Looking for cheap auto insurance in Spokane WA?
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The law in Washington state requires that anyone driving a motor vehicle in the state must have an insurance liability policy, or a certificate of deposit, or a liability bond to the required limits. However, if you have 26 vehicles or more, you can self-insure.
Under this law, you must have a liability policy with minimum limits of at least 25/50/10, which means:
* $25,000 for injury to one person
* $50,000 for injuries to all persons involved
* $10,000 for damage to another person's property
PIP - Personal Injury Protection insurance coverage for medical and other expenses, like wage loss and funeral expenses, that result from an automobile accident, no matter whose fault it is. The law in Washington does not require you to have PIP coverage, but your insurance company is required to offer it to you.
If you choose not to add the coverage, then you must reject it in writing. If you do not reject it in writing, then your insurance company must add the coverage to your policy and charge you for it. PIP does add cost to your premium. If you have health insurance, you may want to consider whether or not you need this extra coverage.
GAP insurance will cover the gap between the amount you owe on your automobile loan and the current market value of your vehicle.
If your insurance company decides that your automobile or RV is a total loss, the collision coverage on your policy will only pay you the current market value of the vehicle. It Will NOT cover any amount you may still owe on your loan that is above the current market value.
Remember: GAP coverage will not cover interest that the lender charges you; and it also does not cover any late fees or missed payments.
If you want to add GAP coverage to your policy, you may need to ask for it. Not all insurance companies offer you the coverage. But they are required to add it to your policy if you ask for it and you are buying a new vehicle.
(a) Car Rental Expense — If you have a covered claim under your policy, this coverage will pay for you to rent a car. Your policy will list any limitations.
(b) Emergency Road Service — This coverage will pay for towing if your car breaks down.
(c) Collision — This benefit will pay to repair damage to your vehicle as the result of an collision. This coverage will probably be required if you are getting a loan from a financial institution for your vehicle.
(d) Comprehensive — This coverage will pay for theft or damage to your vehicle from hazards such as fire, flood, vandalism or hitting an animal. Most lenders require you to buy this type of coverage to get an automobile loan.
Insurance companies separate all drivers into classifications when determining rates for their auto insurance policies.
Several different factors are used to classify drivers. Some of those factors are:
(b) driving record,
(d) marital status,
(e) former insurance record,
(f) where your auto is housed, and
(g) number of miles driven yearly
History has proven to the insurance companies that drivers with certain characteristics are more likely to be involved in an accident. So those drivers are charged higher insurance rates.
Even though there is no way for you to control your age or gender, you can certainly be responsible for your driving record and for the type of vehicle you choose to drive.
* * Don't buy a car that thieves often steal.
* * Remove any/all risky drivers from the policy.
* * Increase the deductibles.
* * Pay quarterly, semi-annually, or annually.
* * Add safety features like an alarm system.
We want you to get all the knowledge you can about auto insurance.
An informed consumer is a wise consumer.
Enter your zip code in the box above so you can get the quotes you'll need to make a wise decision.
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