so that the other driver can’t claim more damage than was actually caused, thus getting you in trouble and in fraud.

You should also look at the witnesses who were around the accident and try to gather their names and phone numbers. In case the fault of the accident is contested, you will be able to refer to them for proof.

Cheers,

fashun Guadarrama.

Seattle Non Owner SR22 Auto Insurance

Q: I have a Seattle non owner SR22 policy. Why is it so expensive? How can I save money?

A: Your Seattle non owner SR22 policy is costing you because it’s missing a pretty big puzzle piece which car insurance companies require in order to put together the best picture of what your rates should be–a car. Even if you drive the same car all the time with your non owner policy, it can’t be factored into your insurance policy, so your company has to rate your policy as if you were driving a riskier car because they can’t know what car it is you’re using.

You can save money on your Seattle non owner SR22 premium by getting discounts. Many of the available discounts require cars, but there are those which don’t. You could try getting all of your insurance policies on a multi line with one company, for example, or you could take a few classes in defensive driving. You could take in your transcript if you’re a student, a degree if you’re in engineer, or you could join a car club or a teacher’s union in order to get a discount. Get a list of discounts from your car insurance company and circle the ones which would apply to you, and then ask the company to apply them.

Adding Teenage Driver To Tacoma Washington Auto Insurance Policy?

Q: Does adding ta teenager to an auto insurance policy make my prices go up, or should I have her get her own policy?

A: Adding a teen to your policy will definitely make your prices go up, but you can only have her get her own policy if she is old enough. Usually, the youngest age someone can get an insurance policy for themselves is when they are eighteen. Up until then, they either have to be uninsured or be on an older person’s policy. You will have to put your teen on your policy if they live with you, because if your car insurance company finds out you have a high risk individual in your house they might cancel you for not informing them. Even if your kid doesn’t drive your car, they won’t believe you.

Rather than worrying, contact your car insurance company and see what discounts they have available for teenage drivers. At least three should be available, among them a student discount, which will allow you to have some taken off of your premium if your teen makes a B average or above in school, and a driver’s education iscoun, which will award your teenager for taking a general driver’s education course.

Vancouver Washington SR22 Auto Insurance Quotes

Q: Since I’m required to have a Vancouver SR22 car insurance policy, aren’t companies supposed to sell one to me? Because I can’t find one.

A: No car insurance company is required to sell you insurance when you pose so much risk, as all holders of SR22 policies do. While car insurance companies aren’t able to discriminate based on unrelated reasons, such as the color of your skin or your religion, they are able o discriminate based on how much risk you pose, or, in other terms, how many claims people in your demographic are likely to file.

If you have trouble finding someone to get your policy from, you should try higher priced companies which sell to people with expensive cars and other high risk types. It’s easier to get a policy from one of these, although not certain, and it’s also cheaper than the other alternative.

If you can’t find a way in that way, then instead you can get a policy by joining up with your state assigned-risk pool, where the Department of Insurance will randomly hand you over to a car insurance company, which will have to insure you (at a very high price) even if they already denied you when you went there on your own.