(509) 783-5600 [email protected]

Bainbridge Island WA Auto Insurance Coverage [FAQ]
Obtain Instant Proof of Insurance!

You Don’t Really Need Car Insurance… Up Until You Do

We write car and truck insurance coverage for Bainbridge Island residents. And great deals of it. If you must get the very best car and truck insurance cheap, what would you do? Breathe easy, low-cost auto insurance is our expertise. We want to be your insurance finders. We can easily get you insured now with immediate evidence of insurance coverage so you can relax.

If you acquired a ticket for no insurance, you can get covered before you see the judge so that you can drive your car legally and potentially get your fine lowered. Our agency offers insurance for Bainbridge Island and all of Kitsap County and we are the general vehicle insurance specialists. Regardless where you are driving in the state, farm, city, or on the freeway insurance is needed. Just get yourself insured now!

Select the coverage you need at a price you can manage. We concentrate on representing the progressive insurance companies that give the best rates for common american family drivers in Bainbridge Island.

Check Us Out

Anxious about who to depend on to manage your insurance needs? Take a look at the wonderful Google Reviews left by our clients. Can 1300+ individuals be wrong? As soon as you are prepared to get your automobile insurance launched, call us for a fast and complimentary insurance quote. A basic car or truck quote from us is much better than All State Farm Ers.

Automobile insurance Bainbridge Island
Car insurance Bainbridge Island

Are you required to have cars and truck insurance in Bainbridge Island Washington?

Washington state expects a driver in Bainbridge Island to be able to show financial responsibility either by having auto insurance coverage or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can help you with the car insurance.

What is the penalty for driving without automobile insurance in Bainbridge Island Washington?

The penalty for driving a auto in Bainbridge Island without having insurance is up to $550. If you are without insurance and are found at-fault in a wreck, you might have your license revoked for up to 3 years and be required to submit an SR22 to get your license reinstated.

What is the most affordable car insurance coverage?

The most affordable auto insurance you can buy is basic liability protection. This pays for the damage you trigger to another person up to your policy limits. It is the least amount of protection Washington state allows. We always recommend more coverage however the choice is yours.
Automobile insurance Bainbridge Island

Who has the most affordable car insurance?

The most inexpensive vehicle insurance coverage depends on a number of ‘responsibility’ aspects and how much each insurer weights each element.

  • If your driving record is spotless, you have excellent credit, and you have carried greater liability limits for a a few years, Safeco or Progressive will most likely have the very best prices for you.
  • If your driving history is clean but you do not currently have insurance coverage or have simply been carrying the state minimum, National General or Progressive will probably offer the very best rates for you.
  • If you have actually picked up a couple tickets or had a crash, National General or Dairyland will most likely have the very best rates for you.
  • If you have had more than two wrecks or are gathering tickets like they are Pokemon, then Kemper Specialty and The General will most likely have the very best rate for you.

One of the benefits of partnering with an independent insurance agent is that we have several insurers and can quote your insurance for you and find you the very best rate possible.

Do I truly need to carry automobile insurance coverage?

Auto insurance coverage can be pricey, so you might ask yourself if you truly need to have it. Washington state does mandate you to purchase a minimal level of liability insurance coverage for a reason. And, believe it or not, it is not to make insurance providers abundant. And yet is insurance coverage truly important?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic wrecks occurred and 3,144,000 individuals were hurt in those accidents and 37,461 people died, approximately 102 people each day, one death 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 car accident.

Try to envision a world without automobile insurance coverage. Every time you took a drive, you would be risking your financial well being and your future earnings. Insurance is designed to help protect you from pricey and often devastating surprises including legal costs if you are brought to justice due to a wreck.

The value of excellent insurance coverage is only exposed when you need it most. Simply put, you do not require insurance coverage … up until you do. #AccidentsHappen

5 Factors Why You Needed To Have Vehicle Insurance

  1. Cover you, your guests, and your auto if struck by an uninsured driver
  2. Take care of medical expenses for you and your guests after a crash
  3. Safeguard the investment you have in your automobile
  4. Save a lot of cash later by paying a bit now
  5. Secure your home, savings accounts, and other assets from a suit

So, do you really need to get auto insurance coverage? Only if you wish to secure your assets and drive lawfully. Your other choice is to get friendly with your local bus or uber driver.

What are the Washington car insurance requirements?

Washington state demands all car drivers to have a minimal level of liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to provide proof of financial responsibility if you are driving a car. The most convenient way to meet these requirements is to obtain vehicle insurance.

The minimum automobile insurance needed in Washington state is as follows:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability Protection: $10,000 per accident

Personal Injury Protection and Uninsured Motorist coverages have to be made available by the insurance provider however the law enables you to decline them by signing a rejection form.

