Auto insurance is one of the most important things money can buy. After saving up for that nice, new car, there has to be a way to make sure all those hard earned dollars don’t go down the drain. Especially in today’s economy, consumers are looking for the most practical buy they can find, while not settling for “state minimums.” Washington is a state of diverse terrain, speed limits that jump from low to high and wet climates; a nightmare for most looking to buy cost effective insurance. Following a few tips will help you put a few dollars in your pocket.

Washington is a median state when it comes to insurance premiums at an average of a 1.6 percent increase over a year’s time. The best way to find that magic number for a low premium is by comparison shopping; always easiest to do over the internet. Companies like progressive.com allow you to compare three quotes at once, letting you always know if you can get the best deal. If you would rather talk face-to-face with an insurance representative, Allstate Insurance is known for their great customer service and going the extra mile for each client.

A few things to note when deciding on an insurance company is familiarity with state specific laws, fines and speed limits. A new, and mostly overlooked, law in Washington State is the statewide ban on cell phone usage while driving. This law only became in effect in 2008 and is still ignored by most drivers, but can cost you a ticket. Also, keep in mind the strict DUI laws of this state, one offense and your license is gone for 90 days. Few insurance companies will even insure a driver with a DUI, much less give them a good deal on their premium.

Washington State is also known for its mountainous, icy/wet, traffic-induced roadways. This means it is a top state for accidents and careful driving is a must. Even if an accident is not your fault, your insurance company will likely still note it as an accident. Again, rates will go up.
Comparison shopping and abiding by the normal traffic laws will go a long way in keeping your insurance rates low. Most companies offer discounts to military, students and other organizations. That new car you worked so hard for will always stay looking its best if these tips are followed.