Cheap Liability Auto Insurance

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Do I Need Insurance?

If you own a car, you need auto insurance. Car insurance helps provide financial protection for you, and your family if you're involved in an accident. It only takes is a few minutes to get a personalized car insurance quote with the best rates, discounts, and options available.

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Other Auto Insurance Coverages to Consider

Sometimes getting the best car insurance means adding extra coverage in order to get more protection or guard against unexpected out-of-pocket expenses.

Here are some other auto insurance types to consider.

  • Accident forgiveness keeps your car insurance rates from going up after an accident..
  • Gap insurance is designed to protect you if you owe more on your car than it is worth
    • If your car is totaled, the normal insurance payout for the vehicle could be much less than your balance. Gap insurance pays the difference.
  • New car replacement will pay to replace your car with a similar new car, rather than compensating you only for the depreciated value of your car. New car replacement coverage rules can vary among insurers for what qualifies as a “new” car so check the details.
  • Usage-based insurance has the potential to reduce your car insurance bill if you’re a good driver. This typically means you don't regularly hard brake, accelerate rapidly, drive in the wee hours of the morning, and other factors. Usage-based insurance programs use either an app on your phone or a device that plugs into your car to track your driving habits.
  • Vanishing deductibles reduce your deductible every time your policy renews. Normally, if you have a claim, your insurance check will be reduced by your chosen deductible. With a vanishing deductible your out of pocket deductible is reduced by as such as $100 every year you don’t make a claim.

Washington Accident News

 

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Why do you need car insurance?

Car insurance can help protect you from expensive, sometimes devastating surprises. Imagine you're in an accident, as an insured driver, you can get help paying medical bills, repairs, certain legal defense costs and more.

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Car Insurance Washington State

Car Insurance Washington State


Our agents help protect you on the road.

We are here to advise you on important coverage decisions, answer any questions, and help simplify your experience.

We can help:

  • Find available auto discounts
  • Adjust your coverage, at your request, as your life changes
  • Guide you through the auto claims process

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Why Do People Shop for New Car Insurance?

Shopping around for car insurance can result in savings, but many car owners rarely get price quotes from other insurance companies.

The three reasons people shop around:

  • Bad experience with a car insurance claim
  • Rate Increase
  • Current company doesn’t offer coverages wanted

Car Insurance
Cheap Car Insurance Washington State

Cheap Car Insurance Washington State


How Can I Find the Best Price on Car Insurance?

Once you decide how much car insurance you want, you can start shopping for the best policy. Rates can vary widely among companies for the exact same coverage, so be sure to get car insurance quotes from multiple insurers.

Here’s what you should do to find the cheapest car insurance.

  1. Shop around
  2. Ask about discounts
  3. Choose a higher deductible
  4. Ask about usage-based car insurance

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Personalized Coverages

Personalize your car insurance with the coverages you need.
We make it easy to customize your car insurance to fit your needs.

Required auto insurance coverages.
Liability Insurance pays for damages or injuries to other people and/or their property caused by an accident you're found at fault for.

Additional car insurance coverages.
Although Uninsured Motorist and Personal Injury Protection may not be required, they can provide you with an extra layer of protection. These coverages take care of damages to your car and/or injuries to you and your passengers.

We can help you pick what coverages you want.
We get it. Car insurance isn't the easiest thing to deal with. We're here to help answer any questions you may have.

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Frequently Asked Questions

The cheapest auto insurance policy you can purchase is liability coverage. This pays the damage you cause to someone else and is the minimum coverage Washington state allows. We always recommend more coverage but if you need to keep your insurance premium down, the choice is yours.

The cheapest insurance premium depends on a number of ‘responsibility’ factors and how much each company weights each factor.

  • If your driving history is clean, you have good credit, and you have carried higher liability limits for a number of years, Safeco or Progressive will most likely have the best rates for you.
  • If your driving record is clear but you don’t currently have an insurance policy or have just been carrying the state minimum, National General and Progressive will probably have the best rates for you.
  • If you have collected a couple of tickets or accidents, Dairyland or National General will probably have the best rates for you.
  • If you have had more than two accidents or are collecting tickets like they are Pokémon, then Kemper Specialty will have the best rate for you.

One of the advantages of working with an independent agent is we have multiple companies and can shop your insurance for you to get you the best rate possible.

The cheapest auto insurance policy you can purchase is liability coverage. This pays the damage you cause to someone else and is the minimum coverage Washington state allows. We always recommend more coverage but if you need to keep your insurance premium down, the choice is yours.