Alice Yao - AYAO Insurance
12700 NE 124th St #9, Kirkland, WA 98034
Average time to process a quote may take anywhere between 15 to 30 minutes. In most situations, your insurance agent will be able to go over details of your coverages and different options available within an hour of the initial phone call.
Like many states, Washington State requires you to include your spouse’s information if you are married and live with your spouse. However, if you and your spouse reside in separate addresses, this information can be indicated on the quote application to reflect the risk exposure.
Above factors are all essential for insurance companies to provide an accurate quote. If there have been incidents including claims or moving violations within the last three years, you will likely see a surcharge included in your auto insurance quote.
Read more: Factors That Affect Car Insurance Rates.
It is important to be aware of your state's insurance regulations and guidelines such as the minimum auto insurance coverage limit requirement.
In Washington State, the minimum auto liability limits required by law are:
In addition, there are two specific coverages that a licensed insurance professional is required to offer to customers: uninsured/underinsured motorist and personal injury protection coverages. Customers can choose to opt-out of these two coverages by signing the required waiver form.
Keep in mind that every insurance company has its own protocols around quote inquiries and presentations. Be sure to ask your insurance agent for a comprehensive review of your coverages to ensure you are properly and adequately covered.