4 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Washington
Buying insurance can be a daunting task, but it doesn't have to be. Washington state has a number of experienced agents and brokers that are well-equipped to help you find the coverage you need. Here are 4 reasons why using an agent or broker is preferable to buying directly from an insurance carrier:
Ocean Shores brokers and agents act as a one-stop shop for finding the right coverage. Instead of having to shop around with different carriers, they can quickly assess your individual needs and compare policies from multiple companies in order to get you the best rate possible.
Agents and brokers provide expert advice on policy options and coverage limits so that you're not left guessing when it comes time to make a decision. They can explain the differences between all of your options in order to ensure that you're making an informed choice.
Ocean Shores Agents and brokers are available to answer any questions and provide ongoing assistance when it comes time to file a claim or make changes to your policy. This means that if there is ever an issue with your coverage, they can help get it sorted out quickly and efficiently.
Perhaps most importantly, agents and brokers act as advocates for you and work hard to get you the best possible rate on your insurance premiums. They have access to markets that smaller online providers may not have access to, allowing them to find lower rates than what may be offered directly from a carrier.
For Ocean Shores residents looking for the best coverage at the lowest price, using an experienced broker or agent can be a great way to save time, money and ensure that you're getting the coverage you need.
4 Reasons Insurance Companies Declare Vehicles Totaled in Washington State
Washington State has some of the most stringent vehicle insurance regulations in the nation. As a result, Washington insurance companies frequently declare vehicles “totaled” when they become damaged or otherwise unusable. Here are four reasons why Washington-based insurance companies might deem a car to be totaled:
Extensive Damage: When an accident results in extensive damage to a vehicle, Washington insurers may decide that it is not worth repairing and instead declare it totaled. This usually happens when repair costs exceed the value of the car itself.
Costly Repairs: Insurance companies also may determine that repairs for certain types of damages would be too expensive for them to cover. For example, if there is major structural damage to a vehicle, Washington insurers may opt to declare the car totaled rather than pay for costly repairs.
Total Loss: Washington law states that any vehicles that are stolen and not recovered within 30 days or have been damaged beyond repair must be declared a total loss by insurance companies. This means that these cars can no longer legally be driven on Washington roads.
Safety Risks: Washington-based insurers also may choose to declare a vehicle totaled if it poses a safety risk due to its damage. In this case, the insurer would deem the car unsafe and unrepairable, thus declaring it totaled in order to protect drivers from potential harm.
Ultimately, Washington insurance companies base their decisions on whether or not they believe repairs are cost-effective and safe. In Washington State, when a car is totaled it must be sold for scrap or parts in order to protect the public's safety.
4 Things to Know Before Going to an Auto Body Shop in Washington
Ocean Shores is home to a variety of auto body shops. Whether you're looking for a simple fix or need major repairs, finding the right shop can be intimidating. Here are four tips to help you make the best decision before visiting an auto body shop in Washington:
Do your research - Before choosing an auto body shop, it's important that you do your research and compare local businesses. Look for customer reviews online and ask friends and family for recommendations.
Ask about experience - Make sure you inquire about the shop's level of experience when considering taking your car there. A good Ocean Shores auto body shop should have years of experience working on various types of vehicles and have certified technicians.
Confirm insurance policies - Before you drop off your car, ask the Ocean Shores auto body shop if they accept your specific insurance policy. If not, you may need to pay out of pocket for any work done on the vehicle.
Make sure they guarantee their work - You want an auto body shop that stands behind their work and guarantees satisfaction. Ask about a warranty or guarantee on all services performed to make sure you're getting quality repairs and parts.
4 Steps of Insurance Claims Process After an Accident in Washington
After an accident occurs in Ocean Shores, it's important to understand the steps of the insurance claims process. Knowing what comes next can help you feel more informed and prepared for any situation. Here are four steps of the insurance claims process you'll need to go through after an accident:
Report the Accident: You must report all Washington accidents to your insurance company as soon as possible, or within 24 hours if you were injured. If there is significant damage or injuries involved, make sure to contact local police first before filing a claim with your insurer.
Collect Necessary Documents: Make sure you collect any necessary documents such as photos or police reports that may be required for submitting evidence when processing your claim. The Washington State Department of Licensing also requires that you report any accident involving more than $1,000 in property damage to the Washington Department of Transportation within four days.
