Car Insurance for Teenagers Washington WA
Filed under: Cheap Washington State insurance, Teen Washington State insurance
Reader’s Question:
I’m thinking of buying my teenage son a car here in Washington, but I’m worried about the high premiums of car insurance for teenagers. Why is that? And how can I save some money on his insurance policy?
Harrison
Tacoma, WA
Most parents in the U.S. worry about their children starting to be independent, like driving on their own. But sadly, as testosterone levels go up, responsibility and carefulness plummet down. And because of this fact, you as parents have the responsibility of looking out for your kids and one way of doing that is by making sure that they are secured and protected through a car insurance policy.
You can add your teenage son to your own car insurance policy or you can get him his own car insurance, but one thing is for sure, car insurance for teenagers is almost always more expensive. One clear reason behind this fact is the lack of driving experience of your son. Some companies in Washington require drivers to have at least three or four years of driving experience to be offered lower car insurance quotes.
There are companies who will consider your son’s age as a factor in assessing his car insurance rates. Higher premium rates are often offered to young drivers who are below the age of twenty-five. This is due to the high-risk rating of males in this age group, as well as the high number of car accidents involving teens ranging from sixteen to twenty-four.
If you really want to save up on your son’s car insurance policy, talk to him about safety and carefulness when driving on his own. Teach him to be focused and responsible to avoid any car accident that may result in injury or damage to property. Help your son understand that a single speeding ticket or traffic violation can make your car insurance premium rates to go way up. Remember that having a clean driving history means lower premium rates.
Accompany your son in buying his first car to make sure that he gets the safest car possible. Try to persuade him not to choose the faster and cooler sports car, but instead explain to him the benefits of driving a simpler car with a lot of safety features in it. Don’t trade airbags and seat belts for speed and style. A sports car may be hipper, but accidents involving these type of cars are also higher, which translates to very expensive car insurance rates for you. However, a simple sedan with side airbags and an anti-theft alarm does not only mean safety and security, it can also mean lower premiums for your pocket!
Tags: auto insurance policy, car insurance quotes, teen, teen insurance
Driving Without Car Insurance Washington WA
Reader’s Question:
How much is the penalty if I’m caught driving an uninsured car in Washington?
Ben
Bellingham, WA
The state of Washington requires the drivers and owners of the vehicle for a car insurance or other means of financial responsibility for the vehicle. The Revised Code of Washington (46.30.020) states that a failure to show proof of financial responsibility is considered a traffic infraction.. This traffic infraction is subject to penalties assigned by the supreme court
In addition, the citation for operating an uninsured vehicle is a traffic violation, which is subject to a fine of at least $250. Aside from this fine, there are additional fees and assessments that will give you a total amount of around $450.
Part of the penalty is a public safety and education assessment. Furthermore, this offense will appear on your Washington driving record like any other traffic offense.
Tags: auto insurance, car insurance, driving without insurance
Classic Vehicle Insurance Seattle Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
It’s my first time to buy a classic car through an auction bidding here in Seattle, Washington. Do they have insurance for classic cars as I don’t intend to drive it frequently, only during special occasion?
Mark
Seattle, WA
Good question, Mark of Seattle, Washington, and good of you to point out that you don’t intend to drive the classic car frequently. Classic cars are in a different category as normal vehicle insurance quotes, depending on the year, make and model of a car. Now, if you apply standard car insurance to a classic car, more or less, your policy will come out cheap. Don’t smile yet because when you are in an accident, coverage will also be very limited as your coverage is for an over-depreciated car. I’ll be straight up with you, Classic car insurance will definitely be costly as this type of vehicle insurance will assure coverage for the full value of the car in case of a loss. The value of the car will depend on your agreement between insuree and the insurer’s party.
