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Spokane Car Insurance and Traffic Laws

Written by Michele Wilmonen. Posted in Research Last Updated: 07/20/2014

Keep Your Spokane Car Insurance Down by Keeping Traffic Laws in Mind

spokane car insurance

Keep your Spokane car insurance rates beautiful by following traffic laws.

Nothing will raise your Spokane car insurance rates faster than racking up traffic violations on your motor vehicle report. The more violation points you get, the less your insurance company trusts your driving ability. This means that you have just given them the perfect (and legal) excuse to jack up your insurance rates.

Your best course of action is to keep your driving record clean, and for Spokane drivers here are a couple traffic violations to be aware of.

Red Light Means Stop

Spokane drivers are notorious for running red lights. This is a very dangerous driving practice which will not only earn you a traffic ticket and higher insurance rates; it is also a prime way to cause a very serious car accident.

So once that traffic signal turns yellow, slow down and prepare to stop for the upcoming red.  That yellow light is not there to give you a second chance to get through the intersection.

We aren’t all NASCAR drivers

In addition to running red lights, speeding is the next easiest way for Spokane divers to find themselves with higher car insurance rates. Getting to your destination a minute or two faster by driving over the speed limit cannot be possibly worth the fine you will have to pay for your traffic ticket, as well as the three years of elevated car insurance premiums that you will have to endure.

So keep it around the speed limit to keep that extra money in your wallet where it should be.

Spokane Car Insurance Laws

Spokane car insurance laws are created by the State of Washington, so they are the same whether you are in Spokane or Seattle. To be able to drive you have to have no less than the following coverages:

  • $25,000 for injuries or death to another person
  • $50,000 for injuries or death to all other people
  • $10,000 for damage to another person’s property

Without these coverages you are subject to traffic fines, higher insurance premiums once you do get Spokane car insurance and three fun-filled years of having to pay even more for your car insurance thanks to the SR-22 filing that you will now have to have.

So as you can see, keeping your Spokane car insurance rates where you can afford them is as easy as following the most basic of traffic laws.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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