Do I Need Insurance To Drive My Parents Car?

Do I Need Insurance To Drive My Parents Car?

We all want to save money without compromising on quality. There are plenty of insurance companies that can quickly design insurance quote that meets your needs and meet your budget. Affordable car insurance in Seattle is mandatory. Car insurance secures you financially with you meet an accident, cover liability costs, medical bills, and legal fees. However, every state’s laws have a set minimum required for car insurance coverage.

Before deciding on a policy, it is important to know the coverages required in your state affordable car insurance provides.

Do I Need Insurance To Drive My Parents Car? : Coverages You and You Parents Get

  • Bankrate shows, Bodily injury coverage (Limit: $25,000 per person, $50,000 per accident)
  • Property damage liability (Limit: $10,000)
  • Underinsured motorist property damage coverage (Limit: $10,000 per accident)
  • Underinsured motorist bodily injury coverage (Limit: $25,000 per person, $50,000 per accident)
  • Personal injury protection (Limit: $10,000 per accident)

Also, you can find an agent to make you understand the coverages in more detail. They will also guide you to get answer for Do I Need Insurance Before Buying A Car?.

do i need insurance to drive my parents car

How You Can Lower Car Insurance Premiums?

There a list of factors that insurers take into account before quoting you are price. Some of these key factors that determine your premiums and can be controlled by you are:

  • Type of car you drive: the price and the style of automobile you drive will highly impact your premium rates. If the car you drive is the latest model and expensive, you will likely be paying a higher premium. The age of your care matters as well, older cars are cheaper to insure.
  • Coverages you select: If the car you drive is older and has high mileage, consider dropping collision or comprehensive coverage to keep your premiums low.
  • Deductible: As in anyone insurance policy, higher deductibles will significantly make your car insurance affordable in Seattle or in any state. However, it means more out-of-pocket expense in case of accidents.
  • Where you keep your car: Rates are also affected by the area you live in and park your car. If you live in an area with a high crime rate and park it outside your home, this increases the chances of vandalism and theft. Therefore, the insurer will quote you with higher premium.
  • The number of drivers on your policy: Adding people to your policy will increase your rate, as it increases the possibility of accidents. Adding a teenager can drastically increase premiums as they are more prone to accidents.
  • Driving record: If you have a clean driving record you will not be paying as much as premiums as opposed to someone with a poor driving record.
  • Asking for discounts: You can always ask for discounts, insurance companies have different offers for drivers.

However, finding affordable car insurance with correct coverages might be tricky, get quotes from multiple insurance companies in Seattle, Washington before settling.

Furthermore, contact our insurance brokerage firm to get information about insurance policies from our insurance agent and insurance broker. They will guide you through all the necessary steps also providing information on cyber insurance to protect you from cyber extortions. 

affordable car insurance
affordable car insurance