Rate Digest Helps Consumers Get Cheap Insurance While Observing State Insurance Mandates

(PRWEB) February 02, 2013

With State laws constantly changing insured motorists might find their insurance premiums slowly creeping up which may land them at a much higher annual premium then they were originally quoted. Rate Digest provides consumers with an easy to use comparison tool that gets consumers a cheap car insurance quote with trusted big brand insurance names while still falling within State laws for car insurance premiums. Consumers can get an easy quote comparison here.

According to an article written in 2011 by USA Today 1 in 7 motorists are uninsured. In the state of Washington the number of uninsured is approximately 16% according to 2009 data from the Insurance Research Council. Compared to New Mexico’s 26% uninsured rate (The highest uninsured rate in the country the year the survey was conducted) it is relatively low but still alarming.

As in most states, car insurance is required in Washington state with mandated minimums. The insurance commission’s minimums ensure that losses to property and people will be adequately if not minimally covered in the event of vehicle accidents. Typically, carrying the minimums results in cheap car insurance that will keep motorists out of trouble with the law. In Washington state there is a minimum $ 450 fine for not carrying adequate car insurance coverage. Most will opt to go for cheap car insurance over paying these heft fines which could equal a year’s worth of car insurance premiums.

Because most states suffer from 10% or more uninsured drivers, the average motorist carries uninsured motorist coverage. This coverage ensures that the driver who is in an accident with an uninsured motorist will have coverage through their own carrier. But this also contributes to the increased cost of car insurance as insured motorists end up paying for the mistakes of the uninsured. Get a Cheap Car Insurance Quote

Auto insurance is required in every state except New Hampshire but it doesn’t seem to deter those who would rather avoid paying their fair share to cover potential losses from automobile accidents. Those who refuse to carry auto insurance are sometimes those who would have to pay higher premiums as a result of poor driving histories. As Loretta Worters, vice president of the Insurance Information Institute states

“Laws in most states have proven ineffective in reducing the numbers of drivers who are uninsured,” Worters says. “Some drivers can’t afford insurance, and some drivers with surcharges for accidents or serious traffic violations don’t want to pay the high premiums that result from a poor driving record. It is costly to track down violators of compulsory insurance laws, and unless the odds of getting caught are high and the penalties severe, drivers will continue to flout the law.”

Most Washington state motorists would vigorously agree that every driver should have, at the very least, cheap auto insurance that includes state minimums verses putting others at risk and driving up car insurance costs by making it necessary for everyone to carry uninsured motorist coverage. Motorist can get a cheap car insurance comparison here.

About Rate Digest

Rate Digest provides car insurance comparisons to people looking for a different provider or looking to verify their current insurance premiums is being offered to them at a good rate. Theyve helped thousands of car owners lower their insurance by up to $ 450 or more through their online system. Comparisons are safe & secure and only take a few minutes to complete.

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