Auto Insurance Policy Seattle Washington WA

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

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

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

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

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

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

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

Car Insurance Enumclaw Plateau Washington WA

Reader’s Question:

If get involved in an accident and it is not your fault does it go on you driving record and is it counted against you?

Hermes

Enumclaw Plateau, WA

Most US states document on a motorist’s motor vehicle records (MVR) if an accident has occurred involving them, but typically they do not assign whose at fault. In Washington State, collisions involving non-commercial cars stay on a person’s driving record for five years from the date of the collision. Collisions involving commercial cars remain on the record for ten years.

The state of Washington document accidents on your driving record to show involvement, but the Washington Department of Licensing (DOL) does not determine fault for the collisions.

 

Tags: auto insurance, automobile

Automotive Car Insurance Washington WA

Reader’s Question:

I am just wondering if I change the looks of my car, does it increase the price of my car insurance rate in Washington?

Tim

Spokane, WA

Most insurance providers in Washington will not cover cars that have been altered, modified, restored mechanically or structurally which results in a change in appearance or performance including any lowered or raised chassis. If you have simply included or added a ‘body aerodynamics kit’ then your premiums would not increase nor would your car be unable to be insured. Additionally, any special equipment or customization to your car would not be covered unless added by a specific endorsement.

You may speak with your insurance agent or broker to get specifics regarding your question.

 

Tags: auto insurance, auto insurance premium, car insurance rate

Washington Insurance Rate Quote

Reader’s Question:

What law(s) governs insurance rate quotes in Washington? Can an insurance carrier increase a quoted rate after you purchased the auto insurance and you have provided all the information about your driving history?

Pam

Bellingham, WA

Each state has its own statutes or laws that govern insurance carriers. Most states have insurance regulators or department of insurance (DOI) as part of the state government agencies to assist consumers understand their rights, get needed insurance for things such as cars or file a complaint if necessary.

Most insurance regulatory bodies know that the discrepancy in a quote compare to the actual premium insurance rate can be because of information that was revealed by your drivers record or other researched information that required the original insurance rates to be changed. These agencies in Washington do encourage individuals to get an explanation for the increase and urge those that feel the first quote was intentionally low to get a person’s business to file a complaint.

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