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Benton County WA Car Insurance [FAQ]
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You Do Not Really Need Vehicle Insurance Coverage… Till You Do
#AccidentsHappen

We write car and truck insurance for Benton County drivers and great deals of it. If you must get the best car insurance at a low-cost, what would you do? Kick back, affordable auto insurance is our area of expertise. Allow us to be your insurance guru. We can get you covered today with immediate evidence of insurance so you can drive confident.

If you received a ticket for no insurance, our team can get you covered before you go to court so that you can drive without worry and potentially get your fine lowered. Mid-Columbia Insurance offers insurance for Benton County and all of none and we are the general vehicle insurance professionals. No matter where you are driving in the state, farm, city, or on the freeway insurance is needed. Just insure yourself right now!

Choose the protection you desire at a price you can manage. We focus on representing the progressive insurers that have the best rates for common american family drivers in Benton County.

Our Client’s Reviews Speak for Us

Worried about who to rely on to handle your insurance coverage requirements? Check out the excellent Google Reviews shared by our customers. Can 1300+ people be wrong? As soon as you are all set to get your vehicle insurance coverage kicked off, check with us for a quick and complimentary insurance quote. A typical vehicle insurance quote from us is more affordable than All State Farm Ers.

Car insurance Benton County
Automobile insurance Benton County

Do you need to have vehicle insurance in Benton County Washington?

Washington state mandates all drivers in Benton County to be able to display financial responsibility either by having vehicle 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 car insurance.

What is the fine for driving without vehicle insurance coverage in Benton County Washington?

The penalty for driving a automobile or motorcycle in Benton County without insurance is up to $550. If you are without insurance coverage and are at-fault in an accident, you might also have your license revoked for approximately 3 years and be expected to submit an SR22 to get your license reinstated.

What is the most inexpensive cars and truck insurance?

The cheapest car insurance coverage you can acquire is basic liability coverage. This pays for the damage you cause to somebody else up to your policy limits. It is the minimum protection Washington state permits. We always advise more coverage but the choice is yours.
Car insurance Benton County

Who has the most inexpensive cars and truck insurance?

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

  • If your driving record is clear, you have excellent credit, and you have actually had higher liability limits for a a few years, Progressive and Safeco will more than likely have the very best prices for you.
  • If your driving history is spotless however you haven’t had insurance or have just been carrying the state minimum, National General or Progressive will most likely have the very best rates for you.
  • If you have actually collected a couple tickets or had a collision, National General or Dairyland will most likely have the very best rates for you.
  • If you have had more than two wrecks or are collecting citations like they are Pokemon, then The General or Kemper Specialty will most likely have the very best price for you.

One of the benefits of partnering with an independent insurance agent is we partner with numerous insurance companies and can shop your insurance for you and get you the best rate possible.

Am I truly required to have vehicle insurance?

Vehicle insurance can be expensive, so you might ask yourself if you truly have to have it. Washington state does mandate you to carry a minimum amount of liability insurance coverage for a reason. And, whether you believe it or not, it is not to help make insurance companies abundant. Still, is insurance coverage really essential?

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

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

Attempt to think of a world without cars and truck insurance. Each time you went for a drive, you would be risking your life savings and your future earnings. Insurance is designed to help safeguard you from expensive and in some cases ruinous incidents including legal expenses if you are taken to court as a result of a crash.

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

5 Reasons You Needed To Have Vehicle Insurance

  1. Safeguard the investment you have in your car
  2. Pay for medical expenses for you and your guests after an accident
  3. Save a great deal of money later by spending a bit now
  4. Cover you, your passengers, and your vehicle if hit by an uninsured driver
  5. Safeguard your home, savings accounts, and other possessions from a lawsuit

So, do you actually need auto insurance? Only if you wish to safeguard your assets and drive legally. Your other alternative is to get friendly with your neighborhood bus or uber driver.

What are the Washington auto insurance coverage laws?

Washington state requires all car drivers to carry a minimal amount of liability insurance coverage to legally operate a vehicle in the state. You are required by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a vehicle. The easiest way to satisfy these requirements is to get vehicle insurance.

