Washington Auto Insurance Company

Reader’s Question:

Hi there. I would like to know if my Washington auto insurance company will notify me if they will not be renewing my policy before it policy will expires? I hope they do so I would have more time to find other company.

Michelle

East Seattle, WA

 

Generally yes, most Washington auto insurance company will notify you in advance whether they will not going to renew your policy.

In Washington State auto insurance companies are required to provide a twenty (20) day written notice with regards to non-renewal of a personal auto car insurance policy and a ten (10) written notice for cancellation due to non-payment of premium.

If you would like to know more information regarding this I suggest that you contact states insurance regulator. They will be able to give you more understanding what the insurance laws in your state regarding cancellation or non renewal notice or Washington auto insurance companies. They will also be able to inform you how much time are given to policyholders once the insurance company decides not to renew them.

Cheap Auto Insurance Washington

Reader’s Question:

I want to buy car insurance here in Washington. How can I get the cheapest auto insurance policy?

Nate

Vancouver, WA

There are a lot of car insurance companies there in Washington that compete in offering clients the cheapest possible auto insurance policy. And I’m sure that you will not have a hard time getting one. You just need to look around for different car insurance quotes and try to compare them with one another. Ask a friend or a relative for some advice regarding cheap but reliable car insurance policies. And there are also a number of ways that you can save up on your own car insurance.

As we all know, having car insurance is compulsory in every state in the United States. However, car insurance rates may vary depending on the state you live in. Your car insurance rates will be determined using several factors, including the insurance laws of the state of Washington. Even your state’s accident statistics will also be looked upon to see whether your state has a high number of accidents or not. If your state has a high frequency of car-related accidents, then your car insurance rates may also be a little bit higher. Geography is also considered, whether you live in a rural or an urban area.

Another way to get cheap car insurance policies is by maintaining a clean driving record. Make sure that you don’t violate any traffic rules and refrain from pushing ‘pedal to the metal’ to avoid accidents, injuries and damages to properties. Having a nice, clean driving history could mean lower insurance rates for you.

You can also choose a higher deductible if you want to have a lower insurance premium. But try and think about this first because although your premiums may be lower, you will be shouldering the amount of the deductible in the event of an accident. Make sure that you will be able to pay the amount of the deductible to avoid delays in your insurance claims. The deductible comes out of your own pocket if accidents do happen.

And if you really want the cheapest car insurance policy, consider buying a slower, heavier or bigger car with tons of safety features in it because car insurance companies give out discounts for cars like those. Forget about super-fast sports cars or cool convertibles, these cars are considered high-risk cars by most car insurance companies due to the number of theft and accidents related to these type of cars, which in turn make your insurance premiums go through the roof! So, if you’re not the filthy rich type of person, I suggest that you buy a car with airbags, anti-lock breaks and anti-theft alarm, so you can enjoy discounts on your car insurance policy.

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.

Washington State SR22

Reader question:

Can you tell me the sort of coverage which will come with my Washington state SR22 auto insurance policy, if I buy just the minimum amount?

Jacob

Glad you asked, Jacob.

Washington state SR22 insurance can be bought with a fairly small amount of coverage, at least compared to a few other states. Since Washington is an at fault car insurance state, all you need to purchase to meet the minimum requirements of the auto insurance laws is liability coverage. Liability coverage includes property and injury liability. The property liability is the coverage for those damages made by the person who is found at fault for the accident (if said person is you), while the injury liability is for the injuries of the driver/passengers of the vehicle found not to be at fault, but not for the drivers or passengers of the at fault vehicle.

In Washington state SR22 policies, you must have the following amounts of each one of these:

• A $50,000 injury liability limit per crash, with $25,000 alotted to each person.
• $10,000 in property damage liability.

Cheers,

Fashun Guadarrama.