If you are a new resident of Washington, D.C., it is a good idea to get car insurance. In Washington, if you are uninsured or underinsured you are liable for damages to another person or property. One option is to purchase insurance on your own, but if you do not have the means, you might consider a Washington insurance broker to help.
To find an agent to help you in Washington, ask people you know about a good one. Use the yellow pages, the Internet, and visit your local newspaper to find an agent. If you decide to go through an agent, take along a picture of your vehicle and your driver's license. This information will be helpful when they do a background check on you.
There are many things to consider when choosing car insurance. Some of these things include how far away you live from the nearest home insurance company, whether you use your vehicle for personal purposes or business, and what kind of insurance you want. The state of Washington allows residents to choose from several insurance plans, such as liability, commercial, and comprehensive.
There are four main types of insurance; the first is liability insurance which is the most popular and which is required by law. The second is the no-fault insurance plan, which covers medical costs that occur as a result of an accident.
Collision insurance pays to repair damage to your vehicle in the event of an accident. Third is the full-collision plan, which covers only damage to your vehicle, while the fourth is the third party coverage plan, which protects you against other people's damages if you are not at fault.
It is best to research your options when looking for car insurance in Washington. Remember that your car insurance rates will be higher in some areas than others. Research the rates at your local agencies, so you can compare them.
What do you need to get car insurance in Washington? The Washington Insurance Law states that you need at least:
These requirements are commonly referred to as the three Cs: Claim, Coverage, and Collision. The cost of collision insurance will vary based on your insurance carrier, but there are steps you can take to get the best rate possible. Ask about discounts available to you and make sure you are in good standing with your current carrier.
The best way to compare rates is to request multiple quotations. A third party, such as an insurance agent, will give you quotes for each plan and the state in which you live. Comparing quotes online is also a great way to save money.
If you choose to use an agent for your car insurance, make sure they are a member of the Association of Independent Insurance Agents (AIA). This organization is sponsored by agents and represents their interests, so you can be sure that the agent is helping you find the best deal. Not all agents are members, but any organization that represents agents has to be a good bet.
No matter what type of car insurance you choose, the fact remains that you need it. With the cost of repairs in Washington rising every year, having this coverage is important.
So, ask your agent! You might be surprised at what they have to say.