The minimum automobile insurance required 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 coverages need to be made available by the insurance provider but the law enables you to refuse them by signing a rejection form.

Not only must you have insurance coverage, but the law likewise requires that any time you are driving a car in the state, you should have the ability to present your evidence of car insurance to the police.

Failure to show evidence of insurance coverage when requested by a law enforcement officer is regarded as an infraction and can lead to penalties of up to $550.

Automobile insurance Benton County

Can you buy Automobile insurance coverage without a drivers license?

You can obtain auto insurance coverage even when you do not have a driver’s license. You may well wonder why somebody would need to but there are several legitimate reasons someone may wish to, all pertaining to safeguarding themselves and their assets.

  • You do not drive a car for health factors however you own a vehicle and a family members or a caretaker drives for you.
  • You don’t drive but you have a teenager who wants to drive however you have to purchase the vehicle in your name because they are a minor.
  • 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 have a foreign drivers license and are visiting the United States.

In all these circumstances and more we can assist you to get insurance coverage even if do not have a drivers license.

You are not legally obligated to have a driver license in order to buy car or truck insurance but the majority of the prominent insurers, like State Farm, GEICO, Allstate, and American Family, will not be able to help you without a driver’s’s license. Likewise, some representatives may not know 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 ‘sorry’. Let us assist. We know our stuff.

Auto insurance Benton County

Can I simply purchase state minimum liability limits?

Bare minimum liability protection is hardly ever advisable but it’s better than no insurance coverage at all, particularly if you can not pay for extra.

If you have no savings or assets, minimum liability coverage might suffice yet it would not suffice to pay for major injuries or to repair/replace a newer vehicle. Without sufficient coverage, your future earnings may be garnished to cover the damage you trigger.

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

Basically, you are self-insuring for anything over the insurance limits you have selected. If you don’t wish to have your salary garnished or your properties sold off, seriously take into consideration purchasing greater limits of liability.

Can I drive a car I recently bought without insurance?

You cannot legally drive a car without insurance. Even if you just now purchased it. Washington state requires all automobiles driven on public roads to be properly insured. The fact that you just acquired the car does not change the requirement.

Fortunately, if all your currently owned cars and trucks are covered by one insurance company then the coverage for those autos conveniently transfers for a couple of days (consult with your insurance provider to learn precisely for how long).

If all your cars are not insured with one insurer, you will certainly want 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 prior to driving off with the car

How do I review insurance coverage quotes?

To review and find the best quote, you will need to consider three steps:

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

It is really easy for an insurer to have a lower price tag if they are offering less insurance coverage or are not using the exact same tickets and crashes. Ensure that you’re receiving a proper comparison. Select the same package of protections, limits, and deductibles as well as the exact same driving history for each quote you request.

After you’ve obtained several car quotes, factor in the helpfulness of the agent you spoke to and how well they explained things and if they recommended other insurance coverages. Then look at the agency’s Google Reviews to ensure they satisfy your requirements.

Now you are prepared to choose the insurance company that is the best fit for you and we trust it will be us.

Auto insurance Benton County

Who may I insure to drive my automobile?

You need to list everyone that regularly drives your auto onto your insurance plan so there is no question of policy coverage should a car accident take place. Anyone in your home or that has regular use of your car or truck needs to also be added given that almost every policy obligates you disclose them and either list them as an operator or exclude them from coverage.

Where can I find the cheapest automobile insurance coverage

Often the most inexpensive rate is not the best value. Are you getting the protection you need? Does the insurance policy have limits and exclusions that are reasonable to you?

A simple way for an insurer to have low rates is to fight every claim. Choose a company with an excellent track record and not a company whose sole marketing is about saving you 15% or saving those who switch some phony dollar amount – you understand it is a lie. They understand it works.

If you are just searching for the lowest rate you have a variety of options:

  • Get quotes from a number of agencies. Each insurance provider weighs ranking factors differently so costs can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous companies for you.
  • Raise your deductibles.
  • Only take the protections you have to have.
  • Stop collecting tickets like others gather Pokemon.