Not only must you have insurance, but the law likewise requires that whenever you are driving a vehicle in the state, you should be able to show your evidence of automobile insurance coverage to the police.

Failure to show proof of coverage when asked by a cop is an infraction and can lead to penalties of as much as $550.

Car insurance Bainbridge Island

Can you get insurance if I don’t have a license?

You can get car insurance coverage even if you do not have a driver’s license. You may well question why someone would want to however there are many genuine reasons somebody might , all having to do with securing themselves and their possessions.

  • Your license is suspended, you most likely want to get insurance coverage and an SR22 filing so you can get your license back.
  • You’re trying to get your license and require drive your learner’s permit before taking the driving test.
  • You do not drive for health reasons however you own a car or truck and a relative or a caregiver drives for you.
  • You don’t drive but you have a teen who wishes to drive however you need to buy the automobile in your name because they are a minor.
  • You have a foreign driver’s license and are visiting the United States.

In all these circumstances and more we can assist you in getting insurance coverage even if don’t have a driver’s license.

You are not lawfully required to have a driver license in order to get vehicle insurance however most of the big-name insurers, like Allstate, American Family, GEICO, and State Farm, may not be able to help you without a driver’s’s license. Likewise, some representatives may not be familiar with how and why this can be done or may just not wish to deal with it and therefore will brush you off with a fast ‘sorry’. Let us assist. We know our stuff.

Car & Truck insurance Bainbridge Island

Should I simply get state minimum limits?

Bare minimum liability is rarely advisable yet it’s far better than no insurance coverage whatsoever, specifically if you can’t afford a lot more.

If you don’t have any savings or assets, minimum liability protection might suffice however it would not be enough to take care of serious injuries or to repair/replace a newer vehicle. Without adequate insurance, your future earnings may be garnished to cover the damages you create.

If you only have the state-required $10,000 property damage and wreck a car worth say $20,000, the insurer will pay the $10,000 however you are accountable for the rest.

Essentially, you are self-insuring for anything over the insurance coverage limits you have actually selected. If you do not want to have your salary garnished or your assets sold off, seriously consider buying greater limits of liability.

Should I drive an automobile I just bought without insurance coverage?

You can not by law drive a car without having insurance coverage. Even if you recently bought it. Washington state mandates all cars driven on public roadways to be insured. The fact that you just now purchased the automobile does not alter the guideline.

Thankfully, if all of your presently owned cars are covered with one insurance company then the coverage on those autos automatically transfers for a few days (contact your insurer to find out exactly how long).

If all your cars and trucks are not insured with one insurer, you will want to call your company prior to driving off with the car. If you do not have insurance, you ought to call Mid-Columbia Insurance prior to driving off with the car

How can I compare insurance quotes?

To review and discover the best insurance quote, you will want to observe 3 steps:

  1. Be sure you are asking each insurer for the identical insurance coverages
  2. Make sure you have each company quote you with the same driving record
  3. Make certain you evaluate the insurer’s online track record

It is extremely simple for an insurer to have a reduced price if they are offering less coverage or are not using the very same tickets and accidents. Ensure that you’re receiving a proper comparison. Select the very same set of insurance coverages, limits, and deductibles and the same driving MVR for each and every quote you request.

When you’ve obtained several auto insurance quotes, factor in the helpfulness of the agent you spoke with and how well they described things and also if they recommended additional coverages. Then review the insurer’s Google Reviews to make sure they satisfy your standards.

Now you are ready to pick the company that is the best suit for you and we hope it will be us.

Vehicle insurance Bainbridge Island

Who may I insure to drive my vehicle?

You should really list anybody that often drives your vehicle onto your insurance policy so there is no doubt of insurance coverage should a collision happen. Anybody in your house or who has frequent use of your auto needs to also be listed because nearly every policy obligates you to reveal them and either list them as an operator or exclude them from policy coverage.

How can I get the most inexpensive auto insurance

In some cases the cheapest price is not the best price. Are you getting the protection you need? Does the insurance policy have limits and exclusions that are acceptable to you?

A basic way for an insurance provider to have low rates is to fight every claim. Select an insurer with an excellent reputation and not a company whose sole advertising is about saving you 15% or saving those who change some phony dollar amount – you know it is a lie. They know it works.

If you are simply searching for the lowest price you have a number of choices:

  • Just take the coverages you have to have.
  • Raise your deductibles.
  • Stop receiving tickets like others gather Pokemon.
  • Get quotes from a number of insurers. Each insurer weighs ranking aspects in a different way so rates can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous insurance companies for you.