Determine Liability: Your insurance company will determine who is at fault for the accident and who should be held liable for damages. This includes deciding whether the other driver was fully responsible, or if there were extenuating circumstances such as weather or road conditions that could have affected either party's ability to avoid a collision.
Submit Claim to Insurance Company: After all necessary documents have been collected and liability has been determined, you can submit your claim to your insurance company. The insurer will calculate an estimate of the damages, including medical costs and vehicle repairs, and will then decide how much they plan to pay out. Receiving a settlement can take several weeks or months depending on the complexity of the claim.
By following these steps after an accident in Ocean Shores Washington, you can ensure that your insurance claim is processed quickly and accurately. Once all paperwork is submitted and approved, you'll be able to receive your settlement and begin moving forward with life as usual.
15 Most Rugged Automobiles to Drive in Washington
Washington is a beautiful state with plenty of rugged landscapes to explore. From the Cascade Range to the Washington Coast, Washington offers an array of terrains that require powerful and reliable vehicles. This list highlights some of the toughest cars available in Washington today, capable of handling any terrain you may encounter in the Evergreen State.
Jeep Wrangler - The classic Jeep Wrangler is well-known for its strength and off-road capability, making it a great choice for Washington's diverse roads. Its body-on-frame construction gives it superior stability over rocky terrain, while its four-wheel drive helps keep you moving forward no matter what comes your way.
Toyota Tacoma - The Toyota Tacoma is one of the most dependable mid-size pickups available, and its rugged construction makes it a great choice for Washington's unpredictable roads. Its powerful V6 engine gives you plenty of power to tackle Washington's mountainous terrain, while its generous ground clearance helps keep you from getting stuck in soft or muddy soils.
Subaru Outback - The Subaru Outback is an all-around capable vehicle that pairs a roomy interior with robust off-road capabilities. Its standard all-wheel drive helps you navigate Washington's wet and slick surfaces without slipping, while its 8.7 inches of ground clearance can help you traverse even the roughest terrain Washington has to offer.
Ford F-150 - The Ford F-150 is a classic truck that's known for its strong and durable construction, making it an ideal choice for Washington's rugged terrain. Its available 4x4 system helps you keep your footing over any terrain, while its muscular V8 engine provides plenty of power to get out of tricky situations.
Honda Ridgeline - The Honda Ridgeline is one of the most capable mid-size pickups on the market today, thanks to features like its all-wheel drive system and unibody construction. These features help make the Ridgeline an excellent choice for Washington drivers who need a dependable vehicle to tackle Washington's varied landscape.
Jeep Cherokee - The Jeep Cherokee is one of the most dependable SUVs on the market today, and its off-road capabilities make it a great choice for Washington drivers. Its available four-wheel drive system helps you keep your footing in Washington's rugged terrain, while its powerful V6 engine gives you plenty of power to get through challenging conditions.
Nissan Frontier - The Nissan Frontier is another mid-size pickup that stands out among Washington drivers thanks to its strong and reliable construction. Its robust suspension helps absorb bumps from Washington's rocky roads, while its available 4x4 system makes short work of Washington's slick surfaces.
GMC Sierra - The GMC Sierra is a classic full-size pickup that's known for its rugged construction and powerful V8 engine. Washington drivers can also benefit from its available four-wheel drive system, which helps them stay in control no matter what Washington roads throw their way.
Toyota 4Runner - The Toyota 4Runner is a dependable mid-size SUV that's well-suited to Washington's varied terrains. Its impressive ground clearance allows you to traverse rocky terrain without issue, while its four-wheel drive system helps you keep your footing over Washington's slick surfaces.
Jeep Grand Cherokee - The Jeep Grand Cherokee is one of the most capable SUVs on the market today, thanks to features like its powerful V8 engine and all-wheel drive system. Washington drivers can benefit from both of these features, which provide ample power and traction to handle Washington's rough roads.
Chevrolet Silverado - The Chevrolet Silverado is a classic full-size pickup that's known for its rugged construction and powerful V8 engine. Washington drivers can also make use of its available four-wheel drive system, which helps keep you in control no matter what Washington roads have to offer.
Toyota RAV4 - The Toyota RAV4 is an all-around capable SUV that pairs a spacious interior with robust off-road abilities. Its standard all-wheel drive system helps you navigate Washington's wet and slippery surfaces without issue, while its 8.9 inches of ground clearance lets you tackle even the roughest terrain Washington has to offer.
