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Blaine WA Automobile Insurance Coverage [FAQ]
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You Do Not Want Vehicle Insurance… Up Until You Do

We write auto insurance coverage for Blaine car owners and lots of it. If you want to get the best car insurance affordablely, what would you do? Relax, economical vehicle insurance is our job. Let us be your insurance guru. We can get you protected today with immediate evidence of insurance coverage so you can drive safe.

If you got a ticket for no insurance, you can get covered before you go to court so you can drive your car lawfully and perhaps get your fine decreased. Mid-Columbia Insurance serves for Blaine and all of Whatcom County and we are the general car and truck insurance professionals. Regardless where you are driving in the state, farm, city, or on the freeway insurance is required. Just insure yourself right away!

Find the protection you want at a cost you can afford. We focus on representing the progressive insurers that have the best prices for typical american family motorists in Blaine.

Check Out Our Reviews

Worried about who to trust to handle your insurance coverage needs? Take a look at the excellent Google Reviews given by our clients. Can 1300+ individuals be wrong? When you are all set to set up your vehicle insurance, speak to us for a quick and complimentary quote. A normal auto insurance quote from us is much better than All State Farm Ers.

Car & Truck insurance Blaine
Automobile insurance Blaine

Do you need to have automobile insurance coverage in Blaine Washington?

Washington state mandates a driver in Blaine to be able to prove financial responsibility either by having cars & truck 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 auto insurance coverage.

What is the fine for driving without cars and truck insurance coverage in Blaine Washington?

The penalty for operating a automobile or motorcycle in Blaine without insurance can be as much as $550. If you are without insurance coverage and are at-fault in a crash, you could have your license suspended for up to 3 years and be required to submit an SR22 to get your license restored.

What is the least expensive car insurance coverage?

The cheapest cars and truck insurance you can acquire is basic liability coverage. This pays for any damage you cause to someone else up to your policy limits. It is the minimum protection Washington state permits. We always suggest more coverage but the choice is yours.
Car & Truck insurance Blaine

Who has the most inexpensive cars and truck insurance?

The least expensive car insurance coverage depends upon a variety of ‘responsibility’ factors and just how much each company weights each element.

  • If your driving history is clean, you have good credit, and you have actually paid for higher liability limits for a number of years, Progressive or Safeco will most likely offer the very best prices for you.
  • If your driving record is spotless however you don’t currently have insurance coverage or have simply had the state minimum, Progressive or National General will most likely have the best rates for you.
  • If you have picked up a couple tickets or had a collision, Dairyland or National General will probably have the very best rates for you.
  • If you have actually had more than 2 wrecks or are gathering citations like Pokemon, then The General and Kemper Specialty will most likely have the very best rate for you.

Among the advantages of working with an independent insurance agency is that we partner with multiple insurers and can look around your insurance for you and get you the best price possible.

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

Car insurance can be costly, so you may ask yourself if you actually need it. Washington state does require you to carry a minimal level of liability insurance for a reason. And, whether you believe it or not, it is not to make insurance companies abundant. However is insurance coverage truly necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 approximately 7,277,000 police-reported traffic wrecks occurred and 3,144,000 individuals were injured in those mishaps and 37,461 people were killed, an average of 102 people every 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 accident.

Try to envision a country without automobile insurance coverage. Whenever you took a drive, you would be risking your bank account and your future paychecks. Insurance coverage is designed to assist safeguard you from pricey and often devastating incidents including legal expenses if you are taken to court as a result of a collision.

The worth of great insurance is only shown when you require it most. In other words, you don’t require insurance … till you do. #AccidentsHappen

5 Reasons You Require Car Insurance

  1. Protect your house, savings accounts, and other assets from a suit
  2. Cover you, your passengers, and your car or truck if hit by an uninsured driver
  3. Take care of medical expenses for you and your guests after a traffic collision
  4. Save a great deal of cash later by spending a bit today
  5. Protect the financial investment you have in your vehicle

So, do you really need to get vehicle 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 vehicle insurance coverage laws?

Washington state requires all drivers to have a minimal level of liability insurance coverage to lawfully drive in the state. You are expected by the Financial Liability Law to be able to provide proof of financial responsibility if you are driving a motor vehicle. The simplest way to satisfy these requirements is to obtain auto 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 have to be offered 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 likewise requires that at any time you are driving in the state, you must have the ability to display your evidence of auto insurance coverage to the police.

Failure to show evidence of protection when asked by a policeman is a violation and can result in fines of as much as $550.

Car insurance Blaine

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

You can obtain car insurance coverage even when you do not have a driver license. Someone might wonder why somebody would want to however there are a variety of good reasons someone might wish to, all pertaining to safeguarding themselves and their possessions.

  • You do not drive a car for health reasons however you own an automobile and a relative or a caregiver drives for you.
  • Your license is suspended, you most likely plan to get insurance coverage and an SR22 filing so you can get your license back.
  • You don’t drive but you have a teenager who wishes to drive but you need to buy the automobile in your name since they are underage.
  • You’re attempting to get your license and need to 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 situations and more we can help you in getting insurance even if don’t have a driver’s license.

You are not legally required to have a driver’s license in order to get car insurance but most of the prominent insurers, like American Family, State Farm, Allstate, and GEICO, will not insure you without a driver’s’s license. Also, some representatives may not be familiar with how and why this can be done or may simply not wish to be bothered and for that reason will brush you off with a quick ‘sorry’. Let us assist. We understand our stuff.

Auto insurance Blaine

Should I simply purchase state minimum liability limits?

Bare minimum liability is hardly ever a good idea yet it’s much 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 but it would not be enough to pay for significant injuries or to repair/replace a new car. Without sufficient insurance coverage, your future earnings might be garnished to cover the damage you cause.

If you just have the state-required $10,000 property damage and strike an auto worth say $20,000, the insurance provider will certainly pay the $10,000 however you are accountable for the remainder.

In essence, you are self-insuring for anything over the insurance limits you have chosen. If you don’t wish to have your income garnished or your assets sold off, seriously take into consideration purchasing greater limits of liability.

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

You can not lawfully drive a car or truck without having insurance coverage. Even if you just bought it. Washington state requires all autos driven on public roadways to be properly insured. The fact that you just purchased the automobile does not alter the requirement.

Luckily, if all of your currently owned cars and trucks are covered by one insurance provider then the coverage from those vehicles automatically transfers for a couple of days (check with your insurance provider to learn specifically the length of time).

If all of your cars or trucks are not insured with a single company, you will certainly wish to call your agent before you drive off the lot. If you do not have insurance coverage, you should call Mid-Columbia Insurance before you drive off the lot

How do I analyze insurance coverage quotes?

To analyze and find the very best insurance quote, you will need to follow 3 steps:

  1. Make sure you are requesting each insurer provide the identical insurance coverages
  2. Make sure you have each company quote you with the exact same driving history
  3. Ensure that you look at the insurer’s on-line track record

It is very simple for a company to have a reduced rate if they are offering reduced coverage or are not factoring in the same tickets and car accidents. Ensure you’re getting a proper comparison. Select the very same package of insurance coverages, limits, and deductibles and the very same driving MVR for each quote you request.

When you’ve received a number of quotes, factor in the helpfulness of the agent you talked to and how well they discussed things and also if they suggested additional insurance coverages. Then evaluate the agency’s Google Reviews to make sure they measure up to your standards.

At this time you are ready to pick the insurance company that is the best match for you and we really hope it will be us.

Car insurance Blaine

Who may I insure to drive my automobile?

You need to add anyone who regularly drives your car onto your policy so there is no question of policy coverage if a car accident happens. Anyone in your household or who has routine use of your automobile ought to also be listed given that virtually every insurance policy requires you disclose them and either add them as an operator or exclude them from policy coverage.

Where can I buy the least expensive cars and truck insurance

Often the least expensive rate is not the best deal. Are you getting the coverage you need? Does the insurance policy have coverages and exclusions that are reasonable to you?

A basic way for an insurance provider to have low rates is to deny every claim. Choose an insurer with an excellent track record and not an insurer whose sole advertising has to do with saving you 15% or saving those who change some phony dollar amount – you know it is a lie. They understand it works.

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

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

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 a vehicle accident may share some liability when establishing settlement for damages. Comparative negligence might enable both the claimant and also the plaintiff to recoup payment for loss if they are partially to blame for the wreck.
Car & Truck insurance Blaine

When is a great Time to purchase insurance?

When you go across significant life situations you need to reassess your car insurance protections as well as see if you qualify for new discounts. Listed below are some points when your prices are likely to change. If the adjustment is substantial, it may be a great time for a requote.

