Car Insurance Quotes Washington

Reader’s Question:

I just bought a car here in Washington State. What’s my grace period for getting car insurance to avoid getting a penalty?

Jenny

Seattle WA

There’s no grace period for a liability coverage according to the Insurance Commissioner of Washington state. Also, the grace period to adding another vehicle to your insurance policy would be different from one company to another. It is important then to check with your insurer the maximum time required to file or add your newly bought vehicle to your existing policy. Most dealers would often require a physical damage coverage before it leaves the dealership.

If you’re replacing an old car to your policy, most insurers would extend that existing policy to your new car. If you’re adding a new car to your policy, you could inquire whether they would extend your existing policy for a certain amount of time or should you add the new vehicle to your policy with the required coverage.

If you’re just about to get an insurance policy on your car, then it is more practical to give your preferred auto insurance company an update on the type of car you’re planning to buy before it actually leaves the dealership. Request your dealership a fax of the car information to work with your insurer the practical coverage to apply.

Automobile Insurance Claim Washington

Reader’s Question:

If a pedestrian gets hit by a vehicle in Shoreline Washington, which car insurance is primary?

George

Shoreline, WA

If the automobile driver was at fault in the accident in Shoreline Washington and had personal injury protection (PIP) normally this would be primary and would extend to the pedestrian they caused injury to. The bodily injury liability coverages of the driver would be secondary.

The Washington State law does not require drivers to have personal injury protection coverage, but an insurance carrier must offer it to policyholders.

If you as a pedestrian is is at fault due to dodging into traffic in front of a vehicle, jaywalking or or some other negligent act, then you would need to check if you own personal injury protection coverages (if you have this as part of your own auto insurance) would cover you and if not then your own health or medical insurance.

If you know someone who was a pedestrian hit by a vehicle and suffered injuries and you need more consumer advice on how to put an insurance claim, then contact the WA Office of Insurance Commissioner directly.

Washington Car Insurance Quotes

Reader’s Question:

How long after purchasing a vehicle do you have to obtain insurance in the State of Washington? What do I need to do to get a free quote?

Carl

Spokane, WA

 

According to the Office of the Insurance Commissioner for Washington state, the State requires individuals that operates a motor vehicle to have liability insurance. There is no grace period for car insurance liability.

The Washington state insurance regulator states that all insurance providers have different time requirements to add a newly acquired car to the policy. You would need to verify with your insurance company to know if there is a grace period for adding that new car to your existing policy.

If you do not already have an car insurance policy on any cars but are purchasing a vehicle then normally you will need to get insurance before leaving the lot with the vehicle. You can provide an insurance provider information on the car in advance so that the policy can be started.

To get a quote, just ask, call, email or submit your zip code to the advertisers to start the quote process.

New Car Insurance Rates in Washington

Reader’s Question:

I live in Washington. I just want to know how long do I have to get an insurance after I purchased a car?

Mikaela

Thank you for asking Mikaela.

According to the Office of the Insurance Commissioner for Washington state, the State requires individuals that drives a motor vehicle to have liability insurance. There is no grace period for liability.

In addition to that, insurance regulator for the state of Washington states that all insurance providers have different time requirements to add a newly acquired car to the insurance policy. You may contact your insurance provider to get information regarding grace period for adding that newly acquired motor vehicle to your existing insurance policy. Most dealers require physical damage coverage on the car before it leaves the dealership.

If you have car insurance already on other vehicles and purchase a new car that needs to be added to your insurance policy you may contact your insurance company to make know if your insurance policy will extend to the new car for a certain amount of time or if you must add the car immediately to the policy to be covered.

If you do not have a car insurance policy yet on any vehicles but is planning to buy a car then you will need to get car insurance before leaving the lot with the car normally.

Goodluck!

MariCAR

Will a Speeding Ticket in Washington Increase My Car Insurance?

Reader’s Question:

I have a speeding ticket in the state of Washington. Will this increase my car insurance premium?

Melanie

Thank you for asking Melanie.

Individual insurance providers in the state of Washington determine their own insurance rates based on their own internal rating system. Their rate requests is submitted to the WA Insurance Commissioner for review. The request will be approved if the state agency is satisfied with the rates.

Insurance companies’ car insurance rates are based on different factors. The premium you pay consists of a base rate. The base rate depends on various factors like your age, marital status, driving pattern, sex, claims history, location, credit history, and the make, model and year of your car. You have to remember when you shop around that these companies uses different factors and rates.

Most insurers apply a surcharge to motorist who got involved in an accident or those who were convicted of multiple moving violations. In addition to that, your rates will likely increase because of your claims history. This means that the increase on your premiums will depend on the rating system of insurance companies.

To get more information on the rating system of your insurance company you may contact your insurance agent or the Washington State Office of the Insurance Commissioner where they submitted their rates. Your agent will be able to tell you if one traffic violation will increase your premiums.

Goodluck!

MariCAR