It is very easy for a company to have a lower price if they are offering less coverage or are not including the same tickets and accidents than everyone else. Make sure you’re getting an accurate comparison. Select the same set of coverages, limits, and deductibles and the same driving record for each quote you get.

you’ve received several car insurance quotes with the same coverages, factor in the helpfulness of the agent you spoke to in explaining and suggesting coverages and check the agency’s Google Reviews to make sure they meet your standards. Also decide if you want shop local with an agent that lives here in the Pacific Northwest like you do or if you are ok with a “cubicle agent” out of who-knows-where that works for one of the big 800# companies. Now you are ready to select the agency that is the best match for you.

You can get car insurance even if you don’t have a driver’s license. Someone may wonder why you would want to but there are a number of legitimate reasons you might want to, all having to do with protecting you and your assets.

• Your license is suspended, you probably want to get insurance and an SR22 filing so you can get your license back.
• You have a foreign drivers license and are visiting the United States.
• You don’t drive for health reasons but own a car and family members or a caregiver drive for you.
• You have a teenager who wants to drive but you have to buy the car in your name since they are underage.
• You’re trying to get your license and need to practice with your learner’s permit before taking the driving test.

In all these situations and more, we can help you get insurance even if don’t have a driver’s license. You are not legally required to have a driver’s license in order to purchase car insurance but most of the big-name insurers, like GEICO, State Farm, American Family, and Allstate, will not insure you without a driver’s license. Also, some agents may not be familiar with how and why it can be done or may just not want to bother and therefore will brush you off with a quick ‘no’. Let us help. We know our stuff.

Bare minimum liability coverage is rarely advisable but it’s better than no insurance at all, especially if you can’t afford more. The average cost of just liability insurance for most people is less than $50 per month and it also removes the worry of getting pulled over by law enforcement. If you have no savings or assets, minimum liability coverage may suffice but would not be enough to pay for serious injuries or to repair/replace a newer car. Without sufficient insurance, your future wages may be garnished to cover the damage you cause. If you are only carrying the state-required $10,000 property damage and hit a car worth $20,000, the insurance company will pay the $10,000 and you will be responsible for the remainder. Basically, you are self-insuring for anything over the insurance limits you have chosen to purchase. If you don’t want to have your wages garnished or your assets sold, seriously consider buying higher limits of liability.