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Bellevue WA Car & Truck Insurance [FAQ]
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You Don’t Really Need Vehicle Insurance… Until You Do

We write car insurance for Bellevue motorists and great deals of it. If you want to get the best auto insurance at a low-price, what would you do? Chill, budget friendly car insurance is our specialization. Let us be your insurance shopper. We can get you covered immediately with immediate proof of insurance coverage so you can not worry.

If you got a no-insurance ticket, our team can get you covered before you go to court so you can drive your car lawfully and potentially get your court fine reduced. Mid-Columbia Insurance serves for Bellevue and all of King County and we are the general car and truck insurance experts. Regardless where you are driving in the state, farm, city, or on the freeway insurance is required. Just get yourself insured right away!

Find the coverage you want to have at a price you can afford. We focus on representing the progressive insurance providers that have the very best prices for typical american family motorists in Bellevue.

Check Out Our Reviews

Concerned about who to count on to manage your insurance needs? Take a look at the wonderful Google Reviews shared by our clients. Can 1300+ individuals be wrong? As soon as you are ready to get your auto insurance under way, contact us for a fast and free quote. A normal auto insurance quote from Mid-Columbia Insurance is much cheaper than All State Farm Ers.

Car & Truck insurance Bellevue
Automobile insurance Bellevue

Do you need to have vehicle insurance in Bellevue Washington?

Washington state mandates a driver in Bellevue to be able to prove financial responsibility either by having car insurance coverage or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can get you started with the automobile insurance coverage.

What is the fine for driving without car insurance in Bellevue Washington?

The penalty for driving a automobile in Bellevue without having insurance coverage can be as much as $550. If you don’t have insurance coverage and are found at-fault in a crash, you could also have your license revoked for up to 3 years and be required to get an SR22 to get your license restored.

What is the most affordable vehicle insurance coverage?

The most affordable vehicle insurance you can acquire is basic liability protection. This pays for any damage you cause to someone else up to your policy limits. It is the least amount of protection Washington state allows. We definitely suggest more protection but the option is yours.
Automobile insurance Bellevue

Who has the least expensive vehicle insurance coverage?

The most affordable car and truck insurance coverage depends on a variety of ‘responsibility’ considerations and just how much each insurer weights each element.

  • If your driving record is clean, you have good credit, and you have had higher liability limits for a number of years, Progressive or Safeco will most likely offer the best rates for you.
  • If your driving history is clear however you do not presently have insurance coverage or have just had the state minimum, National General or Progressive will most likely offer the very best prices for you.
  • If you have actually collected a couple tickets or had a collision, National General and Dairyland will most likely have the best rates for you.
  • If you have actually had more than two accidents or are picking up tickets like they are Pokemon, then The General or Kemper Specialty will offer the best price for you.

Among the benefits of using an independent insurance agent is we have several insurers and can shop your insurance coverage for you and find you the very best price possible.

Am I truly required to have cars and truck insurance coverage?

Auto insurance can be pricey, so you might ask yourself if you truly need it. Washington state does call for you to purchase a minimum amount of liability insurance coverage for a reason. And, whether you believe it or not, it is not to help make insurers rich. However is insurance coverage really required?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an approximated 7,277,000 police-reported traffic accidents happened and 3,144,000 people were hurt in those traffic collisions and 37,461 individuals 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 traffic collision, you really need responsibility insurance aka liability insurance in order to render financial relief to the victims of the mishap.

Attempt to think of a world without vehicle insurance coverage. Whenever you took a drive, you would be risking your bank account and your future earnings. Insurance coverage is created to assist safeguard you from costly and often ruinous surprises including legal costs if you are brought to justice due to a collision.

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

5 Factors You Needed To Have Car Insurance Coverage

  1. Cover you, your passengers, and your vehicle if hit by an uninsured motorist
  2. Cover hospital expenses for you and your passengers after an accident
  3. Save a great deal of money later by paying a little right now
  4. Secure your house, savings accounts, and other investments from a suit
  5. Safeguard the financial investment you have in your car

So, do you actually need to get auto insurance coverage? Just if you want to protect your properties and drive lawfully. Your other alternative is to get friendly with your neighborhood bus or uber driver.

What are the Washington state car insurance regulations?

Washington state demands all car drivers to have a minimal amount of liability insurance to lawfully 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 an automobile. The easiest method to fulfill these requirements is to buy vehicle insurance.

