Getting Seattle car insurance may not be as easy as it seems. There are lots of car insurance companies out there to choose from. Instead of having to visit every car insurance company out there, why not use online car insurance quotes?
You can use the free quote form at the top of this page as a first step to getting rate information from some of Seattle’s and Washington state’s largest insurers. It doesn’t cost a thing, and you may just find the right policy for you today.
Seattle Auto Insurance Agents
There are too many insurance agents in Seattle to list here. Instead, here are some links to the largest national insurance carriers in the country, where you can find more information about where to find their agents.
Seattle Allstate Insurance Agents
There are over 100 Allstate insurance agents in the greater Seattle area. Of these, 29 can be found in the city itself and the rest can be found in surrounding communities such as Bellevue, Kirkland, Redmond, Port Orchard and more.
Seattle Farmers Insurance Agents
Farmers also has a large presence in the city. Their website lists over 50 agents in the greater Seattle area, with most located no more than 6 miles from downtown.
Seattle Geico Insurance Agents
Geico currently does not have any Seattle based insurance agents, but it does have one located in Bellevue.
Seattle Progressive Insurance Agents
Progressive insurance has deals with 14 Seattle based insurance agencies who can provide you with agent based quotes.
Seattle State Farm Insurance Agents
State Farm is the leader when it comes to insurance agents actually located in Seattle proper. Their website lists 41 agents in the city and dozens more in nearby places such as Mercer Island, Bellevue, Kirkland and Burien.
To find out whether or not the Seattle auto insurance agent you’re talking to is licensed you’ll have to do an insurance agent lookup.
Your insurance agency not listed? If you own an insurance agency that operates in Seattle and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Typical Seattle Car Insurance Rates
According to information from CarInsurance.com, Seattle’s car insurance rates are slightly above average. They claim average annual premiums for 2011 stand at $1,608, a little over $100 more per year than the national average and $200 more per year than the Washington state average. So you really need to look at getting several Seattle car insurance quotes online, if you don’t want to overspend on your policy.
Driving In Seattle
Generally speaking, driving in Seattle is no picnic. King county where Seattle is located, has the highest number of traffic fatalities in the state each year, according to the National Highway Traffic Safety Administration. In 2009, they reported that there were 76 fatalities in the county, down from over 130 just 3 years prior.
According to Allstate America’s Best Drivers Report™ for 2011, drivers in Seattle get in accidents more frequently than the do in the rest of the country. On average, you can expect to get in some form of accident every 8 years, about 25% more often than the national average.
Finally, the INRIX National Traffic Scorecard ranked the city as the 10th worst congested in the country. The I-405 and the I-5 both made it onto the list of the 100 worst congested corridors in the country. To avoid traffic you can view Seattle Area Traffic Conditions from the Department of Transportation’s website.
Washington State Insurance Laws
When you buy auto insurance in Seattle, you have to make sure it conforms to Washington state’s various insurance laws. Virtually all reputable companies will only sell you at least the basic coverage. Yet, it is still good to know as much as you can before shopping, so you can be a crafty consumer.
The main thing to know is that liability insurance is the only type of car insurance you are required by law to purchase. You’ll have to buy at least 25/50/10 coverage, which means $25,000 for injury to another person, $50,000 for injuries to all other persons, and $10,000 for damage to other people’s property. As Washington is a fault insurance state, these amounts are paid from the driver at fault to the victim. If you are at fault, liability insurance alone will not pay for your injuries or property damage.
Finally, you should be aware that you are required by law to carry proof of insurance whenever you operate your vehicle. Failure to demonstrate proof of insurance or not having insurance altogether, can result in fines and other penalties. For more about insurance laws, rules and regulation please talk to a licensed Washington state insurance agent (see above for some possible options) or visit the Office of the Insurance Commissioner’s website (link below).
Getting Your Seattle Car Insurance Quotes Online
Quotes from online car insurance companies are more than welcome in the game of saving money on auto insurance. With just a few clicks on your mouse, you can easily compare car insurance quotes quickly.
If you are getting Seattle, WA car insurance for the first time, reading Washington’s car insurance guide can help you out a lot. This guide can help you find out more about the ins and outs of car insurance companies, so you can have an idea on what to watch out for in case they pull a fast one on you. However there is no need for you to worry. Especially when there are plenty of reputable companies out there, that can provide you with the right kind of auto insurance that fits perfectly with your needs.
With Seattle car insurance, you can be at ease knowing that you are protected at all times. Whether you are at fault or not, having something to fall back on is highly important. You don’t want to be caught without car insurance now, do you?
Equip yourself with the right kind of protection while driving in Seattle, to avoid any hassles and problems in the long run. With the number of car insurance policies for you to choose from, you are sure to get the right insurance that not only fits well with your needs, but your budget as well.
So what are you waiting for? Find the best type of protection for you and your family with Seattle auto insurance quotes today: