District Of Columbia Auto Insurance Quotes
If you're shopping for District of Columbia auto insurance, you need accurate information and price quotes to help you get the best policy. You're in the right place. Here, you'll find updated information on the insurance requirements for the District of Columbia and you have access to price quotes from several insurance carriers authorized to do business in Washington, D.C. Keep this information in mind as you search for an auto insurance carrier so that you can find the best policy for your vehicle.
Shopping for auto insurance policies is a tricky thing and you will need to spend some time if you have to get the right coverage as well as the right levels of coverage as well. If you are planning to shop for auto insurance policies in the District of Columbia, the best thing to do would be to shop for auto insurance policies online. By shopping online you can be assured of getting some of the best deals from the major insurance providers. When you shop for insurance online, the insurance carrier can afford to give you discounts on your premium as you will be going through them directly and not through any insurance agent. There are a number of websites that can help you get multiple quotes within a few minutes. Once you have access to these quotes, you can do a comparison of quotes and then decide on the one which suits you the best.
There is one thing that you should bear in mind while applying for quotes. The information you provide while trying to obtain quotes must be accurate. If the information provided is inaccurate, the quotes you get will also be inaccurate. Most of these websites carry updated information on the basic auto insurance requirements in the District of Columbia and you can easily access price quotes from various insurance providers who are licensed to conduct business in Washington D.C. If you spend some time shopping, you can be assured of getting the best coverage for your vehicle.
Although, the Federal Government lays down the rules for auto insurance, it is the Insurance Commissioner in each state who fixes the minimum required for each individual state. Each state has a certain level of auto insurance coverage that is mandatory. However, this mandatory coverage varies from one state to another. In the District of Columbia, all drivers are required to maintain liability coverage on their vehicles if they have to drive around legally. The minimum liability coverage is $25,000 for bodily injury per person in one accident, $50,000 for bodily injuries in more than one person in one accident, and $10,000 for damage to property liability.
Normally, uninsured or underinsured motorist coverage is not mandatory in most states. However, in the District of Columbia, motorists are expected to purchase the uninsured motorist coverage, which will offer coverage in case you are involved in an accident where the driver at fault is uninsured. Under this coverage the policy minimums are $25,000 per person involved in the accident, $50,000 for bodily injuries per accident, and $5,000 for damage to property that may have been caused by the uninsured or underinsured driver.
If you raise your deductibles the premiums will come down. So, the higher the deductibles the lesser would be the premiums. Damage to property coverage is subject to a deductible of $200.
Different states follow different systems of auto insurance. The District of Columbia follows the tort system while determining who would be responsible for paying up the expenses following an accident. There are 12 states including Puerto Rico that follow the no-fault system of auto insurance. Under this system, the insurance providers will have to provide coverage for the insured driver even if he/she was not responsible for causing the accident. The driver who caused the accident or the driver at fault will be made to pay for the damages caused to the opposite party. The driver at fault may also be sued for causing pain and suffering as well as loss of wages.
Carrying proof of insurance at all times is mandatory in the District of Columbia. This proof of insurance must be presented to the law enforcement officers on demand. When you obtain an auto insurance policy, the insurance carrier will provide you the proof of insurance. the proof of insurance will contain all the relevant details regarding your policy such as the name of the insurance provider, name of the policy holder, policy number, as well as the period of coverage etc. In case the motorist is not carrying the proof of insurance at that point in time, a fine of $30 would be levied. This fine is applicable to all drivers who fail to provide proof of insurance, irrespective of whether their vehicles are registered or not.
In case the necessary insurance coverage has not been maintained continuously, then the registration tags as well as the reciprocity sticker would be suspended. If there is a lapse in auto insurance coverage for a period of up to 30 days, then a fine of $150 would be imposed, and an additional $7 for each day thereafter. So, it is important to keep track of the term of the policy and ensure that the policy does not lapse. For each day that your vehicle remains uninsured you would be paying an additional fine of $7 per day. If you ensure that you maintain the necessary auto insurance coverage, your vehicle registration will remain in good standing and you can avoid paying up all these unnecessary penalties.
Auto insurance is something that is a basic necessity and every motorist should obtain the right amount of coverage. A minimum amount of coverage is mandatory in all states, but that is insufficient. If you purchase a brand new vehicle, it is quite obvious that the minimum coverage will not be sufficient. Hence, you will need extra coverage in order to be able to sustain the losses in the event of an accident. so, contact your insurance provider or your licensed insurance agent and avail further details regarding the coverage you need and the levels of coverage etc.
Before you decide to obtain online quotes you should know some of the auto insurance basics. You should also be aware of the laws that prevail in the District of Columbia. After you get hold of these details, you may apply for multiple quotes online. Once you obtain the quotes you should compare quotes and then decide on the policy you wish to purchase. Shopping around for the right coverage is very essential.
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