Pin It
Favorite

Making Policies 

by Clint Burgess


Chances are, if you drive a car or any other sort of automobile, you probably have insurance. After all, it's the law, and abiding by the laws is in all of our best interests. As the financial demands of this thing called life go, chances are there have been times when law-abiding citizens have driven a vehicle without insurance. On a moral scale of one to 10, this falls on the low end, but on the end where the law enforcement authorities come into play, it ranks about $450 up the spectrum. (That's the price of a ticket for driving without insurance.) To avoid this hit in the pocketbook, insurance is the legal and safe way to stay on the right side of the line.


As is true with anything these days, insurance policies come in all shapes and sizes. Big ones, little ones, one for SUVs -- even ones for Mini Coopers. There is a company and a policy out there for everyone. Some of the major players in the insurance industry include Allstate, Geico and Safeco, but it's also common for local agencies to offer competitive prices as well as to gamble on high-risk drivers. This insurance, however, will come at a hefty price. In the vernacular of the insurance companies, a high-risk driver is someone who is too expensive to cover. Maybe it's a bunch of speeding tickets, a tendency to run into things or perhaps multiple unfortunate encounters with the law while operating a motor vehicle under the influence of controlled substances or alcohol.


Some of the finer points of insurance shopping include fitting the kind of coverage you need with the kind of coverage you can afford. More often than not, insurance carriers opt for liability coverage only and assume a meager amount of personal injury insurance. Some of these choices are dictated by economic circumstance and a hope that if an accident does occur, it won't be the fault of the lesser-insured individual. The flaw here is that there are those drivers who drive without insurance; you know, the ones who usually run into you. We've all seen the beat-up 1980s Datsun station wagon with its fender and bumper held on by an industrial piece of orange twine. While this may be the stereotypical uninsured motorist, they come in all sizes and packages, including those with very nice vehicles but a poor driving record hiding in the trunk.


In the age of technology -- yes, I love technology -- shopping for the necessary insurance doesn't have to be a headache. Geico, for instance, offers a comprehensive Web site for plugging in all the pertinent information, allowing customers to tailor policies to their needs. The best part is you get a quote right there, and as the commercials say, quotes from their competitors as well. All of this from the comfort of your computer and no annoying automated phone systems to deal with. Of course, if you need more questions answered, consulting with a live broker is a good way to go, too.


A few things to consider when putting your policy together are what kind of deductible you want to be stuck with, how much personal injury coverage you need and whether you want or need any of the extras, like motor club options that many insurance companies offer. A high deductible is no good, but it will lower your premium. Playing it safe with insurance is probably the best route. To be sure there are no misunderstandings -- and no $450 fines -- pick yours up today.





Publication date: 11/04/04

  • Pin It

Latest in News

  • In Their Best Interest
  • In Their Best Interest

    Why many neglected kids don't have legal representation for critical decisions that could dictate their future
    • Feb 23, 2017
  • 'Right Side of History'
  • 'Right Side of History'

    The Washington Supreme Court rules against Arlene's Flowers; plus, two dogs call it a day
    • Feb 23, 2017
  • Frozen Out
  • Frozen Out

    In the middle of a chaotic winter, the city of Spokane ousted its veteran street director, but won't give an explanation to the city council
    • Feb 23, 2017
  • More »

Readers also liked…

  • Patrolling While Black
  • Patrolling While Black

    Gordon Grant's nearly 30 years as a Spokane cop have been affected by race, but that's not the whole story
    • Jul 8, 2015
  • Extraordinary Ordination
  • Extraordinary Ordination

    Meet the first woman to be ordained as an Ecumenical Catholic priest in Spokane
    • Nov 19, 2015
  • Restarting Art
  • Restarting Art

    After four years of drought, Spokane City Council President Ben Stuckart hopes to start pumping funding back into the city's arts scene
    • Mar 10, 2016

Comments


Comments are closed.

Today | Sat | Sun | Mon | Tue | Wed | Thu
Ric Gendron: Salish Stories

Ric Gendron: Salish Stories @ Spokane Art School

Mondays-Fridays, 5-9 p.m. Continues through March 31

All of today's events | Staff Picks

More by Clint Burgess

  • The Word Made Fresh

    & & by Luke Baumgarten and Clint Burgess & & & r & It's gotta be tough to do publicity for Christian rock. The evangelical idea that the secular world is the devil's domain - that it's the fiery gauntlet you have to navigate to get your eternal reward - turns
    • Sep 21, 2005
  • Summer Adventure - NW Fishing

    Fishing is a way to absorb the natural surroundings of the region we call home, to commune with the spirits of generations gone before who dropped their lines the same way we do today. Besides, it's
    • Jul 13, 2005
  • Honda Gets Tough

    As a rule, certain car companies are known for specific models and typically excel at what they do within a specific type of vehicle. For example, Dodge is known for its trucks, Toyota for its sedans, Mazda for its sports cars and so fort
    • Jul 6, 2005
  • More »

Most Commented On

  • We Have Not Yet Begun to Fight

    Why we're filling the streets to protest Trump's inhumane, dangerous policies
    • Feb 2, 2017
  • Obscene Gestures

    Spokane political party leaders hope to harness post-election passion into civil discourse. But so far, there's only been more strife
    • Feb 9, 2017
  • More »

Top Tags in
News & Comment

briefs


green zone


marijuana


Comment


do something


Readers also liked…

  • Patrolling While Black
  • Patrolling While Black

    Gordon Grant's nearly 30 years as a Spokane cop have been affected by race, but that's not the whole story
    • Jul 8, 2015
  • On Notice
  • On Notice

    A proposed ordinance would give neighbors a heads-up about developments, but the Spokane Home Builders Association says it'll drive away builders
    • Sep 2, 2015
  • Seven Ways Drought is Impacting the Inland Northwest
  • Seven Ways Drought is Impacting the Inland Northwest

    No, it's not as bad as in California, but drought is taking a hefty toll
    • Jul 29, 2015

© 2017 Inlander
Website powered by Foundation