Other things to consider though are special clauses. One of the usual requirements is that you should have a dedicated facility to lock and secure the car when not in use. You may also be allowed to use the car more or less for everyday errands like going to work or dropping the kids. Some insurer may stipulate that their policy will not include to racing-related activities. Be sure to call first your insurer should you have plans to restore your car as there also might be special clauses regarding restorations.
Tags: auto insurance, car insurance cost, car insurance quotes
Auto Insurance Policy Seattle Washington WA
Filed under: Cheap Washington State insurance, Non owner insurance Washington State, SR22 Washington State, Teen Washington State insurance
Reader’s Question:
Here in Seattle, WA, I noticed that most car insurance companies only write six month policies. Why is that? Is that regular practice? Is this the same in other states, as well?
Kurt
Seattle, WA
A six month insurance policy is a regular practice among car insurance companies. Car insurance companies change their rates according to their appraisal of your risk factor. Insurance is about the company having your back when something happens to you, your car, the other car or the driver of the other car. Now, before they gave you a car insurance quote when you first applied for coverage there in Seattle, WA, they checked out your risk factor. They presented a quotation after checking several things out. A six month insurance policy allows insurance companies to recheck or revisit the status of your risk factor and make changes accordingly. They would check if your lifestyle has changed: has it mellowed down or have you taken up drag racing as a hobby. Knowing this, your premium may increase or decrease depending on the outcome of their appraisal. So basically, this can be beneficial for the policy holder, too.
Although, this gives the insurance company a chance to raise premium, this is also an opportunity for the policy holder to lower it. Long term policies are not welcomed by insurance companies as this can effectively immobilize them when the risk factor of a policy holder has increased in the middle of the policy term. If the lifestyle of a policy holder has not or does not change dramatically, then there is no cause for alarm over this six month insurance policy.
Tags: auto insurance, auto insurance premium, Car Insurance Company
Auto Insurance Company Bellevue Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
Hi! I am in the process of getting auto insurance in Bellevue Washington WA but can’t decide which ones to get. I heard of Personal Injury Protection. Why is my auto insurance agent offering me that? I thought he was talking about health insurance.
Meg
Bellevue WA
Hi, Meg! Perhaps the agent you have spoken to in Bellevue Washington WA didn’t make it very clear that there is indeed a medical payment coverage or personal injury protection coverage in auto insurance. This is not required by your state and you may or may not get it. If you feel that you will be capable of paying these expenses when it happens in the future, then there is no need for you to get this coverage. Before you decide, however, perhaps you should take a look at how much this might cost by entering your zip code on the space provided here. You might also want to hear first what I have to say about it.
In times of collision, your collision coverage or the other driver’s liability coverage (depending on the circumstances surrounding the collision) will be enough to repair the damages sustained by your car. If the other car was the liable party, then his liability coverage will also pay for your medical expenses you may incur. But this is rather ceilinged or limited to a certain amount. You now go to your health insurance but it will be stated as a medical condition brought about by a vehicular accident, and therefore might not be covered by your health insurance. This is the time when personal injury protection becomes useful because it will pay for your medical expenses related to the collision. To know more about this, you should go back to your insurer in Bellevue Washington WA and discuss the topic in length. Do not hesitate to ask any question, or ask him to repeat anything that he has already said. Remember that it is imperative that you know exactly what you are getting into.
Tags: auto insurance, car insurance agent, Car Insurance Company
Tenn Driver Auto Insurance Graham-Thrift Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State, Teen Washington State insurance
Reader’s Question:
I recently got my learner’s permit in Graham-Thrift Washington WA but my mom never lets me out without a chaperone and it is usually my older brother who is such a dork! What should I do to get rid of him?
