Keeping track of a few details when shopping for Washington car insurance can save you hundreds of dollars a year in premiums. Here is some useful information pertaining to auto insurance for vehicle owners in the state of Washington.  Use this to help customize the auto insurance coverage package that best suits your individual needs.

Washington State Minimum Liability Coverage

The minimum required liability coverage for car insurance in the state of Washington is 25/50/10 per vehicle. That means drivers are required to purchase no less than $25,000 in Personal Injury Protection (PIP), $50,000 in per-accident coverage for injuries to other people, and $10,000 in coverage against property damage.

Penalties for Driving Without Insurance in the State of Washington

People who get caught driving uninsured cars in the state of Washington face fines of up to $450 and community service. Driving with a suspended license can be punishable by higher fines of a thousand dollars or more.  Repeat offenders may face jail time and the possibility of having their licenses permanently revoked.

Auto Insurance Rates in the State of Washington

The average annual car insurance premium for a vehicle owned in the state of Washington was $1,694 in May of 2013. This figure landed right around the overall national average of $1,670.

Insurance premiums are calculated from a base rate that considers factors like local weather, crime rates, economy, population density and other site-specific demographics. The base rate is then adjusted up or down depending on the driver’s age, gender and marital status, credit history, other people living in the household, and type of car owned, among other things.

Low Cost Car Insurance Programs in the State of Washington

Insurers base their premiums on all members of a household, not just the owner of the car. One way to lower your premiums is to live alone.  Another idea is to accept a higher deductible when buying your policy.  Also, try to take care of smaller car problems yourself.  No need to send premiums through the roof over a dented fender.  Finally, take advantage of every possible available discount.  These may include good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, multiple policy discounts and multiple auto discounts, to mention only a few.  Ask every agent you speak with about discounts.

Obtaining Auto Insurance Quotes in Washington State

The state of Washington is home to nearly 85,000 licensed car insurance agents. Some are employed by nationally recognized companies like Allstate, Geico, Nationwide, State Farm, 21st Century and Liberty Mutual.  Others work for regional carriers like Dairyland, PEMCO and Western National.  Some even work independently, perhaps running a business online.  When choosing a smaller provider, check with the OIS to be sure your broker is legit.  In any case, contact many agents in your area and also get free quotes online.  Compare these quotes to secure the lowest possible premiums on Washington car insurance.