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Camano WA Auto Insurance [FAQ]
Get Immediate Evidence of Insurance Coverage!

You Do Not Want Vehicle Insurance Coverage… Until You Do

We write car and truck insurance for Camano motorists and lots of it. If you need to get the very best car and truck insurance at a low-price, what would you do? Breathe easy, inexpensive auto insurance is our niche. Allow us to be your insurance expert. We will get you covered now with instant evidence of insurance coverage so you can relax.

If you have a ticket for no insurance, we can get you insured before you go to court so you can drive worry free and perhaps get your court fine decreased. Our agency offers insurance for Camano and all of Island County and we are the general car insurance professionals. Regardless where you are driving in the state, farm, city, or on the freeway insurance is necessary. Just insure yourself right away!

Choose the coverage you require at a rate you can afford. We concentrate on representing the progressive insurers that provide the best rates for normal american family drivers in Camano.

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Concerned about who to trust to manage your insurance needs? Take a look at the terrific Google Reviews shared by our customers. Can 1300+ people be wrong? As soon as you are prepared to get your car or truck insurance coverage launched, phone us for a quick and complimentary insurance quote. A typical car insurance quote from us is much better than All State Farm Ers.

Vehicle insurance Camano
Car insurance Camano

Do you need to have cars and truck insurance in Camano Washington?

Washington state demands a driver in Camano 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 help you with the automobile insurance.

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

The fine for driving a car in Camano without insurance coverage is up to $550. If you are without insurance coverage and are at-fault in a collision, you might have your license revoked for as much as 3 years and be required to get an SR22 to get your license restored.

What is the most affordable vehicle insurance coverage?

The cheapest cars and truck insurance coverage you can buy is basic liability coverage. This pays for the damage you trigger to someone else up to your policy limits. It is the least amount of protection Washington state allows. We definitely suggest more coverage but the choice is yours.
Car & Truck insurance Camano

Who has the most inexpensive cars and truck insurance coverage?

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

  • If your driving record is clear, you have great credit, and you have paid for greater liability limits for a number of years, Safeco and Progressive will more than likely offer the best rates for you.
  • If your driving MVR is clean however you do not currently have insurance or have just had the state minimum, Progressive and National General will probably have the best rates for you.
  • If you have actually collected a couple tickets or had a crash, Dairyland or National General will probably have the very best rates for you.
  • If you have had more than 2 collisions or are gathering citations like they are Pokemon, then Kemper Specialty and The General will have the very best rate for you.

One of the benefits of using an independent agency is we have multiple insurance companies and can look around your insurance for you and find you the very best rate possible.

Am I truly required to carry cars and truck insurance?

Automobile insurance coverage can be costly, so you may ask yourself if you actually have to have it. Washington state does call for you to purchase a minimal level of liability insurance coverage for a reason. And, whether you believe it or not, it is not to make insurance providers abundant. Still, is insurance truly important?

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 mishaps and 37,461 individuals were killed, approximately 102 individuals every day, one fatality every 14 minutes.

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

Try to imagine a world without automobile insurance coverage. Whenever you went for a drive, you would be risking your life savings and your future paychecks. Insurance is created to help protect you from expensive and sometimes devastating surprises including legal expenses if you are taken to court as a result of a crash.

The benefit of great insurance coverage is just exposed when you need it most. Simply put, you don’t need insurance … until you do. #AccidentsHappen

5 Factors Why You Needed To Have Automobile Insurance Coverage

  1. Save a great deal of cash later by paying a little bit now
  2. Pay for hospital expenses for you and your passengers after an accident
  3. Protect the financial investment you have in your car
  4. Cover you, your guests, and your automobile if hit by an uninsured driver
  5. Safeguard your house, savings accounts, and other possessions from a lawsuit

So, do you actually need to have auto insurance coverage? Only if you want to safeguard your possessions and drive lawfully. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington automobile insurance requirements?

