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What Raises The Rates Of Car Insurance In Washington
The premiums of car insurance in
Washington are largely determined by the state of Washington alone, however
there are some additional factors that can influence the individual premiums of
each licensed driver. This article will describe a few of the most common
situations known to raise the rates of car insurance in Washington.
- Driving Record. Drivers with multiple and/or recent (emphasis on recent) accidents and
moving violations will pay higher rates because statistics have shown they have
a propensity to have another accident or moving violation in the near future.
- Age. Drivers under the age of 30 tend to pay more for car insurance in Washington
because records show that drivers in this particular group are more likely to be
in or cause an accident. That's according to a comparison with older drivers.
- Gender. Under Washington law, car insurance companies can
adjust premiums based on the gender of a driver but only where there's actual
proof of a risk.
- Miles. The number of miles on a car can determine its
probability to be in or cause an accident as well. Generally, car with many
miles are considered low performing cars, and in the view of car insurance in
Washington, low performing cars are more expensive to cover.
- Marital Status. Statistics dictate that married drivers
are involved in fewer accidents than unmarried drivers. Therefore the rates of
car insurance in Washington are higher for singles or unmarried partners.
- Residence. Even the location at which a driver lives
could raise his or her rates of car insurance in Washington. Generally, the
rates of car insurance in Washington are higher in cities and lower in rural
areas. Bear in mind that this difference isn't biased, it's based on statistics
that show city environments cause more damage to cars (accidents, damage, and
theft) than in rural environments.
- Car Type. Newer and more expensive cars certainly raise
the rates of car insurance in Washington because they're more expensive to
repair or replace. The same goes for classic (antique) cars that have been
restored to their original and historic value.
- Claim Record. Similar to the damaging information on a
driver's record, a driver's claim record will drive the rates of car insurance
in Washington if it shows higher and/or multiple insurance claims.
- Credit Report. Even credit reports are used to determine
premiums for car insurance in Washington and they're applied based on
statistical facts that imply good insurance scores belong to good drivers. The
lower that score, the greater the tendency for a driver to file a lot of claims.
There are probably additional minor
factors that could drive up the premiums of car insurance in Washington, however
they're more than likely sub-factors of the ones outlined above and they're also
more than likely to be specific to the various companies that provide car
insurance in Washington.
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