Living in Spokane, WA, you really do need a car. Whether you’re actively looking for a new car or just dreaming, it never hurts to have a good plan to manage your auto insurance as well. One of the most common questions asked at Western Insurance Associates is, “How much coverage do I really need?” Here’s the definitive answer.<\/p>\n
State Minimums<\/strong><\/p>\n Washington, like other states, has rules for how little insurance you’re allowed to carry. It comes in five categories. The first is bodily injury liability, and you need to have $25,000 per person and $50,000 per accident. Next is property damage which has to total $10,000 in coverage. Underinsured motorist injury coverage will look familiar: $25,000 per person and $50,000 per accident. Underinsured property damage has the same limit as the other property damage liability ($10,000), but it is a different category. Lastly, basic personal injury protection has to meet a minimum of $10,000.<\/p>\n If your policy has these minimums, you’re good. The most common time people end up being underinsured is when they move to a new state, so always be mindful of that.<\/p>\n Sufficient Coverage<\/strong><\/p>\n Still, there’s a difference between legal compliance and sufficient coverage. A lot of people have answers to this old question, but it’s ultimately pretty simple. You need an insurance policy that covers enough for you to still be driving after a collision. If you’re a billionaire who can just replace any vehicle, state minimums are fine. If you’re not quite so affluent, you need to consider how much you can really afford to spend on a replacement vehicle. Make sure the insurance covers the rest.<\/p>\n Once you know how much insurance you need, the rest is a matter of finding ways to get the pricing right. There are plenty of tricks and tips to help you do that, and a chat with your Western Insurance Associates agent will get you started down that road. They’ve been serving the Spokane area long enough. They know how to help.<\/p>\n","protected":false},"excerpt":{"rendered":" Living in Spokane, WA, you really do need a car. Whether you’re actively looking for a new car or just dreaming, it never hurts to have a good plan to manage your auto insurance as well. One of the most common questions asked at Western Insurance Associates is, “How much coverage do I really need?” […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[9,10],"class_list":["post-10","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-spokane-wa","tag-western-insurance-associates"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10"}],"version-history":[{"count":1,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions"}],"predecessor-version":[{"id":11,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions\/11"}],"wp:attachment":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}