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Federal Way Car Insurance

Federal Way car insurance provides drivers with multiple opportunities to stay within the legal realm of insurance while also saving a lot of money. However, if you’re like most WA residents, when you think of Federal Way car insurance, you probably don’t think of saving money. Instead, you probably think of those pesky premiums you have to pay and the hoops you have to jump through to maintain coverage. To most people, car insurance is a source of frustration. However, because it is legally required within the state, there is simply no way around it.

The good news is that having Washington car insurance coverage in place can not only save you some serious cash if you are in a car accident, but you can also achieve lower rates and find great deals on your Federal Way car insurance just by doing a little shopping. In fact, if you put a small amount of effort into learning about insurance options, you can find extensive coverage for low rates. Everyone likes a good deal, but sometimes the best Federal Way vehicle insurance deals are the ones you have to search for.

WA Requirements

The state of Washington, like many states, requires that all drivers carry minimum car insurance. In fact, if you are pulled over for a traffic violation or stopped in a road block and you cannot produce proof of coverage to a Washington officer, you will be fined have a month to provide proof - after this, your fine will continue to grow. Not to mention, if you do not have Federal Way car insurance in place and you are involved in a car accident, the financial repercussions can be astronomical. Car repairs, property repairs and medical bills can really add up. You can find low income vehicle coverage for almost any budget. Not having Federal Way car insurance simply isn’t worth the trouble.

The requirements within each state differ slightly, so it’s always important to check local laws before you purchase coverage. In WA, drivers must have $25,000 per person for injury, $50,000 per accident for injury and $10,000 per accident for property damage. These figures represent the amount of coverage you have for injuries you cause. In addition, you must have $25,000 per person for injury, $50,000 per accident for injury and $5,000 per accident for property damage in uninsured motorist coverage to protect yourself in case you are in a car accident with someone who is not insured. [1]

Teen Drivers

One of the most expensive groups of drivers, in regard to Federal Way auto insurance, is teenagers. Although many Federal Way teenagers feel this is unfair, it is for good reason. Teen drivers are involved in many more accidents than experienced drivers and are much more likely to cause car accidents than experienced drivers. This is due to a couple of reasons. Firstly, teen drivers are not as experienced on the road and are not yet experts in maneuvering vehicles. They have not yet built the essential driving skills set. Secondly, teen drivers are statistically more likely to engage in reckless driving and more likely to have chances. In other words, there is more of a chance of a claim being filed on a teenager’s policy than a experienced driver’s plan.

That being said, it is not impossible for teenagers to obtain affordable rates in Federal Way. There are several ways to achieve lower Federal Way automobile insurance rates for teens. Driver’s education is required for teenagers in Washington already, so there is no way to get around taking this class. The good news is that it also helps to lower your premiums. In addition to basic driver’s ed, you can also take additional driving classes, such as defensive driving. Other ways to lower your premiums include driving less, driving a safer vehicle and, of course, being a safe driver. Some of the lowest rates on the market in Federal Way are granted to people who avoid accidents and traffic violations. So be sure to take your time and always pay close attention.

Choosing Your Coverage

You can purchase the first Federal Way plan that you are approved for, but this is not recommended. If you’re concerned about saving money and being financially responsible, then you should take the time to compare Federal Way quotes before you buy. Take advantage of fluctuating Federal Way prices and make sure you’re getting the most for your money. When it comes to automobile insurance, you want to purchase the most coverage you can afford so, if you are involved in a car accident, you won’t have to pay near as much out of pocket. Thus, the less expensive the plan, the more additional coverage you can afford to add on. Make sure you’re choosing the most reliable Federal Way car insurance protection money can buy.

[1] http://www.dmv.org/washington-dc/car-insurance.php (2/21/11)

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