  • Moving – every postal code has a different rate as well as every insurance company has different factors for each postal code.
  • Putting on a teenager – They are 3x more likely to be involved in an accident, so consider yourself fortunate if your rate only doubles.
  • Adjustment of your credit score – if your score gets considerably better, ask your insurer if they can have your credit history re-ordered.
  • Crash – You probably will give up your Safe Driver Discount even if the accident was not-at-fault.
  • DUI or other major infraction – If your existing insurer finds out, you will certainly be seeing a rate increase at your next renewal.
  • Getting a house – You may now be in a different rating zip code as well as you may now qualify for the home owner’s discount and also the bundling discount.
  • Marriage or Separation – Significant life change. May or may not change your rate
  • Purchasing a new car or truck – the insurer that had the best price for your one car or truck might not be best with this vehicle.
  • Adding or taking off a driver from your policy – might either raise or reduce your rate depending upon their age and their driving MVR.

Do you really need automobile insurance coverage to get your driver license

You don’t require car insurance coverage to get your Washington driver’s license yet when you take the driving examination, you will need to present to the instructor proof that the auto you are going to use is insured.

So, if the vehicle belongs to somebody else, you can simply display the owner’s insurance card to the examiner. Just make certain, for your safety and also the auto owner’s, that their insurance will cover you as a driver.

What are you waiting on?

Mid-Columbia Insurance represents insurers like Dairyland, Progressive, Safeco, National General, Kemper Specialty, Bristol West, Foremost, The General, as well as other insurers that so many have come to know and trust.

Likewise, because of the number of insurers we work with, we can cover most vehicles and most drivers even if they are considered a high-risk driver. Despite your driving history, if it is great, terrible, or shocking, we should be able cover you.

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

Automobile insurance Blaine

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 Blaine

Blaine is a city in Whatcom County, Washington, United States. The city’s northern boundary is the Canada–US border. The Peace Arch international monument lies partly in Blaine and partly in Canada. The population was 4,684 at the 2010 census. Since Blaine is located right on the border with Canada, it is the northernmost city on Interstate 5, while the southernmost city is San Diego, California.

The area was first settled in the mid-19th century by pioneers who established the town as a seaport for the west coast logging and fishing industries, and as a jumping off point for prospectors heading to British Columbia’s gold fields. Blaine was officially incorporated on May 20, 1890, and was named after James G. Blaine (1830−1893), who was a U.S. senator from the state of Maine, Secretary of State, and, in 1884, the unsuccessful Republican presidential candidate. The city has a “turn-of-the-century” theme, marked by remodeled buildings and signs resembling designs that existed during the late 19th century and early 20th century.

The world’s largest salmon cannery was operated by the Alaska Packers’ Association for decades in Blaine; the cannery site has been converted to a waterfront destination resort on Semiahmoo Spit. Several saw mills once operated on Blaine’s waterfront, and much of the lumber was transported from its wharves and docks to help rebuild San Francisco following the 1906 fire there. The forests were soon logged, but Blaine’s fishing industry remained strong and robust into the second half of the 20th century. Into the 1970s Blaine was home to hundreds of commercial purse seiners and gillnetters plying the waters offshore of British Columbia, between Washington State and southeast Alaska. Blaine’s two large marinas are still home to hundreds of recreational sailboats and yachts, and a small fleet of determined local fishers provide visitors with dockside sale of fresh salmon, crab and oysters. Nature lovers have always appreciated Blaine’s coastal location, its accessible bike and walking trails, and view of mountains and water. Birdwatchers across the continent have discovered the area’s high content of migratory birds and waterfowl: Blaine’s Drayton Harbor, Semiahmoo Spit and Boundary Bay are ranked as Important Birding Areas by the Audubon Society.

Source: Blaine, Washington in Wikipedia

Top Car Dealerships Near Blaine

Langley Toyota
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Best Things to Do By Blaine

Drayton Harbor Oyster Company
149 reviews
Live/Raw Food, Seafood
685 Peace Portal Dr, Blaine, WA 98230
Peace Arch City Cafe
108 reviews
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658 Peace Portal Dr, Blaine, WA 98230
The Beach Bar at Birch Bay
96 reviews
American (Traditional), Music Venues, Dive Bars
7876 Birch Bay Dr, Blaine, WA 98230
The Wooden Spoon
265 reviews
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15171 Russell Avenue, White Rock, BC V4B 3Z4, Canada