(509) 783-5600 [email protected]

Des Moines WA Automobile Insurance Coverage [FAQ]
Obtain Immediate Evidence of Insurance Coverage!

You Don’t Need Car Insurance… Up Until You Do

We write car and truck insurance coverage for Des Moines car owners. And great deals of it. If you need to get the very best car and truck insurance coverage cheap, what would you do? Kick back, inexpensive auto insurance coverage is our specialty. Allow us to be your insurance shopper. We can easily get you insured today with instant evidence of insurance so you can not worry.

If you received a no-insurance ticket, our team can get you properly insured before you see the judge so you can drive worry free and possibly get your court fine minimized. Our agency serves for Des Moines and all of King County and we are the general auto insurance specialists. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is required. Simply get yourself covered right now!

Discover the coverage you want to have at a price you can afford. We specialize in representing the progressive insurance providers that offer the best prices for normal american family motorists in Des Moines.

Check Us Out

Concerned about who to trust to handle your insurance coverage needs? Have a look at the fantastic Google Reviews left by our clients. Can 1300+ individuals be wrong? When you’re all set to get your car insurance coverage started, phone us for a fast and totally free quote. A general vehicle insurance quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Vehicle insurance Des Moines
Car insurance Des Moines

Do you need to have vehicle insurance coverage in Des Moines Washington?

Washington state mandates all drivers in Des Moines to be able to present financial responsibility either by having vehicle insurance or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can assist you with the auto insurance.

What is the fine for no automobile insurance in Des Moines Washington?

The fine for driving a automobile in Des Moines without insurance coverage can be as much as $550. If you are without insurance coverage and are found at-fault in a collision, you could also have your license revoked for up to 3 years and be expected to submit an SR22 to get your license reinstated.

What is the most affordable automobile insurance coverage?

The most affordable automobile insurance you can acquire is basic liability protection. This compensates for any damage you trigger to another person up to your policy limits. It is the minimum coverage Washington state permits. We always suggest more coverage but the choice is yours.
Automobile insurance Des Moines

What company has the least expensive vehicle insurance?

The most affordable automobile insurance coverage depends upon a number of ‘responsibility’ elements and just how much each company weights each factor.

  • If your driving MVR is clear, you have good credit, and you have actually carried greater liability limits for a a few years, Safeco and Progressive will most likely offer the very best prices for you.
  • If your driving MVR is clear but you haven’t had insurance coverage or have just been carrying the state minimum, National General and Progressive will most likely offer the very best prices for you.
  • If you have received a couple tickets or had an accident, Dairyland or National General will most likely have the very best rates for you.
  • If you have had more than 2 wrecks or are gathering tickets like Pokemon, then Kemper Specialty or The General will offer the best price for you.

One of the advantages of partnering with an independent insurance agent is that we partner with multiple insurance companies and can quote your insurance coverage for you and get you the best rate possible.

Am I actually required to carry vehicle insurance?

Vehicle insurance can be costly, so you might ask yourself if you truly require it. Washington state does require you to possess a minimum required level of liability insurance for a good 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 approximately 7,277,000 police-reported traffic wrecks occurred and 3,144,000 people were hurt in those crashes and 37,461 people were killed, approximately 102 individuals every day, one death 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 provide financial relief to the victims of the traffic collision.

Try to imagine a country without automobile insurance coverage. Whenever you took a drive, you would be risking your bank account and your future paychecks. Insurance is created to help protect you from pricey and in some cases ruinous incidents including legal costs if you are brought to justice because of a collision.

The worth of good insurance coverage is only shown when you need it most. In other words, you do not require insurance coverage … till you do. #AccidentsHappen

5 Reasons Why You Really Needed Vehicle Insurance Coverage

  1. Save a lot of money later on by paying a little bit today
  2. Cover you, your guests, and your car if struck by an uninsured driver
  3. Secure your house, savings accounts, and other investments from a suit
  4. Cover medical expenses for you and your passengers after a car accident
  5. Safeguard the financial investment you have in your automobile

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

What are the Washington vehicle insurance coverage rules?

Washington state requires all drivers to carry a minimal level of liability insurance coverage to legally drive a vehicle in the state. You are expected by the Financial Liability Law to be able to present proof of financial responsibility if you are driving a vehicle. The easiest method to fulfill these requirements is to get car 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 Protection: $10,000 per accident

Personal Injury Protection and Uninsured Motorist coverages need to be made available by the insurer however the law permits you to decline them by signing a rejection form.