Subaru Outback - The Subaru Outback is a dependable mid-size SUV that's known for its all-wheel drive system and sturdy construction. Washington drivers can benefit from both of these features, which provide traction and stability over Washington's varied terrain.
Chevrolet Colorado - The Chevrolet Colorado is a classic mid-size pickup that stands out among Washington drivers thanks to its robust suspension, available four-wheel drive system, and powerful V6 engine. These features help make the Colorado an excellent choice for Washington drivers who need a dependable vehicle to traverse Washington's rugged terrain.
Toyota Tacoma - The Toyota Tacoma is another mid-size pickup that's known for its robust construction and powerful V6 engine. Washington drivers can also benefit from its available four-wheel drive system, which helps them stay in control over Washington's slick surfaces. This makes the Tacoma an excellent choice for Ocean Shores drivers who need a dependable vehicle to traverse Washington's varied terrain.
15 Cheapest Cars and Trucks to Insure in Washington
Ocean Shores drivers know that auto insurance can be expensive, but there are definitely ways to save on your premium. With the right car or truck and some smart shopping, Washington drivers can find a policy that meets their needs without breaking their budget. We've put together a list of the 15 cheapest cars and trucks in Washington to insure so you can get the best deal possible on your auto insurance. Check out our list below and start saving today!
Nissan Versa Note
Jeep Cherokee Latitude 4x4
Dodge Grand Caravan SE
Jeep Patriot Latitude 4x4
Honda Odyssey EX-L
Toyota Tacoma SR5 Double Cab 4x2
Chevrolet Silverado 1500 Work Truck
Ford F-150 XLT SuperCrew 4x4
4 Benefits of Adding a College Student to Your Auto Insurance Policy
If you live in Ocean Shores and have a college student living with you, adding them to your auto insurance policy can provide several advantages. Here are four of the top benefits of including a college student on your policy:
Lower Premiums: One advantage of adding a college student to your policy is that it can often lead to lower premiums for the whole family. This is because college students who maintain good grades (often referred to as “good student discounts”) or those who take defensive driving courses may qualify for cheaper rates.
Coverage Flexibility: Adding a college student to an existing policy also gives you more flexibility when it comes to coverage. For example, if the student has their own vehicle, you can add them as a driver on your policy or purchase a separate policy for the student.
Additional Discounts: Washington state also offers additional discounts if you add a college student to your auto insurance policy. These discounts may be available for students who are enrolled full-time at an accredited Washington college or university and maintain good grades.
Increased Safety: Finally, adding a college student to your auto insurance policy can help ensure their safety while driving. You'll have peace of mind knowing that your college student is covered if they are involved in an accident, and that any medical bills resulting from the accident will be taken care of by your insurance provider.
Cost of Car Insurance in 6 Different Age Groups in Washington
Car insurance rates in Ocean Shores vary greatly based on the age of the driver. Rates tend to be most expensive for teenage drivers due to their lack of driving experience and higher risk of being involved in a car accident. Teenage drivers often pay nearly twice as much as older, more experienced drivers. To give you an idea of how car insurance costs change with age, we've outlined the average cost of car insurance in Washington for drivers aged 16-35.
16-year-olds: The average annual cost of car insurance for 16-year-olds in Washington is $5,425. This is significantly higher than other age groups due to the increased risk associated with teenage drivers.
17-year-olds: 17-year-old drivers can expect to pay an average annual car insurance rate of $3,619. This is slightly lower than the rate for 16-year-olds due to their slightly greater driving experience and maturity.
18 - 20 year olds: Drivers in this age range have an average annual car insurance cost of $2,157. This is much lower than the rate for 16-year-olds, but still higher than the rates for older drivers due to the fact that young adults in this age range are more likely to be involved in a car accident.
21 - 24 year olds: Drivers in this age group pay an average of $1,619 per year for car insurance. As drivers gain experience and mature, they become less risky and their rates drop accordingly.
25 - 34 year olds: Washington drivers aged 25-34 can expect to pay around $822 annually for car insurance. This is significantly lower than younger drivers due to the increased driving experience that comes with maturity.
35-year-olds: Drivers aged 35 and over pay an average of $719 per year for car insurance in Washington. This is the lowest rate among all age groups, as older drivers tend to be more experienced and less likely to be involved in an accident.