Is Washington a no-fault auto insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in an auto accident may share some liability when establishing compensation for damages. Comparative negligence might allow both the person at-fault as well as the other party to recover compensation for loss if they are partially to blame for the accident.
Vehicle insurance Bainbridge Island

When is usually the best time to look for insurance?

When you cross major life events you should really reassess your vehicle insurance protections as well as see if you qualify for new discounts. Below are some points when your prices are most likely to adjust. If the change is considerable, it might be a good time get a new quote.

  • Marriage or Divorce – Significant life change. May or may not change your rate
  • Purchasing a new vehicle – the insurer that had the best price for your one vehicle might not be best with the new car.
  • Relocating – every postal code has a different price as well as every insurer has different factors for each postal code.
  • Adding or taking off a driver from your policy – can either raise or reduce your rate depending on their age as well as driving record.
  • Acquiring a new house – You may now live in a new rating postal code and you may now qualify for the homeowner’s discount as well as the bundling discount.
  • Adding a teenager – They are three times more likely to be involved in a car accident, so count yourself fortunate if your premium just doubles.
  • Crash – You probably will lose your Safe Driver Discount even if the car accident was not your fault.
  • DUI or other significant violation – If your existing company finds out, you will certainly be seeing a rate hike at your upcoming renewal.
  • Adjustment of your credit report – if it gets significantly better, ask your agent if they can have your credit score re-ordered.

Do you really need cars and truck insurance to get your driver’s license

Car insurance is not required to get your Washington driver’s license but when you take the driving examination, you have to present to the examiner evidence that the vehicle you are planning to use has insurance.

So, if the auto belongs to someone else, you can just display the owner’s insurance card to the driving instructor. Only make certain, for your safety and security and the vehicle owner’s, that their plan will cover you as a driver.

What are you waiting for?

Mid-Columbia Insurance works with insurers like Dairyland, Progressive, Safeco, National General, Kemper Specialty, Bristol West, Foremost, The General, and also other companies that so many have come to know and depend on.

Additionally, because of the variety of insurance companies we work with, we can cover most automobiles as well as most drivers even if they are categorized as a high-risk driver. No matter your driving MVR, if it is excellent, terrible, or ugly, we should be able cover you.

Why just sit there? Call us right now at ( 509 )783-5600 or Request A Quote here to get your cost-free vehicle quote.

Car & Truck insurance Bainbridge Island

Testimonials & Referrals

5 Star Review Completely helpful in all the questions I asked were answered. If I didn’t already have insurance comparable I would of switched. I stayed with my insurance company even though im paying a couple of $$ more. Great customer service.
Kathleen Cullen

5 Star Review Gary gave me a very good insurance rate
Barb Kelly

5 Star Review We’ve been with Mid-Columbia for years and are very satisfied. Daisy is awesome and always gets us the best rates and coverage, fast and easy..👍
Charles Salter

About Bainbridge Island

Bainbridge Island is a city and island in Kitsap County, Washington, United States, located in Puget Sound. The population was 23,025 at the 2010 census and an estimated 25,298 in 2019, making Bainbridge Island the second largest city in Kitsap County.

The island is separated from the Kitsap Peninsula by Port Orchard, with Bremerton lying to the southwest. Bainbridge Island is connected to Seattle via the Washington State Ferries system and to Poulsbo and the Suquamish Indian Reservation by State Route 305, which uses the Agate Pass Bridge.

In July 2005, CNN/Money and Money magazine named Bainbridge Island the second-best place to live in the United States.

Source: Bainbridge Island, Washington in Wikipedia

Top Car Dealerships Near Bainbridge Island

Blue Canary
24 reviews
Auto Repair
499 Madison Ave N, Bainbridge Island, WA 98110
Hockett & Olsen Automotive
6 reviews
Tires, Auto Repair, Oil Change Stations
1278 Ferncliff Ave NE, Bainbridge Island, WA 98110
Magnolia Motors
6 reviews
Car Dealers
2410 34th Ave W, Seattle, WA 98199
Honda Of Seattle
381 reviews
Auto Repair, Car Dealers, Auto Parts & Supplies
2005 Airport Way S, Seattle, WA 98134

Top Things to Do Near Bainbridge Island

Mora Iced Creamery
678 reviews
Ice Cream & Frozen Yogurt
139 Madrone Ln, Ste 1100, Bainbridge Island, WA 98110
The Harbour Public House
827 reviews
American (Traditional), Pubs, Seafood
231 Parfitt Way SW, Bainbridge Island, WA 98110
Jake’s Pickup
149 reviews
American (Traditional), Comfort Food, Desserts
406 High School Rd NE, Bainbridge Island, WA 98110
The Streamliner Diner
381 reviews
American (Traditional), Comfort Food, Breakfast & Brunch
397 Winslow Way E, Bainbridge Island, WA 98110