Cheap Washington Auto Insurance Quotes
Washington car insurance annual premium rates are about one-hundred dollars more than the U.S. national average. This makes finding WA auto insurance somewhat difficult. WA is a Tort state and does not require PIP (Personal Injury Protection). The only required automobile insurance coverage here is Liability.
The difference between a Tort state (such as Washington) 
and a no-fault state (such as Kansas) is who’s responsible for paying for the injuries sustained in a motor vehicle accident. In a Tort state, the person found to be at-fault for the accident is responsible (along with their insurer) to pay for the medical expenses of the victim(s). In a no-fault state, the policyholder’s insurer pays for their medical expenses regardless of fault. In a Tort state, you retain the ability to sue for injuries, whereas in a no-fault state that right is reduced.
Liability auto insurance is designed to protect others from damages that you cause – both, bodily injury and property damage. Liability does not cover your own injuries or property damage to your vehicle resulting from an accident (you would need to buy other coverage types for this). In the State of Washington, the minimum levels of liability coverage required are: $25,000 for injury to another person; $50,000 for all injuries for one accident; $10,000 for property damage. This is all that is legally required in this state.
If you have a financed vehicle and the lender still has a lien on the title, then most likely they require that the car is covered with Collision and Comprehensive coverage. These are not legally required; however, you agreed to maintain this coverage when you signed your loan or lease agreement. Even if your car is not encumbered with financing/leasing, you may still want to purchase this coverage if your car is a later model vehicle, which would require a lot of money to repair or replace on your own. For more tips, visit the Office of the Insurance Commissioner and see what can help you.
Another common cheap auto insurance coverage which is purchased, is uninsured/underinsured motorist. This coverage is extremely valuable. It will protect you from damage to your automobile and injury to you, if you are involved with a driver that does not have insurance and is at fault for the accident. Most commonly, this coverage comes into effect when there is a hit-and-run driver involved. Underinsured protects you if an at-fault driver does not have enough coverage to pay for the losses they have caused you. To be covered fully, you would need to buy uninsured/underinsured motorist coverage for both, bodily injury and property damage.
There are many people that only buy liability coverage for their vehicle, because it is not worth the cost to insure it for collision and comprehensive coverage, but they buy more liability to protect themselves further. The state limits are relatively low in respect to paying for injury and property damage after a major accident. If the claim is greater than the protection purchased (e.g., state minimums), then the at-fault driver is liable for the rest. So, if you are just going for cheap auto insurance quotes, do think about increasing these limits if possible, or do so when you are able to.
