Anyone who drives a car is aware by now of the importance of car insurance. Most states, including Washington, require every driver to carry a minimum amount of insurance and car finance companies often have more extensive insurance requirements of their own, so it can become quite a significant expense. With that in mind, smart drivers have learned to shop around and make sure that they are getting the best possible rates on car insurance.
When looking for car insurance in Longview, WA, you need to keep in mind what the state minimums are. In Washington, you are required to have liability insurance. The minimum amount you need to have is $25,000 for death or injuries for each person up to a total of $50,000 in liability as a maximum per accident. Drivers in Washington are also required to carry $10,000 in liability insurance for property damage. Beyond this, if you finance a new or used car, the finance company will often require you to carry comprehensive and collision insurance to make sure that their investment is protected. You might also consider carrying uninsured or underinsured motorist coverage in case you are the victim of an accident in which the at fault driver doesn’t have enough insurance.
The costs of insurance can be quite high, particularly when you decide or are required to get a variety of different coverage. To find affordable car insurance in Longview or elsewhere in Washington, your best bet is to visit our website. There, you can compare live quotes on car insurance online to make sure that you are getting the best possible rate on the exact coverage that you need.
Protecting a vehicle in Kelso, WA requires an insurance policy that is appropriate for your concerns, budget and goals. Since every individual and family has a different goal and requirement, the auto insurance that is best can vary.
Meeting State Standards
Auto insurance is mandatory in Washington and the amount of coverage that is required relates to liability concerns. The state requires that every driver have coverage for property damage and injuries that may occur as a result of an accident.
Since the minimum standards focus on liability risks, it may not always be enough to address personal concerns regarding coverage. A variety of options are available for additional concerns that may not be provided in the basic liability policy.
Collision and Comprehensive
Generally, collision coverage is added to a policy separately. You may or may not need collision coverage, depending on your goals, concerns and the vehicle that you are driving.
Comprehensive coverage does not always include collision protection; instead, it usually protects against damages to a personal vehicle in a covered situation. The situations that are covered may include floods, damage from a storm or fires. It can also protect against criminal activities, such as theft or vandalism.
When personal concerns relate to liability risks, it is also possible to add to the basic coverage. State standards are a minimum requirement, but you can purchase additional liability coverage to protect against high-cost bills and concerns related to accidents that you may cause.
There are several different options available to cover your vehicle and avoid potential concerns that may arise. Recognizing the options that are available can make it easier to select a plan that is appropriate. To learn more about your policy options, contact us to talk to an agent today.