whats the cheapest monthly car insurance out there in washington?

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Asked April 3, 2018

1 Answer

A variety of factors influence the amount you will ultimately pay for any type of auto insurance coverage, including your age, physical geographic location, planned vehicle usage and driving history. Additionally, the make, model and age of your vehicle factor into plan options and rates. You need to perform your own research where you live via quote requests to agents licensed in Washington to find up-to-date rates and coverage options and then compare plans to find the cheapest one available.

Of course, you must have at least the minimum coverage required by the state. Washington requires that all drivers maintain mandatory liability insurance. You can bypass this traditional insurance policy requirement by paying an upfront deposit of tens of thousands of dollars via a Certificate of Deposit or Liability Bond option. To find out more details, visit the Washington State Department of Licensing Mandatory Insurance page.

As you're shopping for auto insurance, you should consider investing in additional available coverage like collision and comprehensive plans. You should also consider adding uninsured/underinsured coverage that protects you against other drivers who hit your vehicle and don't have the insurance level necessary to cover expenses related to the accident. "No-fault" or personal injury protection is another option. PIP pays out on valid claims no matter who caused the accident. It even offers coverage for expenses related to lost income, medical expenses not covered by your health insurance and a funeral.

Lastly, you should pursue discounts to save money: Most insurers offer discounts to active and retired military and teachers, safe drivers who can show that they haven't had any accidents over a certain number of years and drivers willing to take and pass a certified driving course. You can also reduce insurance payments via a "bundle" discount if you agree to pick up through one insurer other types of insurance, such as health and homeowner's or renter's insurance.

Answered April 5, 2018 by azadam

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