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Benton City WA Car & Truck Insurance [FAQ]
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You Don’t Really Need Auto Insurance Coverage… Till You Do
#AccidentsHappen

We write car and truck insurance coverage for Benton City motorists and great deals of it. If you want to get the best car and truck insurance cheap, what would you do? Chill, economical car insurance coverage is our game. Let us be your insurance shopper. We can get you covered today with instant evidence of insurance coverage so you can drive confident.

If you received a ticket for no insurance, we can get you covered before you see the judge so you can drive without worry and potentially get your court fine lowered. Our agency serves for Benton City and all of Benton 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 essential. Simply get yourself insured right now!

Find the protection you want to have at a rate you can afford. We specialize in representing the progressive insurance companies that offer the very best rates for common american family motorists in Benton City.

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Concerned about who to trust to manage your insurance needs? Have a look at the terrific Google Reviews given by our customers. Can 1300+ people be wrong? When you are prepared to get your car insurance coverage started, phone us for a fast and free quote. A basic car quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Auto insurance Benton City
Vehicle insurance Benton City

Do you need to have vehicle insurance coverage in Benton City Washington?

Washington state expects all drivers in Benton City to be able to prove financial responsibility either by having car insurance 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 auto insurance.

What is the penalty for driving without car insurance in Benton City Washington?

The penalty for driving a vehicle in Benton City without any insurance coverage can be as much as $550. If you are without insurance and are found at-fault in a wreck, you could also have your license suspended for approximately 3 years and be expected to get an SR22 to get your license reinstated.

What is the least expensive car insurance?

The most affordable car insurance coverage you can purchase is basic liability protection. This compensates for the damage you trigger to another person up to your policy limits. It is the minimum coverage Washington state permits. We always advise more protection however the choice is yours.
Automobile insurance Benton City

Who has the cheapest automobile insurance coverage?

The least expensive automobile insurance depends upon a variety of ‘responsibility’ elements and how much each insurance company weights each factor.

  • If your driving history is clean, you have excellent credit, and you have had higher liability limits for a several years, Safeco and Progressive will most likely have the best prices for you.
  • If your driving history is clear but you do not currently have insurance coverage or have just had the state minimum, National General or Progressive will most likely have the very best prices for you.
  • If you have actually picked up a couple tickets or had a wreck, Dairyland or National General will probably have the best rates for you.
  • If you have actually had more than two accidents or are receiving citations like they are Pokemon, then The General or Kemper Specialty will most likely offer the best price for you.

One of the benefits of teaming up with an independent agency is that we represent multiple companies and can shop your insurance for you and get you the best rate possible.

Am I really required to have car insurance coverage?

Cars and truck insurance can be costly, so you might ask yourself if you actually need it. Washington state does mandate you to carry a minimum required level of liability insurance for a reason. And, believe it or not, it is not to make insurance companies abundant. Still, is insurance coverage really necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 approximately 7,277,000 police-reported traffic crashes took place and 3,144,000 people were injured in those accidents and 37,461 people died, an average of 102 people every day, one fatality every 14 minutes.

Another word for “liable” is “responsible.” So, if you are responsible for car accident, you need responsibility insurance aka liability insurance in order to ensure financial relief to the victims of the wreck.

Try to imagine a country without car insurance coverage. Each time you went for a drive, you would be risking your life savings and your future income. Insurance coverage is developed to help secure you from expensive and often ruinous incidents including legal costs if you are taken to court as a result of a car accident.

The value of great insurance is just shown when you need it most. Simply put, you don’t need insurance … up until you do. #AccidentsHappen

5 Reasons Why You Need Auto Insurance

  1. Cover you, your passengers, and your auto if struck by an uninsured driver
  2. Save a great deal of cash later by spending a little now
  3. Pay for medical bills for you and your guests after a collision
  4. Protect the financial investment you have in your car or truck
  5. Safeguard your house, savings accounts, and other assets from a claim

So, do you really need car insurance coverage? Only if you wish to safeguard your properties and drive legally. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington state automobile insurance rules?

Washington state expects all drivers to carry a minimal level of liability insurance to lawfully drive in the state. You are expected by the Financial Liability Law to be able to present evidence of financial responsibility if you are driving a motor vehicle. The most convenient way to fulfill these requirements is to get vehicle insurance coverage.

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

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

Personal Injury Protection and Uninsured Motorist protections must be made available by the insurance company however the law allows you to reject them by signing a rejection form.

Not only must you have insurance, but the law also requires that at any time you are operating a vehicle in the state, you must have the ability to display your proof of vehicle insurance to the police.

Failure to show evidence of insurance coverage when asked by a cop is regarded as an offense and can result in penalties of up to $550.

Vehicle insurance Benton City

Can you buy Car insurance without a driver’s license?

You can obtain automobile insurance coverage even if you don’t have a drivers license. You may well wonder why somebody would bother but there are several good reasons somebody may , all involving protecting themselves and their stuff.

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

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

You are not legally obligated to have a driver’s license in order to purchase vehicle insurance but most of the prominent insurance companies, like GEICO, State Farm, American Family, and Allstate, may not insure you without a driver’s license. Also, some agents might not be familiar with how and why it can be done or might just not wish to bother and for that reason will brush you off with a quick ‘no’. Let us assist. We know our stuff.

Auto insurance Benton City

Can I just get state minimum liability limits?

Bare minimum liability protection is seldom advisable yet it’s better than no insurance coverage at all, especially if you can not afford a lot more.

