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.
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.
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.
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.
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:
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.
An insurance policy is more than just car insurance. It's personalized help from agents who help keep you driving forward. Get a car insurance quote and begin saving on your insurance needs.
Coverage & PoliciesAsk us about all the different ways we can help protect your car.
DiscountsLearn how you can save on car insurance by asking for discounts.
ClaimsGet helpful information about filing an auto claim from your insurance agent.
The cheapest insurance premium depends on a number of ‘responsibility’ factors and how much each company weights each factor.
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.
How to Get the Cheapest Car Insurance Rates Possible:
Sometimes the cheapest price is not the best price. Are you getting the coverage you need? Does the policy have limits and exclusions that are acceptable to you? A simple way for an insurance company to have low rates is to fight every claim. Pick a company with a good reputation and not a company whose only advertising is about saving you 15% or saving those who switch some fake dollar amount – you know it is a lie. They know it works.
If you are simply looking for the lowest insurance premium you have a number of options: