The real reason your Washington car insurance rates went up and what to do about it!

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Every morning I come into the office, check voicemail, answer a few emails, drink my jade citrus mint tea, and review my client’s upcoming renewal policies. Most days I only have a handful of policies to be reviewed, but today was an exception. Today I had forty five policies to review, and every single one had a premium increase. Some more than others, but in most cases – the increase was substantial to their Washington car insurance rate. One of those policies was my own, and the increase was over $500 a year.

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My car is getting older so why do my auto insurance rates keep increasing?

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At Sound Pacific Insurance, we get this question all the time, so of course, I wanted to address it here for all of our readers.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

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Will my insurance premium decrease if my credit improves?

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I was recently asked this question by one of our Sound Pacific Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

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