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Yes, state law sets the minimum amount of auto insurance coverages but you may want more. We can help you find the coverages you want at a price you can afford. We try to make it easy for you to customize your car insurance.
Required auto insurance coverages.
These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.
Washington state only requires:
The amount of protection for these coverages can be increased above state minimums. You may want to consider the kind of cars you typically see around town. If you're in an area where people drive expensive cars, do you have enough coverage to fix or replace one (or more) of them if you cause an accident?
Additional car insurance coverages.
Although not required by the state, these coverages provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you:
Would you be able to pay to repair or replace your vehicle if it's damaged from an accident? If someone in your car was hurt in an accident, do you want your car insurance to help pay the medical bills?
Extra car insurance coverages
These cover expenses that may not break the bank if you had to pay them out of pocket but are nice to have.
If your car is in the shop for 3 weeks after a covered accident, would you need a rental car? At $40 or $50 a day that expense can add up fast.
The best car insurance is the one that has the coverage you want at a price you can afford. Some drivers might want the most basic Washington car insurance, others might want more coverage, and still others might be looking for an auto insurance company they know they can trust. Let us help you customize your Washington car insurance.
To accurately compare auto quotes across insurers, you'll want to select the same set of coverages, limits and deductibles for each quote.
Choose your coverage
Consider your state's requirements and any specific coverage types you might want, like collision or comprehensive.
Consider your limits
Think about your personal needs as well as state laws when choosing your coverage limits.
Select your deductible
Coverage can come with a deductible, or the amount you'll pay toward a claim.
Washington state only requires Liability insurance. Car liability insurance pays for injuries and property damage you cause to others. A good rule of thumb is to buy enough liability insurance to cover what can be taken from you in a lawsuit.
Uninsured Motorist coverage (UM) is mandatory in some states but optional in Washington. Uninsured motorist insurance pays for you and your passengers’ medical bills and other expenses if someone crashes into you and they don’t have enough (or any) liability insurance.
Personal Injury Protection (PIP) is also equired in some states but not in Washington. This coverage will cover injury claims for you and your passengers up to the limits you chose.
Collision and Comprehensive insurance is usually required by the bank if you have a car loan or lease. They are two separate coverage types often sold together. Collision and comprehensive insurance pay for your vehicle repair bills due to problems such as car accidents, car theft, fires, floods, severe weather, falling objects, vandalism and collisions with animals.
Your auto insurance cost will depend on many different factors including the coverage you choose, your age, where you live, and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Let us help you find the coverage you want at a price you can afford.
Get a free quote to see how much you could save.
In Washington, it’s against the law to drive without insurance . Washington drivers are required to have at least the following minimum car insurance coverage:
Depending on your budget and your needs, you might want to consider carrying higher limits of liability and other coverages such as Uninsured Motorist and Personal Injury Protection medical. We’ll help you customize your Washington car insurance to get the coverage you want at a price you can afford.
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.
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.