That makes the strategy of working with an independent agent one of your best options for finding cheap car insurance with all the limits of your budget. The SR-22 is a form that the insurer submits to the state by the insurer to show that the driver has the legally required amount of insurance. Buying Washington minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. Therefore, the insurance company has to pay less in settlement costs than if the driver of the insurance policy were also covered.
If you have an accident while driving without insurance in Washington, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault. SR-22 insurance typically costs much more than regular insurance because of the high-risk designation that comes with crimes such as driving under the influence of alcohol and reckless driving. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. Keep in mind that lenders insist on having full auto insurance coverage before financing your car purchase.
Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. If you borrow a car from someone who lives in their own home, it must be listed on the car owner's policy. The difference between SR-22 and regular insurance is that SR-22 insurance is for high-risk drivers who have been convicted of serious traffic violations, while regular insurance is for anyone who drives a car. In Washington, drivers with just two speeding tickets pay an average of 30% more on their annual car insurance premiums, for example.
Ask your insurance agent for details on how to save on all your insurance needs in Washington and to provide you with cost estimates at various levels of deductibles. Just call Vern Fonk Insurance at (800) 455-8276 and find affordable car insurance that keeps you safe and legal behind the wheel. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 12% more than the average premium in Washington.