After a few accidents or a DUI, you may need to know how to find high-risk auto insurance in Washington on the cheap. However, other factors can classify you as a high-risk driver, so I’ll review those first, and then give you some tips to help you get cheap high-risk auto insurance in WA.
Washington High Risk Insurance Basics
Many different factors can put someone in the high risk category. Here are the most common occurrences that lead to this:
Driving under the influence, or a DUI/DWI
A large number of accidents and/or tickets in a short period of time
Young or inexperienced driver (usually 16-21 years old)
reckless dating
Accidents resulting in death
Other factors can lead to being placed in the non-standard or high risk category for insurance companies, but these are the main ones. You may need to file an SR-22 form, once you have been tagged as a high risk driver.
Ways to Find Cheap High Risk Rates in WA
Finding cheap high-risk auto insurance in Washington starts with using the basics that anyone can use to find lower insurance premiums. Here are some tips to get you started:
Invest your time to shop around. Although it’s easier to choose a company recommended by a friend, everyone has different factors, such as age, driving history, or even the commute to work. It is best to do the work on your own to compare which company is best suited to your needs and your wallet.
Trade in a nice (and expensive) car for lower insurance premiums. The more expensive the vehicle, the more expensive it will be to repair or replace it. Lower your monthly car payment and one-time insurance payment by trading it in.
If you can find a cheaper (and usually older) vehicle, consider what types of coverage you want in your policy. If you have a vehicle that is 10 years old or older, most insurance agents will recommend that you keep liability only instead of physical damage coverage based on the value of the vehicle.
Check out our auto insurance discounts page. Not all of these revolve around a good driving record, so it’s important to do your research. For example, young drivers may qualify for a good student discount based on their qualifications, or if you have multiple vehicles that you’re insuring, you may qualify for a discount. Plus, bundle all your insurance needs (homeowners/renters, auto and life) for discounts that apply to each policy.
Compare Washington High Risk Auto Insurance Quotes Online
Don’t be discouraged if insurance companies classify you as “high risk.” Different companies have different ratings for cheap fares, so the more companies you compare, the better chance you have of finding the cheapest fare. Look around many companies to find the Washington auto insurance that best suits your individual needs and situation. Start comparing companies using a free search tool now to find cheap high-risk auto insurance in Washington!