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Battle Ground WA Auto Insurance Coverage [FAQ]
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You Don’t Really Need Auto Insurance Coverage… Up Until You Do

We write auto insurance for Battle Ground drivers and lots of it. If you must get the very best auto insurance cheap, what would you do? Chill, budget friendly car insurance is our specialization. We want to be your insurance finders. We will get you protected right now with immediate evidence of insurance so you can not worry.

If you have a ticket for no insurance, you can get covered before you see the judge so you can drive your car lawfully and potentially get your court fine reduced. Mid-Columbia Insurance serves for Battle Ground and all of Clark County and we are the general car and truck insurance experts. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is essential. Merely get yourself insured now!

Discover the coverage you want at a cost you can manage. We focus on representing the progressive insurers that offer the best prices for normal american family motorists in Battle Ground.

Our Client’s Reviews Speak for Us

Worried about who to rely on to handle your insurance coverage requirements? Take a look at the wonderful Google Reviews left by our clients. Can 1300+ people be wrong? As soon as you’re all set to get your car insurance set up, contact us for a quick and free insurance quote. A normal auto insurance quote from us is more affordable than All State Farm Ers.

Car insurance Battle Ground
Car insurance Battle Ground

Do you need to have vehicle insurance in Battle Ground Washington?

Washington state requires a driver in Battle Ground to be able to display financial responsibility either by having cars & truck insurance or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can assist you with the auto insurance coverage.

What is the penalty for driving without cars and truck insurance in Battle Ground Washington?

The penalty for driving a vehicle in Battle Ground without insurance coverage can be as much as $550. If you don’t have insurance coverage and are found at-fault in a crash, you might also have your license suspended for as much as 3 years and be mandated to file an SR22 to get your license reinstated.

What is the most affordable car insurance coverage?

The most affordable car insurance you can buy is basic liability coverage. This pays for any damage you cause to someone else up to your policy limits. It is the least amount of coverage Washington state allows. We definitely advise more coverage but the choice is yours.
Car insurance Battle Ground

Who has the least expensive automobile insurance?

The most inexpensive car or truck insurance depends on a variety of ‘responsibility’ factors and just how much each company weights each element.

  • If your driving record is clear, you have great credit, and you have actually paid for greater liability limits for a number of years, Safeco or Progressive will more than likely offer the very best prices for you.
  • If your driving record is clean but you haven’t had insurance coverage or have just had the state minimum, Progressive or National General will probably offer the very best rates for you.
  • If you have actually collected a couple tickets or had an accident, Dairyland or National General will probably have the very best rates for you.
  • If you have actually had more than 2 car accidents or are picking up citations like they are Pokemon, then Kemper Specialty or The General will have the best rate for you.

Among the advantages of partnering with an independent agency is we partner with multiple insurance companies and can quote your insurance coverage for you and find you the very best price possible.

Do I actually need to buy car insurance coverage?

Car insurance coverage can be expensive, so you may ask yourself if you actually want to have it. Washington state does mandate you to possess a minimum required amount of liability insurance for a good reason. And, whether you believe it or not, it is not to help make insurers abundant. Still, is insurance actually necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an approximated 7,277,000 police-reported traffic wrecks took place and 3,144,000 people were injured in those collisions and 37,461 individuals were killed, approximately 102 individuals every day, one death every 14 minutes.

Another word for “liable” is “responsible.” So, if you are responsible for an accident, you need to have responsibility insurance coverage aka liability insurance in order to provide financial relief to the victims of the mishap.

Attempt to think of a country without vehicle insurance coverage. Whenever you went for a drive, you would be risking your life savings and your future paychecks. Insurance is designed to help secure you from expensive and sometimes devastating incidents including legal costs if you are brought to justice as a result of a wreck.

The benefit of excellent insurance coverage is only shown when you require it most. To put it simply, you do not need insurance coverage … up until you do. #AccidentsHappen

5 Reasons Why You Need Auto Insurance

  1. Safeguard the financial investment you have in your vehicle
  2. Safeguard your house, savings accounts, and other possessions from a lawsuit
  3. Save a great deal of money later on by paying a little now
  4. Cover medical costs for you and your guests after a car accident
  5. Cover you, your passengers, and your auto if struck by an uninsured motorist

So, do you truly need car insurance coverage? Only if you want to secure your assets and drive lawfully. Your other alternative is to get friendly with your local bus or uber driver.

What are the Washington state auto insurance coverage laws?

Washington state requires all drivers to have a minimal amount of liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to present evidence of financial responsibility if you are driving a motor vehicle. The simplest way to meet these requirements is to purchase vehicle insurance coverage.

The minimum car insurance required in Washington state is as follows:

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

Personal Injury Protection and Uninsured Motorist protections need to be offered by the insurer however the law permits you to decline them by signing a rejection form.

Not only should you have insurance, but the law also necessitates that any time you are driving a vehicle in the state, you need to be able to display your proof of auto insurance to the police.

Failure to show proof of protection when asked by a police officer is considered an offense and can result in fines of as much as $550.

Automobile insurance Battle Ground

Can I buy Vehicle insurance coverage without a driver’s license?

You can buy automobile insurance despite the fact that you do not have a driver’s license. You may question why somebody would want to but there are a variety of genuine reasons someone may , all having to do with securing themselves and their assets.

  • Your license is suspended, you most likely want to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not operate a vehicle for health factors however you own a car and a family members or a caregiver drives for you.
  • You do not drive but you have a teen who wants to drive however you need to buy the automobile in your name because they are underage.
  • You have a foreign drivers license and are visiting the United States.
  • You’re trying to get your license and need to drive your learner’s permit prior to taking the driving test.

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

You are not lawfully required to have a driver license in order to buy car insurance however most of the big-name insurance companies, like GEICO, State Farm, American Family, and Allstate, may not be able to help you without a driver’s license. Also, some agents may not be familiar with how and why this can be done or may simply not want to deal with it and for that reason will brush you off with a quick ‘no’. Let us assist. We understand our stuff.

Vehicle insurance Battle Ground

Should I just buy state minimum liability limits?

Bare minimum liability coverage is hardly ever suggested but it’s better than no insurance coverage whatsoever, specifically if you can’t budget for a lot more.

If you don’t have any savings or assets, minimal liability insurance coverage might be sufficient yet it would not be enough to take care of severe injuries or to repair/replace a newer automobile. Without sufficient coverage, your future wages may be garnished to cover the damages you trigger.

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

Essentially, you are self-insuring for anything over the insurance limits you have purchased. If you do not want to have your salary garnished or your properties sold off, seriously take into consideration purchasing greater limits of liability.

May I drive a car I recently purchased without insurance coverage?

You cannot legally drive an automobile without having insurance. Even if you recently bought it. Washington state mandates all cars or trucks driven on public roads to be insured. The fact that you recently acquired the vehicle does not change the requirement.

Thankfully, if all of your currently owned automobiles are insured with one insurance company then the insurance coverage on those cars and trucks conveniently transfers for a few days (consult with your insurance provider to find out specifically how long).

If every one of your vehicles are not insured with a single insurer, you will certainly want to call your insurer before you drive off with the car. If you do not have insurance, you should call Mid-Columbia Insurance prior to driving off with the car

How can I review insurance quotes?

To review and discover the best quote, you need to follow three steps:

  1. Make certain you are requesting each company provide the identical coverages
  2. Make sure you have each insurer quote you with the same driving MVR
  3. Make certain you check the company’s online track record

It is really easy for an insurance company to have a lower rate if they are providing lower coverage or are not including the exact same tickets and car accidents. Make sure you’re receiving a proper comparison. Select the very same package of protections, limits, and deductibles as well as the same driving history for every quote you request.

Once you’ve obtained a handful of auto quotes, think about the helpfulness of the representative you talked with and how well they discussed things and also if they suggested other insurance coverages. Then take a look at the agency’s Google Reviews to be sure they meet your criteria.

Now you are prepared to pick the company that is the very best suit for you and we feel confident it will be Mid-Columbia Insurance.

Auto insurance Battle Ground

Who can I insure to drive my automobile?

You should include everyone who routinely drives your auto onto your policy so there is no question of policy coverage if an accident takes place. Any person in your home or that has routine use of your vehicle should also be added because nearly every plan obligates you to divulge them and either list them as a driver or exclude them from coverage.

Where can I get the cheapest automobile insurance coverage

Sometimes the least expensive rate is not the very best deal. Are you getting the coverage you require? Does the policy have coverages and exclusions that are satisfactory to you?

A simple method for an insurance company to have low rates is to deny every claim. Select an insurer with an excellent track record and not a company whose sole marketing has to do with saving you 15% or saving those who switch some bogus dollar amount – you know it is a lie. They understand it works.

