Discount Insurance Quotes In Washington D. C. – DC
Shopping for discount insurance quotes in Washington D.C. can be improved when you understand all of the state laws. There is a minimum liability coverage required. Further, if you don’t have the proof of insurance, you could face a number of penalties. By making comparisons online, you can get affordable insurance without sacrificing coverage.
If you are found driving without insurance, the penalties you can face will vary. You will be charged a fine of $30 for not carrying proof of insurance. You will then be charged $150 for the first 30 days of lack of insurance. For each additional day that lapses past this period, you will be charged an additional $7.
You will be required to enter your zip code when getting an online quote. This zip code will tell the insurance companies that you are located in Washington D.C. As a result, all the quotes you get will adhere to the minimum liability coverage requirements. This is displayed in a format of 25/50/10. To be specific, you will need bodily injury coverage of $25,000 for 1 person and $50,000 for additional persons. You will also need $10,000 in coverage for damages to any kind of property.
The minimums can be exceeded for a number of reasons. If you have an auto loan, your lienholder may require higher levels of coverage. This is done to protect their financial interest. You may also choose to increase the coverage levels for your own financial protection. D.C. is a no fault state. If you want to protect yourself from paying too much after an accident, it’s in your best interest to increase the coverage at least a little bit.
When you shop for discount quotes online, you have the ability to manipulate the coverage. You can see how much of a difference it will be get 25/50/10 coverage versus 50/100/25 coverage as well as other variations designed to suit your needs. You may also wish to play with the deductible that you will pay on the accident. This is an out of pocket expense that is due to the insurance company after each accident before they pay for any repairs or bills.
Uninsured motorist coverage is also required on your policy. You will not have the ability to reject this coverage because it is required by Washington D.C. While this will increase your policy a little bit, it also provides you valuable protection in the event of being involved in an accident with a driver who has decided not to get auto insurance.
There are other types of insurance that you may wish to add to your policy. Comprehensive coverage is all of the non-driving related incidents that can occur. Hail, falling rocks, rogue shopping carts and hit and runs can be included under the comprehensive coverage. This is usually voluntary unless a lienholder requires the coverage.
Rental car coverage and roadside assistance may also be added to your policy. These can be added for a small amount of money. In fact, many companies will offer these at such a low rate that you may not even see the monthly impact. If you think you might need them or want them, go ahead and get a quote with them.
Online quotes can save you a lot of time. Instead of calling around to various insurance companies, you can get the quotes you need within minutes. The benefit of this is that you can get multiple quotes at once. Comparison shopping is critical to ensuring you get a good price on your monthly premium. If you go with the first company, you may also be paying the highest premium.
With dozens of insurance companies offering policies in Washington D.C., it will be easy to find the right premium for your needs. Make sure that you take the time to make side by side comparisons online. Only then can you rest easily knowing that you have the good coverage without overpaying.