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 an automobile accident may share some responsibility when calculating compensation for damages. Comparative negligence might enable both the claimant and also the plaintiff to recoup compensation for loss if they are partially liable for the traffic collision.
Auto insurance Benton County

When is really a great Time to look for insurance?

When you move across significant life events you need to reassess your automobile insurance protections and review if you qualify for better discounts. Listed below are some of the times when your rates are most likely to change. If the adjustment is significant, it might be a good time get a new quote.

  • Adding a teenage driver – They are three times more prone to have a crash, so consider yourself blessed if your insurance rate just doubles.
  • Moving – every zip code has a different price and every insurer has different variables for those postal codes.
  • Crash – You probably will forfeit your Safe Driver Discount even if the car accident was not your fault.
  • Adjustment of your credit history – if your score considerably improves, ask your representative if they can re-order your credit report.
  • DUI or other major infraction – If your current insurer discovers it, you will certainly be seeing a rate increase at your next renewal.
  • Buying a automobile – the insurance company that had the best price for your one car or truck might not be best with the new car.
  • Marriage or Separation – Significant life change. May or may not change your rate
  • Adding or taking off a driver from your policy – could either raise or lower your rate depending on their age as well as driving history.
  • Purchasing a house – You may now be in a new rating postal code and you may qualify for the home owner’s discount and possibly the bundling discount.

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

You do not need vehicle insurance to get your Washington driver’s license yet when you take the driving test, you have to show to the instructor proof that the automobile you are going to use is insured.

So, if the car belongs to somebody else, you can simply display the owner’s insurance to the driving instructor. Just be sure, for your safety and security and also the automobile owner’s, that their policy will cover you as a vehicle driver.

Why are you delaying?

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

Likewise, due to the number of companies we represent, we can cover most cars and most drivers even if they are considered a risky driver. Regardless of your driving record, if it is good, bad, or horible, we can insure you.

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

Auto insurance Benton County

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 County

Benton County is a county in the south-central portion of the U.S. state of Washington. As of the 2010 census, its population was 175,177. The county seat is Prosser, and its largest city is Kennewick. The Columbia River demarcates the county’s north, south, and east boundaries.

Benton County was created from what were then larger versions of Klickitat County and Yakima County on March 8, 1905. and was named after U.S. Senator from Missouri (1821–51) and later U.S. Representative (1853–55) Thomas Hart Benton.

According to the U.S. Census Bureau, the county has a total area of 1,760 square miles (4,600 km2), of which 1,700 square miles (4,400 km2) is land and 60 square miles (160 km2) (3.4%) is water. The highest point of land elevation within the county is the summit of Rattlesnake Mountain at 3,527 feet; and the lowest point of land elevation is along the southwestern shore of Crow Butte at 265 feet (fluctuates due to level of Columbia River).

Source: Benton County, Washington in Wikipedia

Top Car Dealerships Near Benton County

Archibald’s
22 reviews
Car Dealers
+15097371199
6902 W Clearwater Ave, Kennewick, WA 99336
Northwest Premier Auto Sales
1 review
Used Car Dealers, Commercial Truck Dealers
+15099672886
4083 W Van Giesen St, West Richland, WA 99353
McCurley Integrity Subaru
17 reviews
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+15094127100
9620 Sandifur Pkwy, Pasco, WA 99301
Audi Tri-cities
8 reviews
Auto Repair, Car Dealers, Used Car Dealers
+18664323358
1125 Aaron Dr, Richland, WA 99352

Top Places to See By Benton County

Brick House Pizza
134 reviews
Pizza
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3791 W Van Giesen St, West Richland, WA 99353
Stick+Stone Wood-Fired Pizza
291 reviews
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+15096272450
3027 Duportail St, Richland, WA 99352
JD Diner
97 reviews
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+15099671850
3790 W Van Giesen St, West Richland, WA 99353
Italiano’s Serious Pies & Pasta
89 reviews
Italian, Pizza
+15099671500
4850 Paradise Way, Ste 200, West Richland, WA 99353