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.
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.
Discounts on Seattle SR22 Auto Insurance?
Q: My good student discount took a good chunk off of my Seattle SR22 premium for a while there, but I just finished school and now my prices are up high. Is there something else I can do to save the same amount of money?
A: What you did in school while you were getting that good student discount can have a big effect on what kind of discount you can get on your Seattle SR22 policy now that you’re out. Depending on what you majored in, you may be able to come across some good savings.
Some companies are beginning to offer very specific discounts, most recently aimed towards those who have degrees in science and mathemaics fields. Reasoning behind this comes from studies which say that people in such fields make fewer careless mistakes and file fewer claims because they have a higher attention to detail than your average driver.
If you aren’t a microbiology major or a budding cancer researcher, don’t fret, since your school work might still get you a deal. If you’re a teacher, then many companies have a discount which, while it may be relatively small, is offered if you join a union and covers the expenses of joining a union.
Non Owner Spokane SR22 Auto Insurance
Q: Can I save money on a non owner Spokane SR22?
A: Saving money on a non owner Spokane SR22 car insurance policy is going to be harder than saving it on another policy simply because, without a car to take into account, car insurance companies are going to assume that the vehicles you’re driving are riskier than average. I wouldn’t be financially viable for them to assume otherwise.
If you do intend on saving money on your Spokane SR2 for non owner drivers, here are many discounts which do not have to do with cars which you may be able to get. For one, you can get discounts which involving taking driving classes, or you can get student discounts for any school going people on your policy, senior discounts for the older drivers. If you are a teacher, you can join a union for a discount, or get a discount from a car group you join.
If you end up buying a car for yourself, you will have more discounts available, but you will have to let go of your Spokane SR22 for non owner drivers and get a regular car insurance policy.
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.
Washington SR22 Auto Insurance
Q: What is Washington SR22 and what do I have to have for it?
A: A Washington SR22 is required in many situations. For those who go driving uninsured and end up crashing with another car, their license can be revoked when they are unable to produce proof of insurance. More often, a license is suspended for a drunk driving conviction, and this is the most common violation associated with SR22s and one of the main reasons they cost so much.
If you must file a Washington SR22, then you must find a company which will give you a policy first before you get your license unsuspended. Whatever company you find will send a form to your driver’s department every month, so long as you pay your bill, for three years. If they don’t send it along, then your driver’s license will be suspended.
You are required to get the same amount of insurance on a Washington SR22 policy as any other driver in the state, which means you must have $25,000 for bodily injury per person, a total of $50,000 bodily injury per accident, and also $10,000 for property damage. It may be safer for your credit to get higher limits.
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