The minimum vehicle insurance coverage needed in Washington state is as follows:

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

Personal Injury Protection and Uninsured Motorist protections must be offered by the insurer but the law enables you to decline them by signing a rejection form.

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

Failure to present evidence of coverage when asked for by a police officer is a violation and can result in fines of approximately $550.

Auto insurance Bellevue

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

You can buy auto insurance coverage even if you don’t have a driver’s license. Somebody may question why someone would bother however there are several legitimate reasons somebody may , all relating to securing themselves and their assets.

  • You don’t drive but you have a teen who wishes to drive but you have to buy the car in your name given that they are a minor.
  • You do not drive for health reasons however you own a car and a member of the family or a caretaker drives for you.
  • You have a foreign driver’s license and are visiting the United States.
  • Your license is suspended, you probably plan to get insurance and an SR22 filing so you can get your license back.
  • You’re attempting to get your license and require practice with your learner’s permit before taking the driving test.

In all these scenarios and more we can assist you to get insurance coverage even if don’t have a driver license.

You are not lawfully obligated to have a driver license in order to purchase automobile insurance coverage however most of the big-name insurance providers, like State Farm, GEICO, Allstate, and American Family, may not be able to help you without a driver’s’s license. Also, some agents might not be familiar with how and why this can be done or might just not wish to be bothered and therefore will brush you off with a fast ‘no’. Let us assist. We know our stuff.

Car & Truck insurance Bellevue

Can I just purchase state minimum limits?

Bare minimum liability coverage is seldom suggested yet it’s far better than no insurance coverage at all, especially if you can not pay for a lot more.

If you have no savings or assets, minimal liability coverage might be enough yet it would not be enough to pay for significant injuries or to repair/replace a more recent auto. Without sufficient insurance coverage, your future income might be garnished to cover the damages you create.

If you only are carrying the state-required $10,000 property damage and wreck a car or truck worth say $20,000, the insurance provider will certainly pay the $10,000 however you are responsible for the remainder.

Essentially, you are self-insuring for anything over the insurance coverage limits you have actually picked. If you don’t want to have your salary garnished or your properties sold, seriously think about buying higher limits of liability.

Can I drive an automobile I recently purchased without insurance?

You can’t legally drive an automobile without having insurance coverage. Even if you just now bought it. Washington state requires all automobiles driven on public roadways to be properly insured. The fact that you just purchased the auto does not change the guideline.

Thankfully, if all your presently owned cars are insured by one insurer then the insurance coverage on those automobiles automatically transfers for a couple of days (contact your insurance company to find out precisely how long).

If all of your cars are not insured with one company, you will certainly wish to call your company before you drive off with the car. If you do not have insurance coverage, you will certainly wish to call Mid-Columbia Insurance before you drive off the lot

How can I review insurance coverage quotes?

To compare and choose the very best quote, you will need to observe three steps:

  1. Make certain you are requesting each agent provide the same insurance coverages
  2. Be sure you have each insurer quote you with the identical driving record
  3. Ensure that you take a look at the insurer’s online reviews

It is really simple for an insurance company to have a reduced price if they are offering reduced insurance coverage or are not including the exact same tickets and car accidents. Make certain you’re getting an accurate comparison. Select the exact same package of insurance coverages, limits, and deductibles and the same driving MVR for each and every quote you get.

When you’ve obtained a handful of auto insurance quotes, consider the helpfulness of the representative you spoke to and how well they described things and also if they suggested additional coverages. Then look at the insurer’s Google Reviews to be sure they meet your requirements.

At this time you are ready to choose the insurance company that is the best fit for you and we trust it will be us.

Automobile insurance Bellevue

Who can I cover to drive my car or truck?

You should list everyone that frequently drives your car or truck onto your plan so there is no doubt of coverage should a traffic collision occur. Any person in your home or that has routine use of your auto needs to also be included given that almost every policy obligates you reveal them and either add them as a driver or exclude them from coverage.

How can I get the most inexpensive car insurance

Often the most affordable price is not the very best price. Are you getting the coverage you require? Does the policy have limits and exclusions that are reasonable to you?

A basic method for an insurance company to have low rates is to fight every claim. Select a company with an excellent track record and not an insurance company whose only marketing is about saving you 15% or saving those who change some bogus dollar amount – you understand it is a lie. They know it works.

