(509) 783-5600 [email protected]

Gig Harbor WA Auto Insurance [FAQ]
Obtain Immediate Evidence of Insurance Coverage!

You Don’t Really Need Auto Insurance… Up Until You Do

We write car and truck insurance coverage for Gig Harbor drivers. And lots of it. If you must get the very best car insurance economically, what would you do? Breathe easy, economical auto insurance coverage is our niche. We want to be your insurance guru. We can get you protected right away with immediate proof of insurance so you can drive safe.

If you received a ticket for no insurance, we can get you properly insured before you go to court so that you can drive your car without worry and potentially get your fine minimized. Mid-Columbia Insurance serves for Gig Harbor and all of Pierce County and we are the general vehicle insurance experts. Regardless where you are driving in the state, farm, city, or on the freeway insurance is essential. Merely get yourself covered today!

Get the coverage you want to have at a cost you can manage. We specialize in representing the progressive insurance companies that offer the best prices for common american family car owners in Gig Harbor.

Check Us Out

Concerned about who to trust to handle your insurance coverage needs? Check out the great Google Reviews left by our clients. Can 1300+ individuals be wrong? As soon as you are prepared to get your car insurance kicked off, speak to us for a quick and free quote. A typical car or truck insurance quote from Mid-Columbia Insurance is much better than All State Farm Ers.

Automobile insurance Gig Harbor
Vehicle insurance Gig Harbor

Are you required to have cars and truck insurance coverage in Gig Harbor Washington?

Washington state requires a driver in Gig Harbor to be able to display financial responsibility either by having car insurance coverage 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 fine for no automobile insurance in Gig Harbor Washington?

The fine for operating a automobile in Gig Harbor without insurance is up to $550. If you don’t have insurance coverage and are found at-fault in a collision, you could have your license suspended for up to 3 years and be required to get an SR22 to get your license restored.

What is the least expensive automobile insurance?

The most inexpensive vehicle insurance you can acquire is basic liability coverage. This pays for the damage you trigger to someone else up to your policy limits. It is the minimum protection Washington state authorizes. We definitely recommend more coverage however the option is yours.
Vehicle insurance Gig Harbor

Who has the most affordable vehicle insurance coverage?

The most inexpensive car and truck insurance coverage depends on a variety of ‘responsibility’ aspects and just how much each insurance company weights each aspect.

  • If your driving record is clear, you have excellent credit, and you have paid for higher liability limits for a a few years, Safeco or Progressive will most likely have the best rates for you.
  • If your driving MVR is clear however you haven’t had insurance coverage or have just been carrying the state minimum, National General and Progressive will most likely offer the best prices for you.
  • If you have picked up a couple tickets or had a wreck, National General and Dairyland will probably have the very best rates for you.
  • If you have actually had more than 2 wrecks or are gathering citations like they are Pokemon, then The General and Kemper Specialty will most likely offer the best rate for you.

Among the benefits of using an independent insurance agency is that we partner with several companies and can look around your insurance for you and get you the very best price possible.

Am I truly required to carry cars and truck insurance coverage?

Automobile insurance coverage can be pricey, so you might ask yourself if you actually need to have it. Washington state does mandate you to possess a minimum required level of liability insurance coverage for a reason. And, whether you believe it or not, it is not to make insurance providers rich. However is insurance actually essential?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 approximately 7,277,000 police-reported traffic crashes occurred and 3,144,000 people were injured in those wrecks and 37,461 individuals died, an average of 102 people 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 coverage aka liability insurance in order to ensure financial relief to the victims of the car accident.

Try to picture a country without vehicle insurance coverage. Whenever you went for a drive, you would be risking your bank account and your future paychecks. Insurance is created to assist protect you from pricey and often devastating surprises including legal expenses if you are brought to justice because of a collision.

The worth of good insurance coverage is only revealed when you require it most. Simply put, you do not need insurance coverage … until you do. #AccidentsHappen

5 Factors You Require Auto Insurance Coverage

  1. Cover you, your passengers, and your car or truck if hit by an uninsured motorist
  2. Save a great deal of cash later by paying a little right now
  3. Safeguard the investment you have in your automobile
  4. Pay for medical bills for you and your guests after a crash
  5. Secure your house, savings accounts, and other possessions from a claim

So, do you really need vehicle insurance coverage? Just if you wish to safeguard your possessions and drive lawfully. Your other choice is to get friendly with your local bus or uber driver.

What are the Washington state vehicle insurance rules?

Washington state mandates all car 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 most convenient way to meet these requirements is to buy vehicle insurance coverage.