Overall, Ocean Shores drivers can expect their car insurance rates to decrease with age. However, teenage drivers should still take steps to find discounts and lower their premiums as much as possible. Taking a defensive driving course or getting good grades in school can help young drivers get cheaper rates from some insurers. No matter your age, it's important to shop around for the best prices on car insurance in Washington. Comparing quotes from different providers is the best way to make sure you're getting the best deal.
4 Driving Violations That Require High Risk Insurance in Washington
Washington has a number of driving violations that require drivers to obtain high risk insurance. These violations can result in higher premiums, and even the suspension or revocation of your driver's license. It is important to know what types of violations will require you to have high risk insurance in Washington, so you can be prepared with the necessary coverage if needed. Here are four examples:
Reckless Driving - Washington defines reckless driving as operating a motorized vehicle in a manner which shows disregard for other vehicles or pedestrians on the roadway. If convicted, this violation requires you to obtain high risk insurance before regaining driving privileges.
DUI/DWI - Driving under the influence (DUI) or driving while intoxicated (DWI) are both serious offenses in Washington. Being caught driving with a blood alcohol concentration of .08 or greater for adults and .04 or greater for commercial drivers will result in an automatic suspension of your license, and require you to obtain high risk insurance before being able to drive again.
Negligent Driving - Washington defines negligent driving as any act which involves the operation of a motor vehicle that shows a disregard for safety or property on a public roadway. It is considered to be more serious than reckless driving and requires you to obtain high risk insurance if convicted.
Drag Racing - Washington prohibits anyone from participating in drag racing on public roads, highways, or private areas that are open to the public. If convicted, this violation will require you to obtain high risk insurance.
It is important to be aware of Washington's driving laws and the necessary coverage required for violations in order to maintain your driving privileges. Make sure you are adequately covered with high risk insurance if needed, so that you can remain on the road safely.
Top 8 Car Insurance Companies by Least to Most Expensive in Washington
Washingtonians have a wide selection of car insurance companies to choose from. We've compiled a list of the 8 least expensive auto insurance providers in Washington based on average annual premiums for minimum coverage.
State Farm: Average annual premium of $596. Their competitive rates and range of discounts are great for Washington drivers looking for a budget-friendly policy option.
USAA: Average annual premium of $637. Washington drivers with military backgrounds can benefit from USAA's members-only deals and services, along with their low average premium rate.
PEMCO: Average annual premium of $683. They offer a variety of discounts to Washington residents and also provide a no-obligation quote system that allows customers to compare rates from multiple providers.
Allstate: Average annual premium of $815. Washington drivers can get special discounts for bundling their policies and using the Drivewise app, along with their competitive prices.
GEICO: Average annual premium of $836. Washington residents looking for a reliable option will find low average premiums, generous discounts, and extensive coverage options with GEICO.
Farmers: Average annual premium of $927. Washington drivers can take advantage of their variety of coverage options as well as special Multi-policy discount when buying more than one type of policy at once.
American Family Insurance: Average annual premium of $930. Washington drivers with a clean driving record can benefit from their accident forgiveness policy, as well as their competitive average premiums.
Progressive: Average annual premium of $976. Washingtonians can take advantage of the Snapshot program and other discounts offered by Progressive to save on car insurance costs.
3 Different Auto Insurance Discounts in Washington
Ocean Shores drivers can get great discounts on their auto insurance by taking advantage of the different options available. Here are three of the most common discounts Washington drivers should look for:
Good Driver Discounts: Ocean Shores insurers offer discounts to drivers with a good driving record, meaning no major traffic violations or accidents in a certain amount of time. Drivers may also be able to qualify for additional discounts if they have completed an approved defensive driving course.
Multi-Vehicle Discounts: Insurers in Washington often offer multi-vehicle discounts to households that insure multiple vehicles under the same policy. This helps families save money and ensures that everyone's car is properly covered. Insurers may also offer multi-line discounts for households that purchase both auto and home insurance from the same provider.
Low Mileage Discounts: Ocean Shores drivers who don't drive very often may be eligible for low mileage discounts. These are offered to motorists who drive fewer than a certain amount of miles each year and can help them save on their premiums significantly. Other Washington insurers offer pay-as-you-drive programs, which charge customers based on how much they actually use their vehicle.
3 Auto Theft Statistics in Washington
Washington has seen its fair share of auto theft incidents, with an estimated 10,000 cars stolen in 2020. This number is down from previous years but still shockingly high for a state that prides itself on safety and security. Here are three shocking statistics about car thefts in Washington:
Washington ranks 13th in the nation for auto thefts per capita. In 2019, there were 472 car thefts per 100,000 people, according to the Washington State Patrol.
Washington's largest city, Seattle, has the highest rate of car thefts in Washington State. In 2019, there were 620 thefts per 100,000 people in Seattle.
Washington is home to two cities that rank in the top 20 for auto theft rates: Tacoma and Spokane. Both cities had more than 450 thefts per 100,000 people in 2019.
Despite these alarming statistics, Washington does have some preventive measures in place to help reduce auto theft rates. Such measures include increased patrols by the Washington State Patrol and Washington County Sheriffs' Departments as well as an active Auto Theft Prevention Program managed by the Washington Association of Sheriffs & Police Chiefs. These initiatives are helping to reduce auto theft rates throughout Washington State and ensure Washington residents are better protected from auto theft.
11 Interesting Driving Statistics in Washington
Washington is home to diverse terrain, ranging from flat plains and high deserts to rugged mountain ranges and dense forests. Driving in Washington can be both an enjoyable and challenging experience and understanding some of the driving statistics for Washington can help you plan your next roadtrip or daily commute. Here are 11 interesting Washington driving statistics:
Washington has a total of 22,272 miles of public roads, with 26% being state highways, 4% being interstate highways, 8% being U.S. routes, 7% being auxiliary routes, 5% county roads and 50% local roads (Washington State Department of Transportation).
Washington residents drive an average of 11,527 miles per person each year (U.S. Census Bureau).
Washington has the nation's 11th lowest fatality rate for motor vehicle crashes (Insurance Institute for Highway Safety).
Washington is one of only two states with no speed limit on rural interstates (Washington State Department of Transportation).
Washington drivers spend an average of 24 minutes commuting to work each day, ranking as the 10th longest commute time in the United States (U.S. Census Bureau).
Washington had nearly 3 million vehicles registered in 2018, up from 2.8 million vehicles in 2008 (Washington State Department of Licensing).
The Seattle-Tacoma metro area has the second highest concentration of alternative fuel vehicles (AFV) in the United States (Alternative Fuels Data Center).
Washington drivers pay an average of $1,206.97 for car insurance annually, with Seattle having the highest rates in the state (Value Penguin).
Washington was one of only seven states that saw a decrease in traffic fatalities from 2017 to 2018 (National Highway Traffic Safety Administration).
Washington has the second lowest rate of uninsured drivers at 8%, ranking just below Massachusetts (Insurance Information Institute).
Washington ranks 9th in terms of most expensive gasoline prices ($3.19 per gallon) as of 2019 according to GasBuddy's Fuel Insights report.
Car Insurance by Gender in Washington
In Ocean Shores, the cost of car insurance is affected by gender. Washington state adopted a law in 1998 that prevents insurers from using gender as a factor when setting rates for automobile insurance coverage. This means that male and female drivers in Washington should expect to pay the same rate for their auto insurance policies.
That being said, there are still factors that can contribute to differential pricing between Washington's male and female drivers. These include age, driving experience, driving record, type of vehicle driven, and credit rating. Additionally, other factors such as zip code or location may also play a role in how much a driver pays for their car insurance policy.
Overall, Washington's law against gender discrimination has created an environment where both male and female drivers can expect to pay the same rate for their car insurance policies. Washington is leading the way in promoting fairness and equality among its citizens, which is a policy that all states should strive for.
The Washington Department of Insurance provides resources to educate consumers about auto insurance, including information on how gender doesn't affect your rates. It is always wise to compare rates between different companies when shopping for auto insurance coverage. By doing so, Washington's men and women can ensure they are getting the best deal possible on their car insurance policy regardless of their gender.
What is the average car insurance rate in Ocean Shores Washington?
The average rate for Ocean Shores is $1,201. Look for discounts to make this even more affordable.
What is the minimum coverage required in Ocean Shores WA?
In Ocean Shores Washington, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $10,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Ocean Shores WA?
Average cost for two vehicles in Ocean Shores is $3,135. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Ocean Shores WA?
To get low cost car insurance in Ocean Shores, WA, simply fill out the form above and compare quotes then pick the best one.