District of Columbia Insurance

District of Columbia Auto Insurance (DC)

The best way to save money on car insurance is to shop with Insurancelower.com. We provide you with an online marketplace where you can compare the best car insurance companies and their policies. Because you will have insurance companies competing over your business, you will be seeing tremendous savings on your District of Columbia car insurance. Our company is an online marketplace where you can comparison shop to help you find the best and most affordable car insurance policy for your needs.
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On average residents of District of Columbia paid $1,277in car insurance in 2003. The national average for the same year was $914. It is the common belief that car insurance rates are fixed by insurance companies and state regulatory agencies. However discount and competitive rates can be had in the state of District of Columbia. However, even though the District of Columbia's were paying less than the rest of the nation, this is still more than they should have paid.
It is the expectation that 2008 will see the first decrease in car insurance rates since 1999. There is to be a 5%-1% decrease in these rates from the year 2006. The change has been brought about through sites such as Insurancelower.com . These types of sites have done this, through technology, by bringing the competition right to the customer so you can get the best rates for your car insurance. The auto insurance rates change as years go by. By not knowing the rate changes in District of Columbia you may be paying more in auto insurance than you need to. In 2003 the average auto insurance premium was $1,277 and the increased 12.12% in 1999.

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MINIMUM STATE INSURANCE REQUIREMENTS

In terms of auto insurance there are some minimum state requirements for District of Columbia.
Like many states, District of Columbia follows a Tort system. This means a person has to be at fault in an accident and both the person and their insurance carrier are responsible for the damages stemming from the accident.
You should know that the Tort systems differs from state to state. You can visit Insurancelower.com's State Regulators web page for a list of links to all 50 state's insurance regulators websites.
District of Columbia requires you to have at a minimum Bodily Injury Liability coverage of $25,000per person and $50,000 per accident. You also have to have $10,000 worth of Property Damage Liability coverage. This is often called 25/50/10 coverage.

OTHER COVERAGES

There are also two types of additional coverage you can get with Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist coverage. Personal Injury Protection (PIP) coverage assists in paying "reasonable and necessary" medical expenses for you and your passengers in the event of an accident. Uninsured/Underinsured Motorist coverage will cover injuries by a driver that does not have insurance.
These are optional coverage options that you might want to purchase, although law does not require them.
These two types of coverage are optional and if you are interested in these types of additional coverage Insurancelower.com can help you find auto insurance companies in District of Columbia that offer these types of coverage.
It does not matter if you have a spotless driving record or are a high-risk driver Insurancelower.com will work hard to find you the best auto insurance rates possible in the great state of District of Columbia. With the auto insurance statistics dealing with things such as car theft and accidents it is important that you have the best coverage in order to protect both you and your property. Insurancelower.com is always improving their website and services they offer to make it the best place for you to find affordable auto insurance. To begin to save money on your auto insurance in District of Columbia just enter your zip code and discover how much money you can save!

If you are looking for insurance in another state, we can help you too. Simply enter your zip code above to see how much money you can save.
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