Finding affordable car insurance can be a challenge for drivers with traffic violations. In Washington, rates can vary significantly based on your driving history. However, there are options available that provide good coverage at a reasonable price. Here are some tips and recommendations for securing the best cheap car insurance in Washington if you have traffic violations on your record.
1. Understand Washington's Car Insurance Requirements
Before seeking cheap car insurance, it’s essential to familiarize yourself with Washington's minimum insurance requirements. State law mandates that drivers carry:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $10,000 for property damage
Beyond these minimums, consider increasing your coverage for better protection, especially if you have prior traffic violations.
2. Shop Around for Quotes
Different insurance companies weigh traffic violations differently when calculating premiums. It’s vital to shop around and compare quotes from various insurers. Websites like Zebra or Insurance.com can help you gather competitive rates from multiple providers in a matter of minutes.
3. Consider Usage-Based Insurance
Many insurance companies in Washington offer usage-based or telematics insurance programs. These plans monitor your driving behavior and habits. If you drive safely despite your past violations, you may qualify for significant discounts based on your driving score. Companies like Progressive or Allstate provide such options.
4. Look for Discounts
Don’t overlook discounts that might be available to you. Many insurers provide discounts for:
- Taking a defensive driving course
- Bundling home and auto insurance
- Good students (for younger drivers)
Ask potential insurers about any discounts they offer that could help lower your premiums.
5. Maintain a Clean Driving Record
After a traffic violation, your rates may be higher initially. However, maintaining a clean driving record moving forward can help reduce your premiums over time. Many insurance companies review your driving history every six months and may offer you lower rates as your record improves.
6. Choose the Right Deductible
Higher deductibles generally lead to lower monthly premiums. Consider your financial situation and choose a deductible that you can afford in case of an accident. Balancing between premiums and deductibles is crucial—select a deductible that keeps your monthly costs manageable without risking high out-of-pocket expenses in the event of a claim.
Preferred Insurers for Drivers with Violations in Washington
Several insurers are known for working with drivers who have traffic violations:
- Geico – Known for competitive rates and various discounts.
- Progressive – Offers flexible coverage options and a telematics program.
- State Farm – Has a good reputation for customer service and discounts.
- Esurance – Provides online tools and resources to manage and compare policies easily.
Conclusion
While having traffic violations can complicate your search for affordable car insurance in Washington, it’s not impossible. By understanding state requirements, shopping around for quotes, and considering discounts and usage-based options, you can find a policy that fits your needs without breaking the bank. Remember, patience and research are key when searching for the best cheap car insurance tailored to your driving history.
