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Edgewood WA Auto Insurance Coverage [FAQ]
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You Don’t Need Auto Insurance… Until You Do
#AccidentsHappen

We write car insurance coverage for Edgewood residents. And great deals of it. If you need to get the best car insurance coverage inexpensively, what would you do? Chill, budget friendly car insurance is our job. Allow us to be your insurance expert. We can get you properly insured right away with immediate proof of insurance coverage so you can drive confident.

If you got a no-insurance ticket, you can get insured before you go to court so that you can drive your car legally and potentially get your fine minimized. Our agency offers insurance for Edgewood and all of Pierce County and we are the general car and truck insurance specialists. No matter where you are driving in the state, farm, city, or on the freeway insurance is needed. Simply get yourself insured now!

Find the coverage you need at a cost you can manage. We focus on representing the progressive insurance companies that have the best rates for normal american family drivers in Edgewood.

Check Out Our Reviews

Concerned about who to depend on to manage your insurance needs? Take a look at the terrific Google Reviews given by our clients. Can 1300+ individuals be wrong? When you’re ready to get your vehicle insurance under way, check with us for a fast and complimentary quote. A general auto insurance quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Auto insurance Edgewood
Automobile insurance Edgewood

Do you need to have automobile insurance in Edgewood Washington?

Washington state demands a driver in Edgewood to be able to present 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 get you started with the car insurance.

What is the fine for no cars and truck insurance coverage in Edgewood Washington?

The penalty for operating a vehicle in Edgewood without any insurance is up to $550. If you are without insurance and are at-fault in a crash, you could also have your license revoked for up to 3 years and be mandated to get an SR22 to get your license restored.

What is the cheapest car insurance coverage?

The cheapest automobile insurance coverage you can acquire is basic liability coverage. This compensates for any damage you cause to another person up to your policy limits. It is the minimum coverage Washington state allows. We always suggest more protection however the choice is yours.
Car insurance Edgewood

What company has the most inexpensive automobile insurance?

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

  • If your driving record is spotless, you have great credit, and you have actually had greater liability limits for a a few years, Safeco or Progressive will more than likely have the best rates for you.
  • If your driving history is clean but you haven’t had insurance coverage or have just been bring the state minimum, Progressive and National General will most likely offer the very best rates for you.
  • If you have actually received a couple tickets or had a crash, National General and Dairyland will most likely have the very best rates for you.
  • If you have had more than 2 crashes or are collecting citations like Pokemon, then Kemper Specialty and The General will most likely offer the best rate for you.

Among the advantages of partnering with an independent agent is that we have numerous companies and can look around your insurance coverage for you and get you the very best price possible.

Do I truly need to have cars and truck insurance coverage?

Car insurance coverage can be pricey, so you may ask yourself if you really need to have it. Washington state does require you to purchase a minimum amount of liability insurance for a good reason. And, whether you believe it or not, it is not to help make insurance providers abundant. Nevertheless is insurance coverage truly essential?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 approximately 7,277,000 police-reported traffic accidents happened and 3,144,000 people were injured in those mishaps and 37,461 individuals died, approximately 102 individuals each 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 render monetary relief to the victims of the traffic collision.

Attempt to think of a country without automobile insurance. Whenever you went for a drive, you would be risking your life savings and your future income. Insurance coverage is created to help protect you from expensive and sometimes devastating incidents including legal expenses if you are taken to court as a result of a traffic collision.

The benefit of good insurance coverage is just exposed when you need it most. To put it simply, you don’t require insurance coverage … till you do. #AccidentsHappen

5 Reasons You Require Car Insurance Coverage

  1. Secure your home, savings accounts, and other assets from a suit
  2. Protect the investment you have in your car
  3. Cover you, your passengers, and your car if hit by an uninsured driver
  4. Cover medical costs for you and your guests after a car accident
  5. Save a great deal of cash later on by paying a little now

So, do you truly need car insurance coverage? Just if you wish to safeguard your possessions and drive lawfully. Your other alternative is to get friendly with your neighborhood bus or uber driver.

What are the Washington state car insurance laws?

Washington state expects all drivers to have a minimum level of liability insurance coverage to legally drive in the state. You are required by the Financial Liability Law to be able to present evidence of financial responsibility if you are driving a vehicle. The simplest way to meet these requirements is to buy car insurance.