Not only must you have insurance coverage, but the law also necessitates that any time you are driving a vehicle in the state, you should be able to display your proof of auto insurance coverage to law enforcement.

Failure to show evidence of insurance coverage when asked by a police officer is regarded as a violation and can lead to penalties of up to $550.

Auto insurance Des Moines

Can I get Automobile insurance without a drivers license?

You can get automobile insurance despite the fact that you do not have a driver license. You may wonder why someone would need to however there are a number of genuine reasons somebody may wish to, all involving securing themselves and their assets.

  • You don’t drive a car for health factors however you own a vehicle and a member of the family or a caretaker drives for you.
  • You’re attempting to get your license and need to drive your learner’s permit prior to taking the driving test.
  • You have a foreign drivers license and are visiting the United States.
  • Your license is suspended, you probably 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 but you need to purchase the automobile in your name because they are a minor.

In all these situations and more we can help you in getting insurance coverage even if don’t have a driver license.

You are not legally required to have a drivers license in order to buy car insurance however most of the big-name insurance companies, like State Farm, GEICO, Allstate, and American Family, may not insure you without a drivers’s license. Likewise, some agents might not know how and why this can be done or may simply not wish to bother and therefore will brush you off with a fast ‘no’. Let us help. We understand our stuff.

Car & Truck insurance Des Moines

Should I just get state minimum liability limits?

Bare minimum liability insurance coverage is hardly ever recommended however it’s far better than no insurance coverage whatsoever, specifically if you can not budget for much more.

If you have no savings or assets, minimum liability protection may be adequate however it would not be enough to take care of significant injuries or to repair/replace a newer auto. Without enough insurance, your future earnings may be garnished to cover the damage you create.

If you only have the state-required $10,000 property damage and hit a car or truck worth say $20,000, the insurance company 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 purchased. If you do not want to have your earnings garnished or your possessions sold, seriously take into consideration acquiring greater limits of liability.

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

You can not by law drive a vehicle without having insurance coverage. Even if you just purchased it. Washington state requires all autos driven on public roadways to be properly insured. The fact that you just purchased the auto does not alter the guideline.

Fortunately, if all your existing owned automobiles are covered by one insurer then the coverage for those cars and trucks automatically transfers for a few days (get in touch with your insurance agent to find out exactly how long).

If every one of your vehicles are not insured with a single insurance company, you will certainly wish to call your company before you drive off the lot. If you do not have an insurance policy, you will certainly wish to call Mid-Columbia Insurance prior to driving off with the car

How do I analyze insurance quotes?

To compare and discover the best insurance quote, you need to follow three steps:

  1. Make sure you are asking each company for the very same insurance coverages
  2. Be sure you have each insurer quote you with the identical driving history
  3. Be sure you read the agency’s online track record

It is very easy for an insurance company to have a lower price tag if they are giving less protection or are not using the exact same tickets and accidents. Make sure you’re receiving an accurate comparison. Select the same package of insurance coverages, limits, and deductibles and the exact same driving history for each quote you get.

When you’ve received a number of auto insurance quotes, consider the helpfulness of the agent you spoke to and how well they described things and if they recommended additional insurance coverages. Then assess the company’s Google Reviews to make certain they measure up to your criteria.

At this time you are ready to select the company that is the very best suit for you and we trust it will be Mid-Columbia Insurance.

Automobile insurance Des Moines

Who may I add to drive my automobile?

You should list everyone that frequently drives your vehicle onto your insurance plan so there is no question of policy coverage if a traffic collision occurs. Anybody in your home or that has routine use of your automobile ought to also be included given that almost every policy mandates you reveal them and either include them as a driver or exclude them from policy coverage.

How can I get the most affordable cars and truck insurance

In some cases the most affordable price is not the very best deal. Are you getting the protection you need? Does the policy have coverages and exclusions that are acceptable to you?

A simple way for an insurer to have low rates is to deny every claim. Pick an insurance company with a good track record and not a company whose sole advertising has to do with saving you 15% or saving those who change some fake dollar amount – you understand it is a lie. They understand it works.

