Cheap Car Insurance in Bremerton, WA

Bremerton residents pay an average monthly liability-only premium of $40 and an average full coverage premium of $80. That’s much lower than the national average of $52 and $168, respectively.

What Does It Mean If Washington Is At-Fault?

Washington is an at-fault state, which means that the insurance companies of at-fault drivers are responsible for paying the cost of damages and injuries incurred by other parties.

To determine fault in Washington, law enforcement personnel, drivers, insurance providers, and third parties consider the following:

• Police Report. Police reports serve as the official documentation of the scene. They contain all accident details, including witness statements and the officer’s assessment, which insurers use to determine fault or a percentage of fault.
• Expert Analysis. Occasionally, accident reconstruction efforts and engineers employed by insurance companies examine all accident details. They apply science to recreate the accident as closely as possible, using physics and engineering principles.
• Witness Testimony. Statements from eyewitnesses can be obtained, which insurance companies and law enforcement personnel use to support or reject a driver’s claim of fault (or lack thereof).

All Washington drivers must carry the following minimums:

• Bodily Injury or Death for One Person: $25,000
• Bodily Injury or Death for Multiple People: $50,000
• Property Damage Per Accident: $10,000

These limits are low. A single multi-vehicle accident could cause hundreds of thousands of dollars in bodily injury and property damage, forcing you to go out of pocket to pay the difference. The higher the liability limits you carry (e.g., 100/300/100), the greater your peace of mind with virtually any problematic road scenario.

Penalties for driving without insurance in Washington are pretty severe:

• $25 mandatory fee
• First-time offenders with no coverage will face a minimum fine of $550 and required filing of an SR-22 if they cause an accident.
• Second-time offenders with no coverage will face a minimum fine of $550, required filing of an SR-22, and community restitution.
• Any citations could be dismissed if you provide proof of insurance before the first court date.

Remember, all Washington drivers must carry a minimum 25/50/10 policy.

There are many factors auto insurance companies use to determine what you pay in premiums. Everything from your age and gender to vehicle make and model are considered.

Here are only seven of the factors:

• Age
• Gender
• Selected coverages
• Credit score (not all states)
• Vehicle make and model
• Zip code of residence
• Deductible amount

If you have any questions about how your premiums are calculated, discuss it with your provider.

Be mindful of the following Washington state laws to reduce your chances of filing a claim and spoiling your clean driving record:

• Speed Limits. All Washington drivers must adhere to posted speed limits, which can change depending on your road type.
• Cellphone Use. Forget about using your cellphone while driving in Washington. Texting and holding a phone to your ear will result in an immediate fine by law enforcement personnel. Instead, use hands-free devices or your Bluetooth connection.
• Driving Under the Influence (DUI). If you are a Washington driver caught with a blood alcohol concentration (BAC) level of 0.08% or higher, expect immediate driver’s license and registration suspension, heavy fines, and even jail time, depending on the severity of the offense.

To keep your premiums low, do not even think of going over the speed limit, driving while texting, or driving after a beer or two.