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Sunday, April 19, 2009

Inexpensive Seattle Auto Insurance Coverage

By Steve Turner

When you are trying to find affordable Seattle Auto Insurance coverage understanding what the state requires is important. Auto insurance quotes can be obtained online and compared to find the best rate. You also need to know what Washington's minimum requirements are to ensure that you have them on your policy.

Auto insurance can be very hard to understand. The requirements of coverage vary from state to state and there are a number of different types of coverage. Added to this is the fact that insurance providers base their rates on credit reports.

Saving money on your insurance policy can be accomplished a number of ways. Talking with your agent about things such as the type of car you drive and your driving record will help you to understand what factors are considered of importance when calculating your premium.

Premiums in the state of Washington are higher than in some other states due to the damage to the vehicles from the harsh weather. Snow can have the impact of scratching the paint of the car or doing such damage as freezing the engine. Freezing weather also makes the roads more dangerous to drive on and cause more accidents.

There is a specific level and type of coverage that all drivers in the state must adhere to. This is for the safety of the drivers and also to prevent any chaos in trying to understand what coverage needs to be carried.

Coverage called 25/50/10 is required in the state of Washington. This term mandates that drivers carry $25,000 bodily injury per person, $50,000 bodily injury per accident and $10,000 property damage liability coverage.

Washington also uses what is called a tort system which means that someone must be assigned at fault in the accident. This person is then responsible, along with his insurance provider to pay for the damages from the accident. - 21396

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