Washington state mandates all car drivers to have a minimum level of liability insurance coverage to lawfully drive 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 car. The most convenient way to meet these requirements is to buy vehicle insurance.

The minimum auto 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 protections need to be offered by the insurance company but the law permits you to reject them by signing a rejection form.

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

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

Car & Truck insurance Camano

Can you buy Auto insurance if I don’t have a drivers license?

You can get automobile insurance even if you do not have a driver’s license. Somebody might just wonder why somebody would want to however there are a variety of good reasons someone may wish to, all pertaining to securing themselves and their stuff.

  • Your license is suspended, you most likely plan to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not operate a vehicle for health factors but you own a car and a relative or a caretaker drives for you.
  • You have a foreign drivers license and are visiting the United States.
  • You’re attempting to get your license and require drive your learner’s permit prior to taking the driving test.
  • You do not drive but you have a teen who wants to drive but you have to buy the car or truck in your name since they are underage.

In all these circumstances and more we can help you to get insurance even if do not have a driver’s license.

You are not lawfully obligated to have a driver license in order to purchase vehicle insurance however the majority of the prominent insurance companies, like Allstate, American Family, GEICO, and State Farm, will not be able to help you without a driver’s’s license. Likewise, some representatives might not know how and why this can be done or might simply not want to deal with it and for that reason will brush you off with a fast ‘no’. Let us help. We understand our stuff.

Automobile insurance Camano

Should I just buy state minimum limits?

Bare minimum liability protection is hardly ever suggested yet it’s better than no insurance coverage at all, particularly if you can not budget for more.

If you have no savings or assets, minimal liability insurance coverage might be sufficient however it would not be enough to cover serious injuries or to repair/replace a new car or truck. Without sufficient coverage, your future wages might be garnished to cover the damage you trigger.

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

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

Should I drive a cars or truck I recently bought without insurance?

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

Thankfully, if all your presently owned vehicles are insured with one insurance company then the coverage from those cars and trucks automatically transfers for a few days (check with your insurance provider to learn exactly how much time).

If all of your cars and trucks are not insured with one insurer, you will want to call your representative before you drive off the lot. If you do not have insurance, you ought to call Mid-Columbia Insurance before you drive off the lot

How can I review insurance coverage quotes?

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

  1. Ensure you are requesting each company provide the very same insurance coverages
  2. Make sure you have each company quote you with the same driving history
  3. Make certain you check out the agency’s online reviews

It is extremely simple for an insurance company to have a lower price tag if they are presenting lower insurance coverage or are not using the very same tickets and car accidents. Make sure you’re getting an accurate comparison. Select the very same set of insurance coverages, limits, and deductibles and also the same driving history for every quote you request.

After you’ve obtained a handful of car quotes, factor in the helpfulness of the representative you talked with and how well they discussed things and if they recommended other insurance coverages. Then examine the company’s Google Reviews to be sure they meet your requirements.

Now you are prepared to select the agency that is the best suit for you and we feel confident it is us.

Car insurance Camano

Who may I insure to drive my automobile?

You should really add anybody who repeatedly drives your automobile onto your plan so there is no doubt of policy coverage should a traffic collision take place. Everyone in your house or who has routine use of your auto ought to also be included given that virtually every insurance plan mandates you to reveal them and either include them as a driver or exclude them from policy coverage.

Where can I buy the most inexpensive auto insurance coverage

Often the cheapest price is not the very best deal. Are you getting the protection you require? Does the policy have coverages and exclusions that are satisfactory to you?

A basic method for an insurance company to have low rates is to fight every claim. Pick a company with a great reputation and not an insurer whose only marketing is about saving you 15% or saving those who switch some fake dollar amount – you understand it is a lie. They understand it works.

If you are merely trying to find the lowest price you have a variety of alternatives:

  • Stop getting tickets like others collect Pokemon.
  • Only take the coverages you need to have.
  • Raise your deductibles.
  • Get quotes from a number of insurers. Each insurer weighs ranking aspects in a different way so costs can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous insurance companies for you.

