Carry car insurance in WA that meets minimum requirements

Complying with state liability coverage requirements not only saves you hundreds of dollars in potential fines, but also ensures the safety and well-being of employees and valued community members.

I recommend: Buy a policy that meets state requirements, in accordance with the Washington Office of the Insurance Commissioner. The Mandatory Auto Insurance law requires drivers to carry at least $25,000 coverage for bodily injury to another, $50,000 coverage for injury to all others, and $10,000 coverage for damage to another's property.

Relax if you have bad credit history

Washington state auto insurance companies cannot use many negative credit factors to determine coverage.

I recommend: Before purchasing auto insurance in Washington, get a copy of your credit report. Under the federal Fair Credit Reporting Act, you are entitled to one free credit report per year. Visit Annual Credit Report.com to receive reports from the three major credit reporting agencies. The Washington Credit Scoring Law prohibits companies from determining Washington auto insurance rates or refusing coverage based on some credit information, like medical bills in collection or available line of credit.

Cover your assets with additional coverage

If you only carry the minimum amount of car liability insurance in Washington, one significant at-fault accident can prove financially devastating for you and your employees. Cover your bases and your rear with additional car insurance in Washington.

I recommend: Personal Injury Protection (PIP) insurance in Washington covers a set amount of lost wages, medical and funeral expenses for the insured individual, members of his household and any other involved pedestrians or passengers.  Uninsured or underinsured motorist (UM/UIM) coverage is another option that makes sense for employers with large fleets. UM/UIM provides coverage for coverage for those in an accident with an at-fault, uninsured driver.

Get multiple quotes before purchasing car insurance in Washington

Receiving a quote for auto insurance in Washington is often as easy as a few clicks of the mouse or a quick phone call to an agent.

I recommend: Some Washington insurance companies offer fee quotes. Simply enter your ZIP code at the Allstate to quickly receive your Washington car insurance rate. With the same information, Progressive Commercial provides a regional list of agents who sell car insurance in WA. Cheap premiums are great, but also consider other factors like the type of vehicle and driver coverage and policy options available before choosing between Washington auto insurance companies.