First Time Driver Insurance Washington WA

Reader’s Question:

I just bought my teenage daughter her first car. How can I get cheap auto insurance for her here in Washington since she is just a first time driver?

Elle

Bellevue, WA

Elle, the first thing that I have to tell you is that auto insurance for first-time drivers are higher than the standard auto insurance policies. The reason behind this is that it is typically considered by auto insurance companies that first-time drivers are high-risk drivers. It has been proven through statistics that teenage drivers get into more vehicular accidents than the number of all vehicular accidents involving other age brackets combined.

Now, in order for you to reduce the amount that you are going to be paying for auto insurance, you must consider taking some deliberate steps that are sure to lower your expenses.

First, if you already have an existing auto insurance policy, it would cost a lot less if you just include her in your auto insurance policy rather than purchasing a separate one for her. Multidriver policies with an auto insurance company always generate more discounts and lower prices.

Next, you may also want to think of having your teenage daughter enrolled in basic driving course there in Washington. Contact the school of your daughter and ask them if they offer basic driving courses. If not, you should seek out a private institution where you could enroll your daughter. Having your daughter take basic driving course is like some form of assurance to the auto insurance companies that your daughter is going to be a responsible driver, making her a less risky driver when on the road. The same logic applies if your daughter has good grades in school.

Tags: auto insurance, auto insurance premium, 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

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

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

Teen Vehicle Insurance Everett, Washington WA

Reader’s Question:

We live in Everett, Washington and my son is 16 years old with a driver’s license. I currently have him on my car insurance but car insurance rates have been increasing, even though my son has no tickets or accident. Because of my limited income, I am no longer able to pay my son’s auto insurance so I told him that he will not be able to drive until my income goes up. I told my insurance carrier that I have to take my son off of my car insurance policy for at least 6 months. They told me that they cannot do that unless I show them proof that my son has turned in his license. Is this true?

Rick

Everett, WA

To be able to drive in Everett or any part of WA a driver needs to be insured in Washington State. This is the reason why when taking the driving test for a driver’s license proof of insurance is required. Most insurance carriers will require that all licensed motorists in your household be added and placed on your auto insurance policy since they are likely to drive your cars.

The reason an insurance company is so concerned about your teenage son either staying on the car insurance policy, turning in his license or even providing proof that your son now has his own insurance policy is because they may still be responsible for damages if the motorist is living in the household and is driving the vehicle without having an insurance policy on him to drive it.

For information on what the Washington State insurance laws with regards to this situation verify with the WA Office of the Insurance Commissioner. If you find out that it is only this particular insurance carrier’s guidelines that require you to keep car insurance on your teenage son and would like to find an insurer that may permit you to exclude him from your auto insurance policy, you may be able to get a quote in this website that you can see above this page.

 

Tags: auto insurance, quote, 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

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