Bellingham Automobile Insurance

Bellingham automobile insurance companies have coverage at affordable rates to fit tight budgets. Even if you are a driver who is pursuing a college degree, you can find a reliable Bellingham auto insurance policy that does not cost a fortune. As a college student, you probably don't have a lot of extra money after paying for your tuition, books, room, board and other necessary supplies. However, you do not have to cut corners when it comes to insuring your automobile in Bellingham. By using the free services offered by our website, you can compare insurance plans and find a licensed Bellingham car insurance professional to protect your car at an affordable Washington coverage price.

College students not only have busy school schedules, but extra-curricular and social activities as well. Often, they depend on their cars to get from place to place around campus and the surrounding areas. If you are a resident of Bellingham and a college student in Washington or in another state, you too probably depend on having reliable transportation. If so, you need to protect your automobile with dependable and affordable Bellingham auto insurance. As you search our site for agents in Bellingham, you will be able to find a reliable professional who will customize an automobile insurance policy that will protect you and your car throughout your college years.

Understanding Your Automobile Insurance Needs

As you decide on the best type of automobile insurance that fits your budget, it is easy to get confused about the coverage you need. Because you are watching every dollar, you do not want to purchase too much insurance. However, you want to make sure that you are adequately protected in the event of an automobile accident or damage caused by theft, nature or vandalism. First it is important to understand the liability coverage amounts that you are required to carry on your automobile policy.

In the state of Washington, it is mandatory that you carry at least $25,000 for bodily injury or death for one person, $50,000 for two, and $10,000 for property damage per accident. [1] These liability amounts cover the other driver in the event that you cause an accident. Though you are not required to have more coverage than these minimums in Bellingham costs associated with injuries or damages can add up quickly and exceed the state minimums.To protect yourself from a financial burden in the event of an accident, get your auto insurance proof information, after talking to your reliable Bellingham automobile insurance agent about the best coverage for you. Paying a bit more for extra coverage could save you from financial problems because of damages that exceed your coverage amounts if you cause an automobile accident.

Comprehensive and collision coverage protects and pays for damages done to your automobile if you are involved in an accident. You can save on these types of coverages by raising your deductibles. For example, carrying a $1,000 deductible instead of $250 or $500 could save you a significant amount of money on your premiums. Before you decide, estimate the value of your vehicle to be sure the comprehensive and collision coverages on your Bellingham vehicle insurance policy meet your needs. A good rule of thumb to follow is the higher the value of your automobile, the lower the deductibles should be.

Savings for WA College Students

There are many necessary expenses that you must pay for as a college student. If you are a driver, automobile insurance is one of them. However, there are ways that you can save on your premiums so that your Bellingham auto insurance policy fits easily into your budget as you work your way through your college courses.

College students can save money on their Bellingham plans if they have safe driving records. If you are a safe driver who has kept your WA license clean for the past several years, you may save a percentage on your premiums based on your good driving record. Having no tickets or accident on your record results in lower rates for insuring your vehicle.

If you are saving money by continuing to live at home while you go to college, you may also be able to save by insuring your car on your family's policy. Talk to your parents about receiving quotes for coverage from agents in Bellingham that combine drivers in your home. Multiple cars on one WA policy can result in savings, especially for drivers with safe records.

Another way that you can save on your Bellingham automobile insurance is by getting good grades. Many providers will give discounts to students with grade point averages of 3.0 or higher. This is yet another motivating factor for you to study hard and excel in your college classes. Bellingham automobile insurance providers will reward you with savings for your hard work.

http://www.dol.wa.gov/driverslicense/insurance.html 8/16/2011


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