The 25/50/10 coverage is probably something you've heard of if you live in Washington State. This shows the minimum amount of liability insurance you are required by state law to have. Most people think that having more is good, but that comes at a price. The main goal of any driver is to find the best insurance at the lowest price possible.
When it comes to comparing insurance policies, here are some tips that may help:
- If a company gives you a quote that is much lower than all the others, you should look into it. It's important to make sure that both the agent and the auto insurance company are licenced to do business in the State of Washington. You don't want to work with a company that isn't doing things the right way.
When you ask for quotes, don't change your mind. Many insurance agents are very convincing and will try to persuade you that you need more coverage. Ask each agent for a quote for a certain amount of coverage and don't let yourself be swayed.
- Talk to your insurance company about renewing your policy once a year instead of every six months. This can be helpful because it can lock in a lower rate for a longer time.
- Ask about how to handle an accident. Some insurance companies with low rates don't provide the help that is so important after an accident. This can be a very scary time for the policy holder, so you'll want an agent who will be there for you.
Even though price is almost always the most important thing, when it comes to car insurance, service is a close second. When you ask for quotes, pay attention to how well the agent listens to your questions and wishes. This is usually a good way to tell what kind of service you'll get in the future.
