Scroll down for West Coast Auto Insurance info and average annual rates in the state of Washington.
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This page features valuable info on reducing auto insurance premiums for vehicle owners in the state of Washington. Still, these tips can generally apply to drivers in any U.S. state.
This info will help you customize the auto insurance coverage package that best suits your individual needs.
The Average Annual Car Insurance Premium for a vehicle owned in Washington State this year was $1,309, just a bit below the overall national average of $1,365.
West Coast Auto Insurance actuaries calculate premiums from a base rate that analyzes variables like climate, crime rates, population density, percentage of uninsured vehicles in the state, and other locational factors.
The calculation is then further adjusted based on individual characteristics such as the driver's age, gender, marital status, lifestyle, and type of car owned, among other things.
Washington State car owners who are ticketed for driving uninsured vehicles are faced with
fines of up to $500, and are sentenced to community service.
Driving with a suspended license results in even stiffer penalties of up to a thousand dollars.
Repeat violations may result in jail time and a permanently revoked license.
Washington State requires a 25/50/10 minimum liability coverage per vehicle.
That means policy holders in Washington State must have no less than $25,000 in Personal Injury Protection (PIP), $50,000 coverage against death or injuries to others, and $10,000 in coverage against property damage.
So the maximum payout on the minimum car insurance coverage in the state of Washington is $85,000 per accident. This may or may not be enough to cover the actual cost of an accident.
That's why insurance experts recommend $100,000 in PIP and $300,000 in coverage against injury to others, plus at least $50,000 insurance to cover the cost of property damage.
Here are just a few of many ways in which Washington State car owners reduce their annual premiums on car insurance:
Ask every agent you speak with about discounts!
The state of Washington supports many thousand licensed west coast auto insurance agents. Nationally recognized car insurance companies who write policies in the state of Washington include
Among the state's most popular regional carriers of west coast auto insurance are
Whichever companies you choose to investigate, obtain a few free online quotes. Then call a few agents for more free quotes, and to ask about their discount programs.
Check national averages by visiting the link shown below.
When you're done, simply compare quotes and choose the lowest priced premium package that fits your individual needs.
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