One disadvantage of living in Seattle, Washington has to do with car insurance. In this state the average car insurance rates are actually not just determined by an individual driver’s past behavior on the road, but by all drivers’ behavior. Typically insurance companies in Seattle, Washington set rates by tallying up all the insurance costs for the past year and then they divvy them up by the number of drivers on the roads. Naturally someone with a stellar driving record will still pay less than the person who seems to be an endless source of accidents, but the two factors do play into one another to determine rates.
Although there’s nothing anyone can do about the way other’s drive, there are some steps they can take to help improve their chances of getting cheap car insurance in Seattle, Washington. Some of these helpful hints include:
o Driving an older vehicle until you’ve established yourself as a good driver. Many insurance companies penalize young drivers, particularly young men. This fact added to the value of a new vehicle can equal very large insurance costs. For this reason it’s often preferable for young people to drive older vehicles until they’ve proven their ability behind the wheel.
o Not purchasing comprehensive coverage. Many motorists, particularly those not driving very many miles a year, and those driving older cars and trucks don’t need the coverage that a comprehensive policy offers. They should carefully weigh the benefit of the policy versus the cost of the premiums.
o Taking a driving course as you mature. Many older individuals face higher insurance costs because they are perceived as being high risk drivers. When someone in this age range takes a mature driving course they can often experience a drop in their car insurance rates.
Even if you receive a few high quotes when you begin your search for cheap car insurance in Seattle, Washington, don’t be discouraged. Prices can fluctuate from company to company and you are sure to find a rate you can afford that includes all the coverage you need.
By: Deborah Mills
Posts Tagged ‘Motorists’
Cheap Car Insurance in Seattle, Washington
April 16th, 2010What Are The Auto Liability Insurance State Minimums For My State?
March 12th, 2010
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.
Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.
I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.
As an example my home state of Missouri shows the following – Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20
Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
By: Tim Gorman
Auto Insurance in Kentucky
January 30th, 2010Auto insurance in Kentucky is the contract which protects your material condition in case of accident. The policy of auto insurance consists of six basic types of scope which the responsibility for a physical injury, the responsibility for damage of the property, a medical payment or protection of a physical injury, protection against collision, all-round protection, insured for the low sum include scope of motorists. Purchase of auto insurance in Kentucky is the basic requirement of law. Before giving to you auto insurance the insurance agent estimates a degree of risk of the driver. Than above your group of risk that above the sum of your auto insurance. The group of risk is defined according to conditions such as:
Drivers concern to high group of risk with a lot of offences. The marital status too influences your group of risk. Married people are more cautious when conduct the car. They concern to low group of risk and very low sums pay for auto insurance. Your auto insurance is influenced with a place of residing. As is known in greater cities there are accidents than in villages is more often. The age and a floor influences definition of group of risk. Men get in high group of risk than the woman is more often. Teenagers too are very dangerous drivers.
If your car has high year run that you too will carry to high group of risk and you will pay the greater premium. Thus cost of auto insurance is influenced with type of your car. There are some types of discounts for auto insurance. The discount is given if you have more than one car, are the good student, have devices of safety in the car, the good driver, pass small distance every year, have anticreeping devices, pass courses of improvement of qualification. It is necessary for you to have good auto insurance to avoid litigations or high accounts for repair.
By: Eden Ali