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 an automobile accident might share some responsibility when calculating compensation for damages. Comparative negligence might permit both the person at-fault as well as the other party to recoup payment for loss if they are partially responsible for the crash.
Vehicle insurance Camano

When is usually the best time to look for insurance?

When you navigate major life events you ought to reassess your car insurance policy coverages as well as evaluate if you qualify for new discounts. Listed below are some points when your rates are likely to adjust. If the change is substantial, it might be a great time to request a requote.

  • Buying a house – You may now be in a new rating postal code and you may now get the home owner’s discount as well as the bundling discount.
  • Adjustment of your credit rating – if it gets significantly better, ask your agent if they can re-order your credit history.
  • Adding or removing a driver from your policy – can either increase or reduce your price depending on their age and driving history.
  • Moving – every postal code has a different price and also every insurer has different variables for each zip code.
  • Buying a automobile – the company that had the best price for your one car or truck may not be best with the new vehicle.
  • Marriage or Divorce – Significant life change. May or may not change your premium
  • DUI or other significant violation – If your current company discovers it, you will be seeing a price increase at your following renewal.
  • Wreck – You possibly will forfeit your Safe Driver Discount even if the crash was not your fault.
  • Adding a teen driver – Teens are 3x more prone to have a crash, so count yourself lucky if your price just doubles.

Do you really need vehicle insurance coverage to get a drivers license

Car insurance is not needed to obtain your Washington driver’s license but when you take the driving examination, you need to show to the instructor evidence that the car or truck you are going to use is insured.

So, if the car belongs to somebody else, you can simply show the owner’s insurance to the driving instructor. Only make certain, for your safety and security and also the auto owner’s, that their insurance will cover you as a driver.

What are you waiting for?

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

Also, as a result of the variety of companies we work with, we can insure most cars and trucks as well as most drivers even if they are considered a risky driver. Regardless of your driving history, if it is great, poor, or horible, we should be able insure you.

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

Auto insurance Camano

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..👍
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About Camano

Camano Island is a large island in Possession Sound, a section of Puget Sound. It is part of Island County, Washington, and is located between Whidbey Island and the mainland (Snohomish County) by the Saratoga Passage to the west and Port Susan and Davis Slough to the east. The island has one road connection to the mainland, via State Route 532 over the Camano Gateway Bridge at the northeast end of the island, connecting to the city of Stanwood.

The island has a total area of 39.77 square miles (103.0 km2), making it one of the largest in the state of Washington. It has a year-round population of 15,661 as of the 2010 census. The population peaks at over 17,000 during the summer months due to the presence of “snowbirds” and other part-time residents with vacation homes on the island. It is an unincorporated area with several small communities and shares civic facilities with nearby Stanwood, including its school district, post office, and emergency services.

Camano Island is home to two state parks, Cama Beach and Camano Island State Park, and several county and local parks.

Source: Camano, Washington in Wikipedia

Top Car Dealerships Near Camano

Simple Car Company
4 reviews
Used Car Dealers
33490 State Route 20, Oak Harbor, WA 98277
Mission Motors
5 reviews
Used Car Dealers
9922 WA-532, Stanwood, WA 98292
Certified Services Auto & Truck Repair
2 reviews
Auto Repair
821 Lawson Rd, Camano Island, WA 98282
Cooper Auto Sales and Rentals
4 reviews
Car Rental, Car Dealers
9158 State Rt 525, Clinton, WA 98236

Best Things to Do Near Camano

Cama Beach Cafe & Catering
62 reviews
1880 SW Camano Dr, Camano Island, WA 98282
Cama Beach State Park
40 reviews
1880 SW Camano Dr, Camano Island, WA 98282
Prima Bistro
364 reviews
American (Traditional), French
201 1/2 1st St, Langley, WA 98260
Whidbey Pies Cafe
125 reviews
Cafes, Breakfast & Brunch
765 Wonn Rd, Greenbank, WA 98253