The minimum vehicle insurance coverage needed 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 must be made available by the insurer however the law enables you to refuse them by signing a rejection form.

Not only should you have insurance coverage, but the law likewise necessitates that whenever you are operating a vehicle in the state, you should have the ability to present your evidence of auto insurance to the police.

Failure to show evidence of insurance when asked by a police officer is considered an infraction and can lead to fines of as much as $550.

Auto insurance Edgewood

Can I buy Vehicle insurance without a drivers license?

You can buy automobile insurance coverage even when you do not have a driver’s license. You may question why somebody would bother however there are several legitimate reasons somebody might want to, all involving securing themselves and their possessions.

  • You don’t drive a car for health reasons but you own a vehicle and a relative or a caregiver drives for you.
  • You have a foreign drivers license and are visiting the United States.
  • 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 don’t drive but you have a teen who wants to drive however you need to purchase the vehicle in your name given that they are underage.

In all these situations and more we can help you in getting insurance coverage even if do not have a drivers license.

You are not legally obligated to have a driver license in order to get car insurance coverage however the majority of the big-name insurance companies, like Allstate, American Family, GEICO, and State Farm, will not insure you without a drivers’s license. Also, some representatives may not know how and why it can be done or may simply not wish to bother and therefore will brush you off with a quick ‘no’. Let us assist. We understand our stuff.

Car & Truck insurance Edgewood

Should I simply get state minimum limits?

Bare minimum liability insurance coverage is seldom recommended yet it’s far better than no insurance coverage at all, specifically if you can not pay for more.

If you have no savings or assets, minimal liability coverage may be enough but it would not suffice to cover major injuries or to repair/replace a more recent auto. Without sufficient insurance coverage, your future earnings might be garnished to cover the damage you cause.

If you only are carrying the state-required $10,000 property damage and strike an automobile worth say $20,000, the insurer will certainly pay the $10,000 however you will be responsible for the remainder.

In essence, you are self-insuring for anything over the insurance limits you have picked. If you don’t want to have your wages garnished or your properties sold off, seriously think about getting greater limits of liability.

May I drive a vehicle I just purchased without insurance?

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

Thankfully, if all of your existing owned autos are covered with one insurance company then the coverage on those autos automatically transfers for a few days (contact your insurance agent to learn exactly for how long).

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

How do I compare insurance coverage quotes?

To compare and find the most ideal quote, you will need to follow 3 steps:

  1. Make sure you are requesting each agent provide the identical coverages
  2. Make certain you have each company quote you with the identical driving record
  3. Be sure you look at the company’s online reviews

It is really easy for an insurer to have a reduced rate if they are giving lower coverage or are not taking account of the exact same tickets and wrecks. Ensure that you’re getting a correct comparison. Select the very same set of coverages, limits, and deductibles and also the same driving history for every quote you obtain.

Once you’ve received a few quotes, consider the helpfulness of the agent you spoke to and how well they clarified things and if they suggested other coverages. Then take a look at the insurer’s Google Reviews to make sure they measure up to your requirements.

At this time you are prepared to pick the company that is the very best fit for you and we really hope it is Mid-Columbia Insurance.

Car insurance Edgewood

Who may I insure to drive my automobile?

You should include everyone who often drives your car or truck onto your policy so there is no question of insurance coverage if an accident takes place. Any person in your household or that has routine use of your car needs to likewise be added because nearly every plan obligates you divulge them and either list them as a driver or exclude them from coverage.

How can I find the most inexpensive car insurance

In some cases the most affordable price is not the very best deal. Are you getting the protection you need? Does the insurance policy have limits 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 insurer with a great track record and not an insurance company whose only marketing is about saving you 15% or saving those who change some bogus dollar amount – you understand it is a lie. They understand it works.

If you are simply trying to find the most affordable rate you have a number of options:

  • Raise your deductibles.
  • Get quotes from a number of insurance companies. Each insurance company weighs ranking factors in a different way so costs can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.
  • Just take the protections you have to have.
  • Stop collecting tickets like others collect Pokemon.

Is Washington a no-fault vehicle insurance state?

Washington is not a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all parties involved in accident may share some liability when figuring out settlement for damages. Comparative negligence may enable both the person at-fault and the other party to recoup compensation for loss if they are partially to blame for the traffic collision.
Car insurance Edgewood

When is it a good time to shop for insurance coverage?

When you move across significant life milestones you really should reassess your automobile insurance coverages as well as evaluate if you qualify for better discounts. Here are times when your rates are likely to change. If the adjustment is significant, it might be a great time get a new quote.

  • Update of your credit score – if your score gets significantly better, ask your representative if they can re-order your credit rating.
  • Moving – every zip code has a different rate as well as every insurer has different variables for those postal codes.
  • Acquiring a new house – You might now live in a new rating zip code and you might qualify for the home owner’s discount and possibly the bundling discount.
  • Adding or taking off a driver from your plan – can either increase or reduce your rate depending on the driver’s age and also their driving history.
  • Marriage or Separation – Significant life change. May or may not affect your price
  • Wreck – You most likely will forfeit your Safe Driver Discount even if the wreck was not your fault.
  • Adding a teen driver – They are 3x more prone to have an accident, so consider yourself blessed if your insurance price just doubles.
  • DUI or other significant offense – If your present company finds out, you will certainly be seeing a rate increase at your following renewal.
  • Getting a car – the insurance company that had the very best rate for your previous car may not be best with this one.

Do you really need cars and truck insurance coverage to get a driver’s license

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

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

Why are you delaying?

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

Also, as a result of the variety of insurers we partner with, we can cover most autos and most drivers even if they are categorized as a risky driver. Despite your driving MVR, if it is great, poor, or scandalous, we can cover you.

What are you waiting for? Call us today at ( 509 )783-5600 or Ask for A Quote here to get your cost-free vehicle insurance quote.

Car & Truck insurance Edgewood

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 Edgewood

Edgewood is a city in Pierce County, Washington, United States. The population was 9,387 at the 2010 census. Neighboring towns include Fife to the west, Milton to the northwest, Federal Way to the north, Sumner to the east, and Puyallup to the south.

The history of Edgewood can be traced to the Puyallup Indian tribe that lived along the Puyallup River. Dr. William Tolmie, a Scotsman working for the Hudson’s Bay Company, passed through Edgewood in 1833 soon after becoming Chief Trader at Fort Nisqually. Tolmie had arrived at Fort Vancouver by ship from Britain in May 1833. Trappers with Native American wives had moved to the area in the 1830s and settlers in the 1850s.

Washington’s first telegraph line paralleled Military Road that ran through the heart of Edgewood. Approximately 420 Americans (apart from Indians) resided in what is now Pierce County in 1858. By 1862, 681 non-Native Americans were reported to be residents of Pierce County. Evidence indicates that the first building on the North Hill (Surprise Lake) was a one-room log building formed as School District 27 in 1891. One of the first known residents in Edgewood was Peter Nyholm in 1895.

Source: Edgewood, Washington in Wikipedia

Best Car Dealerships Near Edgewood

CarMax
55 reviews
Car Buyers, Used Car Dealers
+12532566659
202 Valley Ave NW, Puyallup, WA 98371
Kia of Puyallup
146 reviews
Car Dealers
+12532868000
111 Valley Ave NE, Puyallup, WA 98372
Rairdon’s Subaru of Auburn
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Car Dealers, Auto Repair, Tires
+12537371345
3025 Auburn Way N, Auburn, WA 98002
Larson Chrysler Jeep Dodge Ram Sales
205 reviews
Auto Repair, Car Dealers, Auto Loan Providers
+12538451725
2001 N Meridian Ave, Puyallup, WA 98371

Best Places to Visit Near Edgewood

Oliver’s Sandwiches
283 reviews
Sandwiches, Cheesesteaks, Vietnamese
+12539272341
900 Meridian Ave E, Ste 23A, Milton, WA 98354
Crockett’s Public House
1431 reviews
American (Traditional)
+12534663075
118 E Stewart Ave, Puyallup, WA 98372
The Mill Steakhouse + Spirits
344 reviews
Sports Bars, Steakhouses, American (Traditional)
+12538314936
900 Meridian E, Ste 50, Milton, WA 98354
Sapporo Sushi & Roll
317 reviews
Sushi Bars, Japanese
+12539225656
4803 Pacific Hwy E, Ste 2, Fife, WA 98424