Compare car insurance rates in Washington carefully before you renew or take out your next car insurance policy. Despite the fact that car insurance coverage is very similar throughout the country, there are differences in what each state requires and how each treats fault. Washington is considered an add-on no fault coverage state, which means that while tort law is in place, no fault coverage is also an option. However, Washington does not put restrictions on lawsuits that can be filed based on a car accident. For these reasons it is important to carry good insurance.

Compare Car Insurance Rates in Washington: Mandatory Coverage

In the state of Washington, mandatory minimum car insurance coverage includes bodily injury of $25,000 per person; bodily injury of $50,000 per accident in total; and property damage of $10,000 per accident. Despite the fact that these limits are higher than mandatory coverage in many other states, realistically they are insufficient to cover most serious accidents. Insurance professionals in the know recommend limits no less than bodily injury of $100,000 per person; bodily injury of $300,000 per accident in total; and property damage of $100,000 per accident.

Compare Car Insurance Rates in Washington: Suggested Coverage

In addition to the mandatory coverage, there are also a variety of types of coverage that are highly suggested if you want to adequately protect your vehicle and your assets. Uninsured motorist coverage is important coverage to carry in Washington, as a very significant 16.1% of drivers dont have insurance. This makes the state the 11th highest in terms of uninsured drivers. Uninsured motorist coverage protects you in case of an accident with one of them.

Underinsured motorist coverage is similar and very highly recommended. It provides you with coverage in case the person whose fault an accident is carries liability limits that are insufficient to meet the losses incurred. Personal injury protection is also strongly suggested and will provide for medical expenses regardless of who causes an accident.

Collision and comprehensive are other types of coverage that you should carry if your vehicle has a significant worth. They provide for physical damage protection for your vehicle and are actually mandatory if your vehicle is financed, according to the lender. Collision covers damage from an at-fault accident. Comprehensive covers damage or destruction caused by things out of your control, such as fire, storm damage and theft. Considering that Washington is ranked 10th in terms of car theft in the nation, comprehensive is a good investment.

A final coverage suggestion is for the coverage that helps you out when your vehicle won’t go. Rental car reimbursement and towing and labor coverage are both relatively inexpensive and good additions to any full coverage policy.

Compare Car Insurance Rates in Washington Now