If you are simply trying to find the most affordable price you have a variety of alternatives:

  • Raise your deductibles.
  • Get quotes from a number of insurance companies. Each insurance company weighs rating aspects in a different way so rates can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurance companies for you.
  • Stop receiving tickets like others gather Pokemon.
  • Only take the coverages you must have.

Is Washington a no-fault auto insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all persons involved in a car accident might share some liability when figuring out settlement for damages. Comparative negligence may enable both the claimant and the plaintiff to recover compensation for loss if they are partially at fault for the traffic collision.
Vehicle insurance Battle Ground

When is a great Time to look for insurance?

When you go across significant life milestones you need to reassess your vehicle insurance coverages as well as check if you might get more discounts. Listed below are times when your rates are likely to change. If the change is considerable, it might be time for a requote.

  • Update of your credit rating – if your score gets considerably better, ask your representative if they can re-order your credit history.
  • DUI or other significant offense – If your present insurance company discovers it, you will certainly be seeing a price hike at your following renewal.
  • Marriage or Separation – Major life change. May or may not change your premium
  • Relocating – every zip code has a different rate and every company has different variables for those postal codes.
  • Buying a auto – the insurer that had the best price for your old auto may not be best with the new vehicle.
  • Putting on a teenage driver – They are three times more likely to be involved in a crash, so count yourself fortunate if your insurance premium only doubles.
  • Purchasing a new house – You might now be in a new rating postal code as well as you might qualify for the home owner’s discount and possibly the bundling discount.
  • Adding or removing a driver from your policy – could either raise or lower your price depending on the driver’s age and their driving history.
  • Car accident – You most likely will give up your Safe Driver Discount even if the crash was not your fault.

Are you required to have cars and truck insurance to get your driver license

You don’t need automobile insurance coverage to get your Washington driver’s license however when you take the driving examination, you need to show to the trainer proof that the car you are planning to use has insurance.

So, if the auto belongs to another person, you can just show the owner’s insurance to the driving instructor. Just make sure, for your security as well as the auto owner’s, that their policy will cover you as a vehicle driver.

What are you waiting on?

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

Also, due to the variety of insurers we work with, we can cover most autos as well as most drivers even if they are considered a high-risk driver. Despite your driving history, if it is great, bad, or horible, we can insure you.

What are you waiting for? Call us right now at ( 509 )783-5600 or Ask for A Quote here to obtain your free vehicle quote.

Automobile insurance Battle Ground

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 Battle Ground

Battle Ground is a city in Clark County, Washington, United States. The population was 17,571 at the 2010 census. Between 2000 and 2005, Battle Ground ranked fourth in the state for population growth, out of 279 eligible incorporated communities. As of 2019, its population is 21,252.

Battle Ground got its name from a standoff between a group of the Klickitat peoples and a military force from the Vancouver Barracks, which had recently transitioned to a U.S. Army post. In 1855, when this occurred, the Klickitat peoples had been imprisoned at the Vancouver Barracks. The hostile conditions of their detainment inspired some of the Klickitats to decamp.

This group of Klickitat peoples headed North, led by Chief Umtuch ( or Umtux, according to some accounts). When the community at Fort Vancouver discovered this escape, they assembled an armed contingent led by Captain William Strong to pursue the Klickitats. After great difficulty, Captain Strong’s party found the Klickitats near the present-day location of downtown Battle Ground.

Source: Battle Ground, Washington in Wikipedia

Best Car Dealerships Near Battle Ground

KAB Motors
5 reviews
Auto Repair
17 SE 4th Ave, Battle Ground, WA 98604
4-H Auto Sales
1 review
Car Dealers
15814 NE 182nd Ave, Ste E, Brush Prairie, WA 98606
Art Kuzma Motors Inc
11 reviews
Car Dealers, Auto Repair
6504 NE Hwy 99, Vancouver, WA 98665
Dunn Deal Auto Sales
5 reviews
Used Car Dealers
8600 NE St Johns Rd, Vancouver, WA 98665

Top Places to See Around Battle Ground

Barrel Mountain Brewing
433 reviews
American (New), Breweries, Beer Gardens
607 E Main St, Battle Ground, WA 98604
Pita House
181 reviews
Mediterranean, Greek
715 W Main St, Ste 117, Battle Ground, WA 98604
Mill Creek Pub
385 reviews
Steakhouses, Beer, Wine & Spirits, Gastropubs
1710 SW 9th Ave, Ste 101, Battle Ground, WA 98604
Northwood Public House and Brewery
235 reviews
Breweries, Burgers, Pubs
1401 SE Rasmussen Blvd, Battle Ground, WA 98604