Most lenders in the state will require that you have coverage for physical damage. And if your vehicle is fully paid for, but has significant value, it's still wise to add it. Comprehensive and collision coverage can pay for the repair or replacement of your car in the event of an accident, theft, or any other damage as a result of a covered incident. Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle.
For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. This covers injuries that you, the designated driver, or the policyholder cause to another person. It also covers you and the members of your family that you include in your policy when you drive someone else's car or motorcycle (with their permission). Bodily injury liability coverage is mandatory in the state of Washington.
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. Like the best car insurance, the cheapest car insurance in Washington is likely to be different depending on the driver. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. To find the lowest premium for your coverage needs, many insurance professionals recommend getting car insurance quotes from different companies to compare rates.
Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. Like most states, Washington's auto insurance laws require drivers to have at least minimum levels of certain types of coverage. Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
Bankrate's insurance editorial team began the search for the best auto insurance companies in Washington by analyzing dozens of companies available in the state. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. Your car insurance could be higher or lower than these numbers, depending on a variety of personal factors. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy.
The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.