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Bothell Car Insurance

Bothell car insurance comes in two main options - basic coverage and full coverage. However, all drivers in Bothell can benefit from picking and choosing their policy choices and coverage limits to suit their specific driving needs and budget. Whether you are looking for a very basic Washington insurance plan or are looking for a more comprehensive way to protect your car and your finances, be sure to compare what's out there with an online search.

Basic or Full Coverage?

All drivers in and around Bothell will need to purchase car insurance. It is against the law not to. Bothell, WA law requires all drivers to purchase at least $25,000 per person up to $50,000 per accident of bodily injury liability as well as $10,000 of property damage liability. This is considered the minimum or basic coverage.

Most drivers in Bothell, WA will opt for extra protection on top of the basic coverage. Because Washington operates under a tort system, basic coverage will actually only come into effect if you need to pay for the expenses to the other driver if you are found at fault for the accident. This type of third party protection will not cover any of the medical or vehicle related expenses that you face. This is where full coverage comes in.

You can opt to include collision, comprehensive, personal injury protection and uninsured motorist coverage on top of your basic coverage plan. Collision coverage will pay for any repair expenses to your vehicle if you are found at fault for the accident while comprehensive coverage will pay for any repairs to your car if the accident was the result of a third party, such as a theft, vandalism, hit and run or storm damage. Personal injury protection is a type of medical coverage that offers compensation from any injuries sustained regardless of who is found at fault for the accident.

You might also want to consider uninsured motorist coverage which will pay for the costs to your car and yourself if the other driver is to blame for the accident but not adequately insured. Under normal circumstances, if the other driver is found at fault for the accident, then his provider will pay for your damages; however, if that other driver does not have adequate coverage, then you could be looking at several thousands of dollars in out of pocket expenses. Uninsured motorist coverage not only protects you on the road but also protects you from the other driver's irresponsibility.

Determining your Rate

When it comes to purchasing Bothell automobile insurance, your rate is an important aspect. You want to be sure that you are getting the best price on your Bothell car insurance. One of the easiest ways to do this is to know what is out there. Familiarize yourself with the various vehicle insurance quotes on offer with an online search where you will get instant access to the best rates on Bothell car insurance.

Washington vehicle coverage rates will fluctuate year after year and month to month. Last year's rates are 12 percent lower than the previous year but 13 percent higher than 2008. The average Bothell car insurance rate is just over $1600 which is quite similar to the national average as well[1]. If you are paying a lot more this than price every year, then it might be time to ask yourself (and your provider) why.

Your Bothell vehicle insurance price increase will depend on a number of things including your age, your gender, your marital status and your zip code. In addition to these factors, the type of car you drive, how much driving you do, where you park your car at night and where you work will also impact your auto insurance quotes. Furthermore, your driver history and your credit rating will also impact your rates. To get the best deals out there you need to find a company that will work with you, not against you.

Compare Bothell Car Insurance

When you are comparing car insurance quotes in Bothell and across Washington State one on the most important things to remember is that no two providers are the same. While one provider may offer discounts to mature drivers, another may offer discounts to students. Your first goal when it comes to getting the cheapest Bothell auto insurance is to find a provider that can offer you the best prices and discounts.

One of the main reasons to compare car insurance in Bothell online is to be sure that you are insuring with the right provider for your specific needs. Another reason to compare coverage options is to be sure that you are getting the most comprehensive package on and off the roads. Take the stress out of selecting car insurance and protect your financial future by investing in adequate yet affordable Bothell car insurance.

[1] 01/04/2011


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