If you live in Washington State you need to have at minimum liability coverage on your vehicle. This is required by law. Beyond that you can pick and choose the type of coverage you actually need. This allows you to have some control over the cost of your own car insurance. The different types of coverage you may opt not to have, include:
Collision. This coverage is often recommended for late model vehicles. If you’ve got an older vehicle, consider not taking out collision coverage. Doing this will certainly help to lower your annual premiums.
Medical coverage. This coverage offers protection for any medical expenses or funeral expenses that may occur as a result of an accident. It’s a good idea to ask about different levels of coverage. If you lower the level of coverage or remove this altogether from your policy, you’ll probably enjoy a substantial savings.
Emergency roadside assistance. Many people have no idea that they are actually paying a portion of their premium to this coverage. If you don’t require roadside assistance or you have this benefit in place already from another source, have this removed.
Car rental. Some car insurance policies offer car rental coverage in the event your vehicle isn’t operable after an accident. Removing this option from your policy can save a bit of money as well.
It’s easy to see why it’s so important to review every small detail in your car insurance policy after receiving or renewing it. If there are options that you feel you don’t need, speak to your agent about having them removed. If this isn’t possible, consider shopping around for a policy that allows you to pick and choose the options you want. You’re the consumer so you shouldn’t be paying for things you don’t want or need.