Education is the secret to finding the cheapest car insurance in Seattle. The more you know about Seattle and how local insurers rate the city on their “risk” scale, then the more likely you can secure better rates. Consider the average work commute time in Seattle, which is 24.8 minutes. If your commute time is shorter or if you work from home or are a stay-home parent, your car insurance may be significantly less than someone with a long daily commute.
If you live in an area where car crashes are frequent, this can also affect your auto insurance premium. Seattle, for instance, reported 20 deadly automobile crashes in 2007, involving 26 automobiles and 47 people. This number seems low for such a large city, but another factor is how many car thefts there are in your area. Seattle had a whopping 5,782 automobile thefts in 2007! And the top stolen vehicles in Washington state included the 1992 Honda Accord, the 1994 Acura Integra, the 1993 Saturn SL, the 1995 Honda Civic and the 1989 Toyota Camry. So it’s wise to choose a car that is less likely to be stolen if you want cheaper auto insurance.
Other statistics to consider are nationwide studies on how well certain vehicles can sustain an impact. Providers will consider the potential damages and personal injury risk for your automobile. If you’re getting ready to buy a new vehicle, research how the car/truck fares in crash tests so you can view the automobile through the eyes of your insurer.
Washington State Car Insurance
Washington state’s car insurance premiums are generally above the national average, so it’s wise to compare quotes from multiple Seattle providers. The minimum car insurance you’ll have to purchase (according to WA law) is $25,000 (per individual) and $50,000 (per accident) for Bodily Injury Liability, and $10,000 for Property Damage insurance. Keep in mind that Seattle motorists fall under the state’s Tort requirements, meaning if you are found at fault in an accident, then you must be responsible for any repairs or injuries that result.
Other types of car insurance to consider for more complete coverage include uninsured/underinsured motorist, collision, comprehensive, towing and rental car insurance. These are not required by law, but can provide peace of mind if you own an expensive vehicle or if you still owe a balance on a car loan.
Seattle auto insurance providers will consider your driving history, whether or not you’ve had driver safety training, your financial credit score, age, marital status, the number of drivers and automobiles in your home, etc. to determine your rate quote. Thankfully, you don’t have to call or visit each company to obtain quotes. You can now visit an online quote comparison site to compare auto insurance rates at no charge. This can save hours of research and give you a bird’s eye view of what local Seattle providers can offer. Be sure to check rates with a higher deductible… this can sometimes lower the premium drastically.
Give online quote comparisons a chance, and discover the secret of cheap car insurance in Seattle!