We are here to advise you on important coverage decisions, answer any questions, and help simplify your experience.
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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:
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.
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.
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.
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.
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.
Car insurance can be expensive, so you may ask yourself if you really need it. Washington state law does require you carry a minimum amount of liability insurance for a reason. And, believe it or not, it is not to make insurance companies rich. But is insurance really necessary?
According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic crashes occurred and 3,144,000 people were injured in those accidents and 37,461 people were killed, an average of 102 people each day, one fatality every 14 minutes.
Another word for “liable” is “responsible.” So, if you are responsible for an accident, you need responsibility insurance aka liability insurance in order to provide financial relief to the victims of the accident.
Try to imagine a world without car insurance. Every time you went for a drive, you would be risking your bank account and your future earnings. Insurance is designed to help protect you from expensive and sometimes devastating surprises including legal costs if you are taken to court because of an accident.
The average cost of insurance is not that much when you compare it to what the insurance company may have to pay out if you make one minor mistake. The value of good insurance is only revealed when you need it most. In other words, you don’t need insurance… until you do. #AccidentsHappen
The required coverage and limits in Washington State are:
You cannot drive a car without insurance even if you just bought it. Washington state requires all cars driven on public roads to be insured. The fact that you just purchased a vehicle does not change the requirement. Luckily, if all your current vehicles are insured with one insurance company then the coverage on those cars automatically transfers for a few days (check with your insurance company to know exactly how many). If all your cars are not insured with one company, you will want to call your agent before you drive off the lot. If you do not have insurance, you will want to call Mid-Columbia Insurance before you drive off the lot.