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

  • Just purchase the coverages you need to have.
  • Raise your deductibles.
  • Get quotes from a number of agencies. Each insurance companies weighs ranking elements in a different way so rates can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurers for you.
  • Stop getting tickets like others gather 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 parties involved in accident might share some responsibility when calculating compensation for damages. Comparative negligence may enable both the person at-fault as well as the other party to recover settlement for loss if they are partly responsible for the accident.
Automobile insurance Des Moines

When is it a great Time to shop for insurance coverage?

When you move across major life situations you should really reassess your vehicle insurance protections and also confirm if you might get new discounts. Below are times when your prices are most likely to adjust. If the adjustment is significant, it might be time get a new quote.

  • Marriage or Separation – Major life change. May or may not change your premium
  • Update of your credit score – if it gets substantially better, ask your agent if they can re-order your credit history.
  • Buying a home – You might now be in a different rating zip code as well as you might now get the home-owner’s discount as well as the bundling discount.
  • DUI or other major infraction – If your existing company finds out, you will certainly be seeing a price increase at your upcoming renewal.
  • Moving – every zip code has a different price and every insurer has different variables for each zip code.
  • Adding or taking off a driver from your policy – might either increase or lower your price depending upon their age and their driving MVR.
  • Putting on a teenager – Teens are 3x more likely to be involved in a wreck, so count yourself blessed if your premium just doubles.
  • Crash – You most likely will give up your Safe Driver Discount even if the crash was not-at-fault.
  • Acquiring a vehicle – the insurance company that had the very best rate for your one auto may not be best with the new car.

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

You don’t need vehicle insurance coverage to obtain your Washington driver’s license yet when you take the driving test, you need to present to the instructor proof that the car or truck you are going to use is insured.

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

Why are you delaying?

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

Additionally, due to the number of insurers we partner with, we can insure most cars and trucks as well as most drivers even if they are considered a high-risk driver. Regardless of your driving report, if it is good, terrible, or horible, we should be able cover you.

Why are you sitting there? Call us today at ( 509 )783-5600 or Ask for A Quote right here to obtain your cost-free auto quote.

Auto insurance Des Moines

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 Des Moines

Des Moines ( də-MOYN) is a city in King County, Washington, United States. The population was 29,673 as of the 2010 census.

Des Moines is located on the east shore of Puget Sound, approximately halfway between the major cities of Seattle and Tacoma. The city is bordered by the suburbs of Federal Way to the south, Kent to the east, SeaTac to the northeast, Burien to the north, and Normandy Park to the northwest. It is one of the few points along this shoreline where the topography facilitates access to the water, and a recreational marina operated by the city, with moorage, boat launching and pier fishing facilities, is located there. Forested Saltwater State Park on a steep ravine between the Zenith and Woodmont neighborhoods is the most-used State Park on the Sound. Near the border of Federal Way, Redondo has a board-walk complete with a Salty’s restaurant and a pay parking lot.

Property within the city has been the subject of land buyouts because of noise from aircraft landing or taking off from the Seattle–Tacoma International Airport 2 miles (3.2 km) north of Des Moines.

Source: Des Moines, Washington in Wikipedia

Best Car Dealerships Near Des Moines

All Pro Auto Sales
5 reviews
Used Car Dealers
22441 Pacific Hwy S, Des Moines, WA 98198
Rairdon’s Subaru of Auburn
241 reviews
Car Dealers, Auto Repair, Tires
3025 Auburn Way N, Auburn, WA 98002
Sunrise Automobile
3 reviews
Car Dealers, Used Car Dealers
22727 Marine View Dr S, Des Moines, WA 98198
Legend Auto Sales
177 reviews
Auto Repair, Used Car Dealers, Car Buyers
14650 1st Ave S, Burien, WA 98168

Top Places to Visit Around Des Moines

Wally’s Chowder House & Broiler
1339 reviews
Seafood, Fish & Chips, Soup
22531 Marine View Dr S, Des Moines, WA 98198
Asadero Sinaloa
1018 reviews
Mexican, Steakhouses
310 Washington Ave N, Kent, WA 98032
Rose Pho
657 reviews
Vietnamese, Noodles
19865 1st Ave S, Ste 302, Normandy Park, WA 98198
Sharps Roasthouse
1182 reviews
American (Traditional), Barbeque, Cocktail Bars
18427 International Blvd, Seattle, WA 98188