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Seattle, Washington Car Insurance

Do you live and work in Seattle, Washington?  If so, Cheapcarinsuranceco.com was designed to assist you in finding the best possible car insurance coverage.  Our quote form gives you an inside view to numerous Seattle providers so you can compare quotes and coverage without leaving your home.

Seattle Facts

Driving in Seattle can be risky due to its crowded streets, with buses, cabs, pedestrians, cyclists, etc.  Seattle is also a busy tourist area, so you must be on alert for out-of-town drivers while on the roads.  Even if you drive the roads of Seattle every day, it's important to have adequate car insurance coverage.  You never know what other drivers will do....no matter how safe a driver you try to be! 

Seattle providers use a number of factors to determine auto insurance rates.  They use general statistics about Seattle and the state of Washington as well as personal information about you and your family to calculate your premium.  For example, Seattle reported more than 5,700 auto thefts during the year 2007, and the top stolen vehicles in the state of WA include the 1992 Honda Accord, 1995 Honda Civic and the 1989 Toyota Camry.  So if you live in a neighborhood where there's a high crime rate or if you own one of the top stolen automobiles, you might get higher rate quotes.

Providers will also consider the time length of your daily commute, which averages to 24.8 minutes for Seattle residents.  The more miles you drive on a monthly and yearly basis, then the more chances for an accident.  Insurers realize this, so they may use this as a determining factor for your rates.

When comparing car insurance rates, be sure to compare with the average cost of insurance for the state of Washington.  In 2010, the average auto insurance premium was $1,628 in the state of Washington.  Seattle rates should be in line with this amount or lower if you can get certain discounts.

Liability Limits

You should also become familiar with the minimum liability requirements for Seattle.  Washington state requires all motorists to obtain Bodily Injury Liability in the amount of $25,000 per individual and $50,000 per accident.  Property Damage Liability in the amount of $10,000 is required as well.  This ensures that you are covered if in an accident that is deemed to be your fault.  You'll have to be responsible for the other person's car damages or medical bills if there are injuries.

At Cheapcarinsuranceco.com, we can help you narrow your choices among top Seattle auto insurance providers such as State Farm, GMAC, Farmers, Safeco, Allstate, MetLife Auto & Home, and many others.  Like many things in life, car insurance is a must.  But thankfully, you don't have to pay the maximum rate when you use our simple online quotes to compare!    

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