When shopping for Seattle auto insurance it is important to know what factors are used to determine the rates given by your insurance provider. If you understand what goes into this calculation you can guarantee that you have the protection you need in an accident as well as find a great rate for your coverage.

Auto insurance can be difficult to understand. There are many types of coverage available and there are differences in the requirements from state to state. Many Americans also don’t know that premiums and rates are calculated based on credit ratings.

Research what insurance coverage options you have available to you and learn how you can save money by better understanding the auto industry. Insurance requirements vary from state to state, so make sure you know what is required in Washington. Surprisingly your driving record may affect your rate less than the type of vehicle you drive.

Surveys show that Washington drivers pay higher premiums than most other states. One of the reasons for this is the harsh cold weather found in this region. The roads become icy and dangerous in freezing weather, raising the frequency of vehicle accidents.

Washington requires that all drivers have what is called 25/50/10 coverage. This term means that drivers have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Drivers must also have $10,000 property damage liability coverage to pay for property and vehicle damages.

Washington uses what is called a “tort system” which means that someone must always be found at fault in the accident. After blame is placed, then this person and his or her insurance company are held responsible for paying damages caused by the accident.

The state does not require drivers to carry Personal Injury Protection or uninsured/underinsured motorist coverage. Since these types of coverage pay for your damages in the event of an accident you should consider asking your insurance company about adding them to your policy.