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
Car Insurance Enumclaw Plateau Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
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
Auto Insurance Cancellation Notice Washington
Reader’s Question:
How much notice does insurance providers required to send you if they decide not to renew your car insurance policy in the state of Washington?
Ray
Bellevue, WA
The office of the Insurance Commissioner for Washington State states that insurance carriers are required to provide a twenty day written notification regarding the non-renewal of a personal car policy and a ten written notification for cancellation or termination due to non-payment of premium.
If need more information about the insurance laws of the state of Washington you can call the office of the Insurance Commissioner since this is the insurance regulatory body for Washington state.
Washington Insurance Rate Quote
Filed under: Cheap Washington State insurance, SR22 Washington State
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.
Auto Insurance Rate Washington WA
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
Im planning to move from Washington State to CA. I am just wondering if auto insurance rate in Washington State is higher than California?
Markus
Spokane, WA
Yes, generally Washington State’s car insurance rates are higher than the State of California. In 2004 – 2005 the NAIC states that the average expenditure of car insurance in Washington was $541 while in California the average cost was only $487.
Always remember that car insurance is more expensive in urban areas due to the higher density of traffic, increased likelihood of vandalism, theft and greater incidence of fraud. So Los Angeles, CA comes up with an average cost of $3027 and ranks within the top five most expensive cities to insure a car.
Auto Insurance SR22 Washington
Reader’s Question:
Can you please tell me what the RCW is with respect to the SR-22 requirement. Is it is it 3 years from the date you get your license back or 3 years from the date of license suspension ? Does having SR-22 insurance while having an occupational license count toward the three year requirement?
Albert
Seattle, WA
The usual time that a driver is required to maintain an SR-22 is three years in the state of Washington. The reason that you are required to acquire the SR-22 may change the length of time you are required to maintain it though.
You can be mandated by Washington state to get a SR22 for different reasons from a driver’s license suspension reinstatement because of DUI, a second or subsequent offense of leaving a child unattended in a running vehicle, accident without insurance, etc.
In Washington, normally when you are eligible to reinstate your driver license, you must file future proof of financial responsibility, also known as an SR-22, for three years from the date you are eligible to reinstate your driver license for that incident.
Your may contact the Washington State Department of Licensing to get more information on how long you will need to carry the SR-22 and if you get a ORL if this times counts towards the total amount of time you must maintain this proof of financial responsibility.
While your driver license is revoked or suspended, you may be eligible to receive an Occupational/Restricted Driver License (ORL). An ORL is good for the length of your revocation or suspension period.
Car Insurance Washington
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
How long after purchasing a vehicle do you have to obtain car insurance in the State of Washington?
Denver
Spokane, Washington (WA
According to the Office of the Insurance Commissioner for Washington state, the State requires individuals that operates a motor vehicle to have liability insurance. There is no grace period for the liability insurance.
In addition to that, the insurance regulator for the state of Washington noted that all insurance providers have different time requirements to add a newly acquired car to the policy. You would need to verify with your insurance company to find out if there is a grace period for adding that new car to your existing insurance policy. Most dealers require physical damage coverage on the car before it leaves the dealership.
If you do not already have an car insurance policy on any car but are purchasing a vehicle then you will need to get insurance before leaving the lot with the vehicle normally. You can provide an insurance carrier information on the car ahead of time so that the policy can be started. The dealership may need to contact or fax the insurance agent with information as well. If for some reason you do not end up purchasing the vehicle then you would inform the insurance provider so that the policy would not go into effect.
Washington auto insurance
Reader’s Question:
What is the fine/penalty for driving without insurance in Washington?
Dave
Thank you for asking Dave.
Anyone driving a motor vehicle must have an insurance liability policy in Washington state, a certificate of deposit, liability bond or be self-insured. Purchasing liability insurance on your car is the most common way of showing financial responsibility.
If you are caught driving a motor vehicle without having proof of meeting the requirements of the mandatory insurance law you are committing a major traffic offense. This violation of the law is punishable by a minimum of $250 fine. There are other fees and assessments associated in this that can be added to this fine so it typically costs about $450.
A public safety and education assessment may be part of the penalty also. A ticket for driving without insurance is like any other traffic violation and will become part of your Washington driving record.
Goodluck!
MariCAR
Washington car insurance quote
Filed under: Cheap Washington State insurance, SR22 Washington State
Reader’s Question:
I received a ticket in MD. Will the points be added on my Washington license?
Red
Thank you for asking Red.
Yes.
Your home area in Washington, DC and the state of Maryland are both members of the Drivers License Compact (DLC). If you are convicted of the MD ticket then their courts will forward this information to the District of Columbia Department of Motor Vehicles.
The District of Columbia DMV states that motorist receive points for certain traffic traffic violations, whether the infractions happened in the District of Columbia or in other states. The DC DMV will assess points if you are found liable at a hearing, fail to pay a ticket within the required time, are convicted in court of a moving violation, or you pay the ticket. The points that you will receive depends on the type of violation you received in Maryland.
Since the Maryland traffic violation will be put on your DC driver’s license your insurance company will see it the next time they pull up your motor vehicle record (MVR) and so this could affect your car insurance rates. Whether this out of state traffic ticket will affect your insurance rates will depend upon your insurance company’s rating system. To get more information about your specific insurance carrier’s rating system check with your car insurance agent.
Goodluck!
MariCAR