I’m 20 years old now but I still live with my parents here in Washington and use their car. As a courtesy to them, I wanna be able to pay my share on their auto insurance premiums. Problem is, how can I make my auto insurance payment lower?

Lazaro

Federal Way, WA

Good thing is that you are under your parents’ auto insurance policy in Washington as you can save money doing this. Most young drivers who live with their parents and drive their cars usually just choose to be under their policy so as to have lower auto insurance. Aside from that, you can also lower your auto insurance payment if you have high safety rating on the vehicle that you drive. You can check your state’s insurance department about the safety rating of each vehicle. Normally, high profile and sports cars have higher auto insurance rates than sedans.

You can actually save as much as 50% on your auto insurance if you shop around for your coverage. Auto insurance companies offer lower rates to their consumers merely because of competition. They want your business so what they do is just offer you better rates than their competitors. But you can only obtain better offers if you shop hard enough around the auto insurance market. Doing this can end up in cheaper auto insurance for the exact same coverage and driver profile.

It is highly suggested that you get auto insurance quotes from highly regarded comparison Websites. Obtain and compare auto insurance quotes from at least five Websites. Among these quotes that you will be given, you would come across an insurer that favours young drivers and give you lower rates on your auto insurance.

I need to get myself a life insurance policy here in Washington but it has to be something that is cheap. But what do I have to do to get cheap life insurance policy that could give me what I need?

Abel

Bellevue, WA

There are a lot of life insurance companies that offer all kinds of plans and it becomes confusing sometimes as to which is the best one that would fit you. In your search for a life insurance provider that would offer you cheap life insurance policy, consider these things so that it could be a little easier for you to find the best one:

1. Find out in advance what your needs are and choose the life insurance policy for you based on that. Different individuals have different way of life since some are more active than other people, and some are higher risk than others.

2. Make a decision as to which life insurance company you are getting a cheap life insurance policy from. You can ask the people you know in Washington and you can make your own research. If possible, ask for the judgment of other people who have gone to the same life insurance company. Make a research on the company’s reputation as well and check forum discussions online about the company.

3. You don’t have to agree with what the life insurance company has presented to you. You should ask as many questions as possible on the things that you need to clarify. Ask for explanation on every uncertainty that you have in your mind about the life insurance plan.

If I don’t want to undergo a medical exam for a life insurance application here in Washington, does that mean I can’t get covered?

Anna

Tacoma, WA

If you think that you can’t get life insurance because you don’t want to take a medical exam, then you may be surprised that there is a totally simple plan available for those who want to have affordable life insurance without taking a medical examination.

Certainly, this is good news for a lot of consumers who think that they are left out of the rigorous terms and conditions of better life insurance plans, normally requiring thorough health examinations and medical reports to be eligible for sufficient life insurance coverage. However, because of the revisions done by various A-rated life insurance companies today, there is life insurance no exam available for those who don’t want to undergo medical examinations as a requirement to be eligible for a life insurance policy. Therefore, life insurance no exam would only ask you to answer certain health questions and this process can be done online. In a span of a few minutes, you can finish this method, thus saving yourself some effort and time normally eaten up by doing these things through a live person in a life insurance agency in Washington.

If you just visit a Website of an online life insurance company, you don’t have to undertake a medical test as required before; however, this is just a privilege available to consumers opting to have short-term life insurance policy. A benefit from this kind of life insurance policy is that it is easy, reasonably priced and quick to purchase.

I know that Washington auto insurance rates vary. What I’m curious about what affect insurance rates here?

Michael

Olympia, WA

There are many factors that set a person’s Washington auto insurance rates. According to the Washington State of the Insurance Commissioner website, here are these factors:

• Age. According to statistics, drivers who are under the age of 25 are involved in more accidents than those who are 25 – 65 years old.
• Sex. Believe it or not but according to studies, male drivers who are under 25 years of age are involved in more accidents and they do pay more in their auto insurance rates.
• Marital status. According to statistics, single drivers have more accidents as compared to married couples.
• Vehicle. In most cases, the more expensive your vehicle is, the higher your auto insurance rates will be.
• Location. The crime rate where you live affects your insurance rates. So living in an area where crime rates are low would be good since you can get lower insurance rates for that.
• Driving Miles. The higher your annual driving miles, the higher your insurance rates may be.
• Credit History. Your credit score also partly determines your insurance rates. If you have good credit score then you may just get better auto insurance rates.
• Driving record. The better your driving records, the lower your insurance rates may be.

Those are the known factors that affect your Washington auto insurance rates. Remember, each auto insurance company follows various guidelines in determining a person’s insurance rates. But knowing and understanding those factors could help you get lower insurance rates.

My boyfriend will be working here soon. He has a car that needs to be insured so Im doing some research about auto insurance in Washington. I hope someone can help me with this. Thanks a lot!

Sandy

Olympia, WA

Help is here Sandy so you dont have to worry that much.

The state of Washington requires minimum auto insurance liability coverage with the following limits:

$25,000 for bodily injury per person
$50,000 for bodily injuries to all persons
$10,000 for property damage

• Its a good thing that as early as now you are doing your homework about auto insurance in Washington. Here are some useful shopping tips that I learned about auto insurance here. Before you purchase your auto insurance in Washington consider these few things first:

  Do some research to find out what auto insurance types and limits you need.

• Make sure that you are getting auto insurance from auto insurance provider that is authorized to sell auto insurance here in Washington.
• Have the information about the vehicle you will be insuring ready – including make, model, and year.
• Be honest when answering question about your driving records – including your accident history.
• Shop for auto insurance quotes. Do not be contented in getting just one auto insurance quote. The more auto insurance quotes you got the better. From those quotes you can possibly get the best auto insurance deal.

