High Risk Driver Auto Insurance in Washington
Reader’s Question:
I have a poor if not a very bad driving record in Washington. Because of this, I am having a hard time finding a car insurance company that would insure me. I’ve tried shopping online but it gives me nothing. What can I do? I don’t wanna break the law and drive without car insurance. I’m desperate, and obviously considered by my insurance company a high risk driver.
John
Issaquah Plateau, WA
Don’t lose hope John. I had a difficult time looking for car insurance for myself also because I have a very poor driving record but I was able to get one. Now what you have to do is to first seek the help of a car insurance agent or broker in Washington. Because through them, you could get an assigned risk Auto Insurance Plan.
If you are wondering what this plan is, let me just give you a little background on it.
The Automobile Insurance Plan was developed more than half a century ago. It was solely created by the Washington State Legislature to help high-risk drivers who were not able to get auto insurance to get one. There are three criteria that should be met for a person to take advantage of this plan:
First, a resident of Washington or serving the U.S. Military;
Second, has a valid driver’s license from Washington;
Lastly, do not have any unpaid bills from former car insurance company.
Now, what are you waiting for? Contact your car insurance agent as soon as possible so you could finally purchase a car insurance policy.
Will Credit History Afffect My Auto Insurance Rate In Delaware
Reader’s Question:
My cousin told me that driving records, claim history or even credit history affects the rate of car insurance. He also told me that any negative change on those things would surely make my auto insurance premium to go up. That’s the reason why I’m keeping my best to maintain good driving record and credit history. Aside from the things I’ve mentioned are there other things that affect the auto insurance rate to go up in Delaware?
Owen
Greater Newark, DE
Well your cousin s right. The things you’ve mentioned do affect car insurance rates. I learned from my dad that adding another driver under your auto insurance policy will also increase your car insurance premium. This is because the more drivers you have under your policy, the higher the risk is to be involved in car accidents.
Also, if you change the vehicle being insured to something fancy or expensive that will also increase your car insurance rate. When my dad bought me an expensive car, the increase on his auto insurance rate is something I did not imagine.
And lastly, I remember, when I had my new expensive car, my dad added GAP insurance policy for that new car. By doing that, his auto insurance rate even becomes higher. So I guess it’s obvious that adding another insurance coverage would mean a change on your car insurance premium.
Those are just some factors I remember that caused an increase on my dad’s car insurance rate. You could always ask your car insurance agent in Delaware for other factors that will cause an increased on your car insurance rate.