Jesse
Graham-Thrift, WA
Well, am not sure that is such a good idea, Jesse. You see, you probably need him more than he needs you. I assume he is already a licensed driver and this is probably why he is tasked to chaperone you all the time. Drivers with learner’s permit are required to be accompanied by an authorized driver all the time. This is imposed in the other states and certainly it is imposed in Graham-Thrift Washington WA. Next, because you are not yet an authorized driver of the vehicle, (and your brother is) if anything happens to your car while you are behind the wheel, you will not be able to claim anything from the insurance company. I am sure that you wouldn’t want to pay for the damages, right? Rather than concentrate on how to escape your brother, you should focus on honing your skills and knowledge on driving and make sure that you know the relevant traffic rules in Graham-Thrift Washington WA. Once you are a fully licensed driver, given your improved skills, your mom will definitely include you as an authorized driver of the vehicle. It may not be that soon because it has some costs that go with the change. Do your part by researching how much it would cost your mom to add you as additional driver. help her by getting free quotes online which you can do by entering your zip code below.
Tags: auto insurance, Car Insurance Company, teen insurance, Young driver car insurance
Car Insurance Graham-Thrift Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
Is it possible to obtain auto insurance in Graham-Thrift with an expired license?
Jim
Graham-Thrift, WA
It may be possible to get car insurance in Graham-Thrift with an expired driver’s license but insurance carriers will generally require a valid driver’s license in order for you to get car insurance.
If your drivers license is newly expired though and can be renewed shortly, within thirty to forty five days, then an insurance carrier may permit you to start an insurance policy. If you can obtain an insurance company to start an insurance policy in this manner then you will need to get you license within the given time period or the insurance policy will be canceled.
Also someone else (typically only spouse) may be able to obtain car insurance on your car and exclude you from the car insurance policy.
Tags: auto insurance
Auto Insurance Payments Federal Way Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
I have a question regarding car insurance premium payments. Is it better to make the payment monthly or pay it in full? I live in Federal Way WA.
Bell
Federal Way, WA
If it is better to make the payment for an insurance policy through monthly payments or pay it in full is a personal decision best ruled by your own financial abilities and means. If you can afford to pay the auto insurance policy in Federal Way upfront and all at once then do so. If instead for your budget it is better to pay it off in installments then you may choose the monthly payment method.
With some insurance companies, you can add an additional 10% in savings when you pay your ca insurance premium in full.
With some car insurance carrier monthly payments come with a fee for each monthly installment. Usually this fee usually covers the cost of processing your payment on a monthly basis.
Tags: auto insurance, car insurance cost
Car Insurance Renton Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
I got a speeding ticket in AZ, but I’m from Renton Washington state. I was just wondering if this speeding ticket will go on my driving record in WA and if my insurance carrier will know.
Graham
Renton, WA
The WA DOL site states that, they keep a driving record of speeding violation, convictions for car violations and notices for failure to respond or appear to traffic violation on every motorist in the state. This information that goes on your driving history is acquired by licensing agencies or by the clerk of the courts so it would appear that the out of state information reported to the DOL would also be put on your Washington driving record. Verify with the DOL to be sure though.
If the Arizona speeding ticket is put on your Washington driving record then your insurance carrier could see it the next time they pull up your motor vehicle record (MVR). To check if or by how much this speeding violation could affect your car insurance premium rates in Renton WA you would have to verify with your insurance carrier regarding their rating system.
Tags: auto insurance
Car Insurance Rate Yakima Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
I live in Yakima Washington State and received a traffic ticket in Hawaii. This is my first traffic ticket and I am wondering if this will raise my car insurance rates.
Bert
Yakima, WA
Hawaii and Washington State are both members of the Drivers License Compact so that means Department of Transportation or Hawaii’s court system will inform the WA Department of Licensing (DOL) of your out of state traffic citation.
If the Hawaii traffic ticket is put on your Washington driving record then your insurance provider can see it the next time they pull your Motor Vehicle Record. According to the WA Office of Insurance Commissioner insurance rating systems vary depending upon an insurance provider’s own guidelines but typically rate on factors including your driving history. To check if your out of state traffic ticket would affect your car insurance rates, check with a broker of your insurance provider about their rating system.
Tags: car insurance rate