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.

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.

Washington SR22 Auto Insurance Rates

Reader question:

What are Washington SR22 rates like these days?

Amber

Thanks for asking, Amber.

WA SR22 rates are pretty median compared to the rest of the states, coming in with the 19th highest rates, followed closely by Florida and Pennsylvania. The average rates for car insurance in Washington are around $803 a year, but of course, SR22 rates will tend to e twice–or in some very bad cases, even three times–that amount.

This isn’t to say that the best SR22 rates are going to be $1600. It’s likely that if you get such a price, then you aren’t looking hard enough. Sure, that may be the average price, but it’s also the average price which is quoted to the average person who does not shop for theit auto insurance online–unlike you.

Such average people pay a lot of money for their laziness–an estimated $400 on average for their premiums. They pay so much for their premiums simply because of the fact that they aren’t shopping around for their auto insurance quotes. When you pull up your SR22 rates online from several different companies, you can see the wide variances and make a better choice than the average Joe.

Cheers,

Fashun Guadarrama.

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.