If you have no savings or assets, minimum liability protection may be enough yet it would not be enough to pay for significant injuries or to repair/replace a new automobile. Without sufficient coverage, your future wages might be garnished to cover the damages you cause.

If you just have the state-required $10,000 property damage and strike a car or truck worth say $20,000, the insurance company will certainly pay the $10,000 however you will be accountable for the remainder.

Basically, you are self-insuring for anything over the insurance coverage limits you have actually purchased. If you don’t intend to have your salary garnished or your possessions sold off, seriously consider purchasing greater limits of liability.

May I drive a cars or truck I just purchased without insurance coverage?

You cannot by law drive a car without insurance. Even if you just purchased it. Washington state mandates all automobiles driven on public roadways to be properly insured. The fact that you just now purchased the auto does not alter the requirement.

The good news is, if all your presently owned autos are covered by one insurer then the coverage from those autos by default transfers for a few days (contact your insurance provider to learn exactly the length of time).

If all of your automobiles 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 an insurance policy, you will certainly want to call Mid-Columbia Insurance before you drive off with the car

How do I analyze insurance coverage quotes?

To compare and discover the most ideal insurance quote, you will want to follow 3 steps:

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

It is very easy for a company to have a reduced price tag if they are presenting lower insurance coverage or are not using the exact same tickets and wrecks. Make sure you’re receiving an accurate comparison. Select the exact same package of protections, limits, and deductibles as well as the very same driving history for each quote you obtain.

Once you’ve received a handful of car quotes, consider the helpfulness of the agent you spoke to and how well they clarified things and if they recommended other insurance coverages. Then check the insurer’s Google Reviews to make certain they measure up to your standards.

At this time you are ready to choose the agency that is the best match for you and we really hope it is us.

Car & Truck insurance Benton City

Who may I add to drive my vehicle?

You ought to add everyone that routinely drives your automobile onto your policy so there is no question of policy coverage should a traffic collision take place. Everybody in your house or that has regular use of your automobile should likewise be listed given that almost every policy obligates you to divulge them and either include them as a driver or exclude them from coverage.

How can I receive the cheapest cars and truck insurance

Sometimes the most inexpensive rate is not the very best value. Are you getting the protection you need? Does the insurance policy have coverages and exclusions that are satisfactory to you?

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

If you are just searching for the lowest price you have a number of options:

  • Stop collecting tickets like others gather Pokemon.
  • Raise your deductibles.
  • Get quotes from a variety of insurers. Each insurance company weighs ranking elements differently so rates can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurers for you.
  • Just take the protections you need to have.

Is Washington a no-fault car insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in accident might share some liability when figuring out settlement for damages. Comparative negligence may permit both the claimant and also the plaintiff to recover payment for damages if they are partially responsible for the traffic collision.
Vehicle insurance Benton City

When is really a great Time to buy insurance coverage?

When you move across significant life milestones you should really reassess your auto insurance protections and check if you qualify for better discounts. Here are some of the times when your prices are most likely to change. If the change is considerable, it might be time get a new quote.

  • Crash – You possibly will give up your Safe Driver Discount even if the wreck was not your fault.
  • Adding a teen driver – Teens are 3x more prone to be involved in a wreck, so consider yourself blessed if your insurance premium just doubles.
  • Change of your credit report – if your score considerably improves, ask your representative if they can re-order your credit score.
  • Getting a home – You may now be in a different rating zip code as well as you might now get the homeowner’s discount as well as the bundling discount.
  • DUI or other significant infraction – If your existing insurer discovers it, you will be seeing a price increase at your next renewal.
  • Marriage or Divorce – Major life change. May or may not affect your price
  • Adding or taking off a driver from your plan – might either raise or decrease your price depending on their age as well as their driving history.
  • Acquiring a auto – the insurer that had the very best rate for your previous car or truck might not be best with the new one.
  • Moving – every zip code has a different rate as well as every insurer has different variables for each zip code.

Are you required to have cars and truck insurance coverage to get a drivers license

You don’t require automobile insurance coverage to obtain your Washington driver’s license yet when you take the driving examination, you will need to present to the examiner evidence that the car or truck you are planning to use has insurance.

So, if the car or truck belongs to someone else, you can simply show the owner’s insurance to the instructor. Only be sure, for your safety and security and the auto owner’s, that their plan will cover you as a vehicle 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 trust.

Additionally, due to the variety of insurers we represent, we can cover most autos and most drivers even if they are categorized as a risky driver. No matter your driving MVR, if it is great, bad, or ugly, we should be able cover you.

What are you waiting on? Call us today at ( 509 )783-5600 or Request A Quote here to obtain your complimentary car insurance quote.

Car insurance Benton City

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 Benton City

Benton City is a city in Benton County, Washington, United States. The population was 3,038 at the 2010 census. The city shares a school district with the adjacent unincorporated community of Kiona.

Benton City was originally platted by the North Coast Railroad in 1909. The line was originally conceived as the North Coast Railroad in 1909, then came under ownership of the Oregon Washington Railroad and Navigation Company in 1913 when North Coast was merged with Oregon Railroad and Navigation Company before becoming part of the Union Pacific Railroad. It took its name from Benton S. Groscup (and not the county’s namesake), who was influential in the separation of Benton County from Yakima County. Freight and passenger depots were built by the railroad in 1910.

The town was officially incorporated July 2, 1945. Irrigation water was brought to the area via the Sunnyside Canal in 1947, allowing the area to grow considerably.

Source: Benton City, Washington in Wikipedia

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Top Places to Visit Around Benton City

Mama’s Diner
12 reviews
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Hacienda Del Sol
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Palm Tavern
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