If you are simply searching for the most affordable rate you have a variety of options:

  • Get quotes from a number of agencies. Each insurance companies weighs ranking aspects differently so rates can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.
  • Only take the coverages you need to have.
  • Raise your deductibles.
  • Stop receiving tickets like others collect Pokemon.

Is Washington a no-fault vehicle insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in crash may share some liability when establishing settlement for damages. Comparative negligence may allow both the person at-fault and the other party to recoup settlement for damages if they are partly at fault for the crash.
Auto insurance Bellevue

When is a great Time to buy insurance coverage?

When you go across major life milestones you should reassess your auto insurance policy coverages and also see if you might get new discounts. Below are some of the times when your prices are most likely to change. If the change is considerable, it may be a good time get a new quote.

  • Moving – every zip code has a different price as well as every insurer has different variables for each postal code.
  • Adding a teen driver – They are three times as prone to have a crash, so count yourself blessed if your premium only doubles.
  • Acquiring a new house – You might now live in a different rating postal code and also you may now get the home owner’s discount and also the bundling discount.
  • Accident – You probably will give up your Safe Driver Discount even if the crash was not-at-fault.
  • Marriage or Divorce – Major life change. May or may not affect your premium
  • Revision of your credit rating – if it substantially improves, ask your representative if they can have your credit history re-ordered.
  • Adding or taking off a driver from your plan – could either boost or lower your rate depending upon the driver’s age and also their driving record.
  • Purchasing a auto – the company that had the lowest price for your old auto may not be best with this one.
  • DUI or other significant violation – If your existing insurer discovers it, you will be seeing a price hike at your following renewal.

Are you required to have automobile insurance coverage to get a driver’s license

Vehicle insurance coverage is not required to obtain your Washington driver’s license but when you take the driving test, you must present to the trainer proof that the car or truck you are planning to use is insured.

So, if the automobile belongs to somebody else, you can simply show the owner’s insurance card to the instructor. Just make sure, for your safety and security and the auto owner’s, that their policy will cover you as a driver.

What are you waiting on?

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

Also, because of the variety of companies we partner with, we can cover most cars as well as most drivers even if they are considered a high-risk driver. No matter your driving report, if it is excellent, bad, or horible, we can cover you.

What are you waiting on? Call us now at ( 509 )783-5600 or Ask for A Quote here to get your cost-free auto quote.

Car insurance Bellevue

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 Bellevue

Bellevue ( BEL-vyoo) is a city in the Eastside region of King County, Washington, United States, across Lake Washington from Seattle. As the third-largest city in the Seattle metropolitan area, Bellevue has variously been characterized as an edge city, a suburb, boomburb, or satellite city. Its population was 122,363 at the 2010 census and 148,164 in a 2019 census estimate.

As of 2019, the city promotes itself as a diverse, global city at the heart of Seattle’s Eastside, and home to some of the world’s most innovative technology companies. Prior to 2008, downtown Bellevue underwent rapid change, with many high-rise projects under construction, and was relatively unaffected by the economic downturn. The downtown area is currently the second-largest city center in Washington state, with 1,300 businesses, 45,000 employees, and 10,200 residents. Based on per capita income, Bellevue is the sixth-wealthiest of 522 communities in the state of Washington. In 2008, Bellevue was number one in CNNMoney’s list of the best places to live and launch a business, and in 2010 was again ranked as the fourth-best place to live in America. In 2014, Bellevue was ranked as the second-best place to live by USA Today. More than 145 companies have been located in Bellevue. Current companies with headquarters in Bellevue include PACCAR Inc, T-Mobile, and Valve.

The name “Bellevue” is derived from the French words for “beautiful view”.

Source: Bellevue, Washington in Wikipedia

Top Car Dealerships Near Bellevue

Amazing Autowoman
36 reviews
Car Dealers, Car Brokers
13285 NE 20th St, Bellevue, WA 98005
Michael’s Subaru of Bellevue
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Honda Of Seattle
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Din Tai Fung
3875 reviews
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700 Bellevue Way NE, Ste 280, Bellevue, WA 98004
Facing East
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1075 Bellevue Way NE, Ste B-2, Bellevue, WA 98004
John Howie Steak Restaurant
1320 reviews
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11111 NE 8th St, Ste 125, Bellevue, WA 98004
Mediterranean Kitchen
1003 reviews
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103 Bellevue Way NE, Ste 103, Bellevue, WA 98004