Finding the best full coverage car insurance deals in Washington can be a daunting task, especially for drivers with accidents on their records. However, numerous insurance companies offer competitive rates and comprehensive coverage even for those with a less-than-perfect driving history. Here are some of the top options for drivers seeking full coverage car insurance in Washington.
1. State Farm
State Farm is known for its excellent customer service and a wide range of coverage options. They offer full coverage policies that include liability, collision, and comprehensive insurance. Drivers with accidents may find that State Farm provides competitive rates and discounts based on safe driving habits or other responsible behaviors. Their user-friendly mobile app also makes managing your policy simple.
2. Geico
Geico is famous for its affordable insurance solutions and strong financial stability. They offer various discounts, including for multiple vehicles, military service, and good student discounts. Even if you have an accident on your record, Geico's comprehensive policies can help you find the right balance between coverage and cost.
3. Progressive
Progressive is an excellent choice for drivers looking for flexibility and competitive pricing. Their Name Your Price tool allows you to set a budget and find coverage options that fit within it. Progressive also offers accident forgiveness for drivers who have maintained a good driving history for a certain period, which can be beneficial even if you have past incidents.
4. Allstate
Allstate provides tailored policies that cater specifically to drivers with accidents. They offer various discounts, including a safe driver bonus and a new car discount that can make full coverage more affordable. Allstate's coverage includes options like roadside assistance and rental reimbursement, making them a top contender for full coverage car insurance.
5. Farmers Insurance
Farmers Insurance offers a range of full coverage options and specialized policies for drivers with past accidents. Their experienced agents can guide you through the process of finding the best rates, and they frequently update their offerings to ensure competitive pricing in the market. Additionally, Farmers provides unique discounts and incentives that can further enhance affordability.
6. USAA
If you have a military affiliation, USAA is renowned for providing some of the best rates and services in the car insurance market. Their full coverage policies are comprehensive, and they tend to have lower rates for drivers with accidents. It's important to note that USAA is only available to military members, veterans, and their families, but the benefits they provide are exceptional.
Tips for Finding the Best Deals
When shopping for full coverage car insurance in Washington, consider the following tips:
- Compare Multiple Quotes: Always obtain quotes from multiple insurance providers to ensure you are getting the best rate.
- Ask About Discounts: Inquire about any discounts that may apply specifically for drivers with accidents, such as safe driving courses or bundling policies.
- Review State Requirements: Understand the minimum insurance requirements in Washington and ensure your coverage exceeds these standards.
- Consult with an Agent: Speaking to an insurance agent can provide personalized insights based on your driving history and needs.
In conclusion, drivers in Washington with accidents on their records can still find excellent full coverage car insurance deals. By exploring options like State Farm, Geico, Progressive, Allstate, Farmers Insurance, and USAA, and following strategic shopping tips, you can secure the protection you need at a competitive price.
