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Best Cheap Auto Insurance in Washington 20009

Looking for cheap auto insurance in Washington, D.C.? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

As the capital of the United States, Washington, D.C., is the only U.S. city that is not a part of a state. The District, as it’s known locally, is home to the government of the United States, national museums, monuments, foreign embassies and organizations, nonprofits, lobbying groups, and professional associations.

First inhabited by Piscataway tribes, the region was selected by President Washington to serve as the nation’s capital in 1790. This was written into the Constitution of the United States.

The location was also a compromise between Alexander Hamilton and Thomas Jefferson for both the northern and southern state’s various interests.

In 1790, both Maryland and Virginia ceded land to create the District. Later, the land given by Virginia was returned to the state and today comprises Arlington County, Virginia. Pierre Charles L’Enfant designed the District’s initial layout.

D.C. was destroyed during the War of 1812, including the White House, Capitol and Library of Congress.

The city remained a small population until the Civil War when slaves were emancipated. During the later half of the 1800s, neighborhoods were developed, including Georgetown, Dupont Circle and Capitol Hill.

The McMillan Plan in 1901 led to the redesign and expansion of the National Mall. Today, the city remains vibrant and culturally diverse.

Top Washington, D.C. attractions include: Lincoln Memorial, The White House and the Washington Monument, National World War II Memorial, U.S. Capitol and Library of Congress, National Gallery of Art, Smithsonian National Museum of Natural History, Tidal Basin and National Archives Museum.

D.C. is one of 13 U.S. cities to have a professional sports team from all four major sports organizations. These include the Redskins (NFL), Nationals (MLB), Wizards (NBA) and Capitals (NHL). These teams combined have won 10 professional league championships.

Insurance Discounts in Washington, D.C.

In the D.C., you may be eligible for an auto insurance discount for taking a defensive driving course. Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in Washington, D.C.

D.C. is classified a humid subtropical climate. The annual high temperature is 64.8 degrees and the annual low temperature is 46.6 degrees. Summers are hot and humid while the winters are mild with light snowfall. Severe weather during the summer includes thunderstorms, some tornadoes, and possible hurricanes or remains of hurricanes traveling up the coast.

Because of its growing population, D.C. is the 6th most car-clogged city in the nation. Be sure to check both weather and traffic reports before traveling.

Crime Statistics

According to the 2015 Crime in the United States report, Washington, D.C. had 31,435 accounts of property crime and 3,264 accounts of vehicle theft.

Washington, D.C., Driver’s License

As a legal resident of the District, you’ll need to obtain a District of Columbia driver’s license. Those with a valid out-of-state license will be required to pay an application fee and will need to pass a vision exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of D.C. residency and proof of your Social Security number.

Seat Belt Laws

In the District of Columbia, driver and passengers 16 and older must be wearing a seat belt while in the vehicle. There is a $50 fine for not having your seat belt properly buckled at all times.

D.C. law requires that any child up to 16 years of age must be in a properly installed child safety seat or restrained in a seat belt. Children under 8 must be properly seated in an installed infant, convertible (toddler) or booster child seat.

Cell Phone & Texting Laws

Since 2004, it is illegal for drivers to use a cell phone or other electronic devices while driving in the District.

Texting while driving is also illegal.

Odd Law

In D.C., it is illegal to walk around in public if you have a common cold.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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