Where can I find van insurance brokers in Washington that can provide me with cheap rates?

Chris

Tacoma WA

Van insurance brokers in Washington can be found using the business directory in your area. Their names, addresses and contact numbers will be there. Once you found their names and contact numbers, give each one a call and ask for quotes for your insurance needs. Van insurance brokers in Washington can also be found through the Internet. Since it is the most efficient way of making their businesses available to as many people as possible, van insurance brokers in Washington will likely have their own websites. In the websites are information you need to know about the broker, as well as, information about the insurance companies they are affiliated with. What’s good with brokers is that they can give you a lot of cheap van insurance quotes from the different companies they are representing. Some brokers even ask prospective clients to provide them what other companies are offering, and in return, the broker will find a lower rate. Remember to ask the broker not just for cheap quotes but also the reputation of the companies in terms of service and claims processing.

To be sure, do some research yourself once you have found a company providing a cheap quote. After determining the service and price, that’s the time to make a purchase.

My daughter who is in college is applying for her own vehicle insurance in Washington. So far she’s been having a tough time getting lower car insurance quotes. How can she change that?

Monique

East Seattle, WA

It is normal for young drivers to have difficulties in getting cheap car insurance. Normally, cheap car insurance young driver in Washington is given only to a handful of young drivers. But this should not discourage your daughter. There are some simple ways by which she can enhance her chance of availing cheap car insurance.

Car insurance companies have reservations on the capability of young drivers to drive safely on the road. Young drivers have no proven track record in driving. Thus, car insurers usually rate them as high risk drivers. But your daughter can counteract that. She can enroll in a defensive driving course so that she can have a greater chance of getting cheap car insurance young driver in Washington. By enrolling in a defensive driving school, she can prove to any car insurer that she has gained the necessary skills to drive safely and responsibly.

Car insurance companies also rate young drivers as high risk because they do not know whether these youngsters can pay their premiums on time. Your daughter must have a good credit rating then so she can have a better shot at cheap car insurance young driver. If she has a good credit rating, car insurers will give her a low risk rating which means more affordable car insurance premiums.

My daughter who’s in college is applying for car insurance. But we’ve noticed that car insurance quotes are quite high and it appears she has to pay a lot for her car insurance premiums here in Washington. Is this really normal?

John

Spokane, WA

Yes, car insurance for college students is quite high compared to regular car insurance policies. Your daughter will be hard pressed to get cheap car insurance college student Washington since car insurance companies rate young drivers like her as high risk. There are reasons why insurance companies do this.

First, younger drivers have a higher incidence of car accidents and mishaps. Due to their lack of experience on the road, they tend to fall for mistakes that cause them to bump into another vehicle or wreck a property. Thus car insurance companies prefer to give out high car insurance college student Washington rates to younger drivers.

Another reason why it is hard to get cheap car insurance college student Washington is because young drivers like your daughter lack a lengthy driving record to speak of. Your daughter cannot prove her competence as a driver without a long driving history, which makes her prone to high insurance premiums from insurance firms.

I need to get SR22 insurance. I don’t have any idea where to start. Maybe you can help me by telling me about SR22 insurance price in Washington. By the way, I don’t own a vehicle if that would make any difference. Thanks!

Jane

East Seattle, WA

Well, depending on the company’s guidelines, SR22 insurance price in Washington do differ greatly. But since you’ve mentioned that you do not own a vehicle in Washington, I guess what you need is non-owner SR22 insurance in Washington.

I’ve done some research before about non-owner SR22 insurance price in Washington before since my boyfriend needed one also. From what I’ve read, the price for non-owner SR22 insurance in more populated cities like in Tacoma and Seattle is around $300-$600. That’s the yearly rate so that will be for a 12-month policy.

I don’t know what your traffic offense is but for my boyfriend’s case was is caught driving without car insurance. And because of that, he needs to maintain his non-owner SR22 insurance for a period of three years. That would be three years from the conviction date. From what I know, in most cases, SR22 insurance is required for such period of time.

Now, the next thing that you need to do is to get non-owner SR22 insurance. You can check different websites to see if you can get free online quotes for SR22 insurance. If I’m not mistaken, not all car insurance companies offers SR22 insurance policy. So you just have to be a little more patient when you’re looking for one. Good luck!

My friend does not have a vehicle but how on earth is he required to get SR22 insurance in Washington? This is very confusing! From what I know, you are only required to get SR22 insurance if you have your own vehicle.

Garth

East Seattle, WA

Well clearly you are wrong Garth. SR22 insurance in Washington is NOT required only for drivers who have their own vehicles, it can also be required to drivers who do not own vehicles, that’s why there’s this thing that you call non-owner SR22 insurance.

There are two ways that SR22 insurance requirement in the state of Washington can be met and that would be either with a vehicle or without a vehicle.

From what I know, non-owner SR22 insurance in Washington will reinstate a license that is suspended or revoked if the driver does not own a vehicle has been involved in an accident or has committed some serious traffic offense. So for that driver to be able to drive legally again, he needs to get non owner SR22 insurance.

An SR22 insurance is simply an insurance form or certificate that proves that your friend has an existing car insurance policy that meets the required minimum limits in the state of Washington. This includes:

• $25,000 for bodily injury for every person for every accident
• $50,000 for two or more persons involved in every accident
• $10,000 for property damage for every accident

You failed to mention though your friend’s traffic violation. But usually a person is required to get non owner SR22 insurance for violations like DUI conviction, driving without auto insurance, and reckless driving. If I’m not mistaken, non owner SR22 insurance needs to be maintained for a period of three years.