Find out how much Progressive DUI insurance rates Washington are after DUI/DWI conviction. If you have a DUI on your record, chances are you will never find a lower rate in WA than Progressive.
Progressive Insurance Cost In WA After DUI
When you have had a DUI or DWI in WA there are some challenges and issues that crop up when you try to get insurance coverage. One of the biggest insurance providers out there is Progressive, and with all of the television and radio commercials they do, many people who have a DUI in their past history may want to get a quote from them.
But does Progressive provide WA auto insurance for those who have had a DUI, and if so, what sort of restrictions are there? We will cover everything that you need to know about Progressive DUI insurance rates Washington below, as well as discuss pricing and options.
Does Progressive Offer DUI-Friendly Insurance?
You can definitely get DUI friendly insurance from Progressive if you know where to look. However, there are going to be some restrictions. Progressive says that if you have a DUI in your driving record, it is very likely that your insurance premium will be increased. Of course, Progressive is not the only insurance company with that policy. People who have a history of driving under the influence are considered a higher risk than those who have not been caught doing it.
Just like with any other driving violation, Progressive looks at your driving record to discover what your history looks like. If you have a DUI on your record, it is going to have an effect. You are also going to see your premium be affected if you have other driving violations such a speeding, running stop signs or any driving behavior that is considered unsafe. Progressive DUI insurance rates Washington are still less than most other companies.
If you only have a couple of tickets over a long period of time, your insurance premium may not increase at all, or only by very little. However, that is not going to be the case with a DUI. if you have a WA DUI on your record, then it is almost a certainty that your rates are going to be higher. The nice thing is that Progressive will insure you if you have had a DUI or DWI. That is not the case with every insurance company. There are quite a few of them out there that will not insure you at all if you have a driving-under-the-influence conviction on your record. Even though you may have to pay more for Progressive DUI insurance rates Washington, at least you are able to get insurance and keep driving your vehicle, as long as your state allows it.
One thing that you should be aware of is that you may have to go with high risk insurance called SR-22. SR-22 insurance is a type of insurance that the state requires when you have a risky driving history. This is not usually a determination made by the insurance company. It is usually a decision that is made by the courts, or by the policies of the Department of Motor Vehicles. How long you have to carry SR-22 insurance varies depending upon the policies of WA. It may also be based on the circumstances surrounding your conviction.
You do want to be aware that with one DUI conviction, you can still get insurance, even if you have to pay a little more for Progressive DUI insurance rates Washington. However, if you get more than one DUI/DWI conviction than you may have a very difficult time getting insured by anyone. An accident can cost an insurance company a great deal of money, not to mention the risk to injury potential injury to other drivers involved. The way that insurance companies make money is by betting that you aren't going to have an accident. If you have two or more DUI convictions, then you have established a pattern and you will probably be uninsurable until you take drastic steps to correct the problem.
Progressive DUI Insurance Rates Washington - The Bottom Line
We hope this article on how much Progressive DUI insurance rates Washington are after a DUI or DWI has been informative. The bottom line here is the Progressive is a fair insurance company that will give you the best rate possible even if you have had a DUI in the past. Plus, once you have recovered from that incident and you can show that it isn't going to happen again, and then it's very likely that Progressive will go ahead and lower your rate and get you back to what you were paying before. When that happens, you won't have to worry about the DUI affecting your rate again.
EK Insurance is a licensed & appointed with Washington Progressive Agent, and can get you DUI or DWI insurance quotes.
WA DUI Insurance Quotes
Request a Washington DUI Insurance quote in Auburn, Bainbridge Island, Bellevue, Bellingham, Bothell, Bremerton, Burien, Camas, Des Moines, Edmonds, Everett, Federal Way, Issaquah, Kenmore, Kennewick, Kent, Kirkland, Lacey, Lake Stevens, Lakewood, Longview, Lynnwood, Maple Valley, Marysville, Mercer Island, Moses Lake, Mount Vernon, Mountlake Terrace, Mukilteo, Oak Harbor, Olympia, Pasco, Port Angeles, Pullman, Puyallup, Redmond, Renton, Richland, Sammamish, SeaTac, Seattle, Shoreline, Spokane Valley, Spokane, Tacoma, Tukwila, University Place, Vancouver, Walla Walla, Wenatchee, Yakima and all other cities in WA.
Washington Insurance Rules & Regulations
In Washington State, there are certain types of insurance that you should be aware of. We will be covering the limits and regulations of insurance within the state. You should be aware of these because if you operate a business, there may be certain types of insurance that you are required to carry. In addition, even if you do not have a business, there may be certain types of insurance regulations that you should familiarize yourself with. We will be taking a close look at insurance regulations for both personal and commercial here.
WA Commercial Insurance
For business liability insurance, what you should be aware of is that Washington does not require businesses to carry business liability insurance in order to operate. Washington is a pure comparative fault state which means that an insurance adjuster must first assess fault and name the adjuster or a court will reduce the award proportionate to the fault of the plaintiff. Businesses may carry business liability insurance in order to protect themselves against these types of claims.
However, Washington does require anyone who employs at least one person full-time or part-time to carry Worker's Compensation insurance to protect them if they are injured on the job. Washington does not require any type of disability insurance for businesses nor do they require commercial vehicles to carry commercial auto insurance.
Washington Personal Insurance
There are two types of personal insurance that you should be aware of. The first is auto insurance requirements. In Washington State, you are required to carry $25,000 per person and $50,000 per accident in bodily injury coverage. You are also required to carry $10,000 in property damage as well as uninsured/underinsured bodily coverage of $25,000 per person and $50,000 per accident.
There are two life insurance regulations to be aware of in Washington State. First, be aware that there is no free look period like there is in most states. If you sign up for life insurance, you are not able to cancel within 10 days in order to get a refund on your policy premium. However, there is a law that requires timely payment on insurance claims in the state of Washington. In fact, the state requires that the beneficiaries account start accruing interest on the day of death. That means that insurance companies will have to pay more for each day that they fail to pay the benefit. There is also a misrepresentation law when it comes to life insurance in Washington.
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