So you just graduated and are ready to go out on your own. You've figured out your
rent and have your own car but now you need insurance. Where to begin?
Here's what you need to know…
First, you must have liability insurance. It's required by the state of Washington. If you're in an at fault accident, you could be held legal repsponsible for injuries and property damage done to other people so that is why you must have liability insurance. The Washington State minimums for liability is $25,000 per person, $50,000 per accident and $10,000 property damage liability.
If you want your car to be covered, then you'll need comprehensive and collision. This is
sometimes called "full coverage". It costs a little bit more but protects your vehicle, subject to your deductible. You'll be required to have this if you are paying off a car loan.
Car Insurance policies are typically for six months. You can pay in full or
make monthly installment payments. You can take advantage of discounts by setting up automatic payments.
You always want to make sure your insurance is paid on time. If not, you run the risk of
not being covered if you have an accident and receiving a no-insurance ticket (which
can get very expensive!)
If you are afraid you won't be able to pay on time, call us and let us review your policy
and discuss your options.
How can you lower your insurance cost? Having a good credit score, not getting into an
accident, and having regular insurance reviews will keep your cost manageable. Let
our agency work with you to create an affordable plan that will protect you while also
giving you the most bang for your buck.
Give us a call at 360-452-9200 to get started today!
Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State.