The minimum automobile 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 need to be offered by the insurer but the law enables you to refuse them by signing a rejection form.

Not only should you have insurance, but the law also demands that any time you are driving in the state, you should have the ability to show your evidence of vehicle insurance coverage to law enforcement.

Failure to present evidence of insurance coverage when requested by a police officer is an offense and can lead to penalties of approximately $550.

Automobile insurance Gig Harbor

Can you buy insurance without a license?

You can get vehicle insurance coverage even if you don’t have a driver’s license. Somebody might wonder why someone would bother but there are many good reasons somebody may , all having to do with safeguarding themselves and their possessions.

  • You do not drive 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.
  • You don’t drive but you have a teen who wants to drive however you have to purchase the car in your name because they are a minor.
  • You’re attempting to get your license and need to drive your learner’s permit prior to taking the driving test.
  • Your license is suspended, you probably want to get insurance coverage and an SR22 filing so you can get your license back.

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

You are not lawfully obligated to have a driver’s license in order to buy vehicle insurance coverage however the majority of the big-name insurers, like State Farm, GEICO, Allstate, and American Family, may not be able to help you without a drivers’s license. Likewise, some representatives might not be familiar with how and why this can be done or might just not want to be bothered and for that reason will brush you off with a fast ‘no’. Let us help. We know our stuff.

Car & Truck insurance Gig Harbor

Should I simply buy state minimum liability limits?

Bare minimum liability protection is rarely suggested however it’s far better than no insurance whatsoever, specifically if you can’t budget for a lot more.

If you have no savings or assets, minimal liability protection might be enough but it would not be enough to take care of severe injuries or to repair/replace a more recent car or truck. Without sufficient 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 wreck a vehicle worth say $20,000, the insurance company will certainly pay the $10,000 but you will be responsible for the remainder.

Basically, you are self-insuring for anything over the insurance limits you have selected. If you don’t intend to have your wages garnished or your possessions sold off, seriously consider purchasing higher limits of liability.

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

You cannot legally drive a vehicle without insurance. Even if you just purchased it. Washington state requires all cars driven on public roadways to be insured. The fact that you just acquired the car does not alter the guideline.

Thankfully, if all your presently owned automobiles are insured by one insurer then the insurance coverage for those automobiles by default transfers for a couple of days (get in touch with your insurance provider to find out specifically how long).

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

How do I review insurance coverage quotes?

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

  1. Make sure you are requesting each agent provide the identical coverages
  2. Make certain you have each company quote you with the same driving history
  3. Make certain you evaluate the insurer’s online reputation

It is really easy for an agent to have a lower rate if they are providing reduced insurance coverage or are not including the exact same tickets and car accidents. Be sure you’re getting a proper comparison. Select the exact same package of insurance coverages, limits, and deductibles and also the same driving history for every quote you request.

After you’ve gotten a handful of car insurance quotes, factor in the helpfulness of the representative you talked to and how well they discussed things and if they suggested other insurance coverages. Then check the agency’s Google Reviews to be sure they meet your criteria.

Now you are prepared to pick the agency that is the best fit for you and we really hope it will be us.

Car & Truck insurance Gig Harbor

Who may I insure to drive my automobile?

You ought to add anyone who often drives your automobile onto your plan so there is no question of insurance coverage should an accident happen. Everybody in your house or who has regular access to your car or truck ought to likewise be added given that almost every insurance plan obligates you reveal them and either list them as an operator or exclude them from policy coverage.

How can I receive the most affordable auto insurance coverage

In some cases the most affordable rate is not the very best value. Are you getting the coverage you need? Does the insurance policy have coverages and exclusions that are satisfactory to you?

A simple way for an insurance company to have low rates is to deny every claim. Pick an insurance company with a great track record and not an insurer whose only marketing has to do with saving you 15% or saving those who switch some bogus dollar amount – you know it is a lie. They know it works.

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

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

Is Washington a no-fault auto insurance state?

Washington isn’t a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in a vehicle crash might share some liability when calculating settlement for damages. Comparative negligence may enable both the claimant as well as the plaintiff to recoup settlement for loss if they are partly responsible for the wreck.
Car & Truck insurance Gig Harbor

When is really the best time to buy insurance coverage?

When you cross significant life milestones you should reassess your car insurance policy coverages and confirm if you might get more discounts. Below are some of the times when your rates are most likely to change. If the adjustment is substantial, it might be time to request a requote.

  • Acquiring a house – You may now be in a new rating zip code as well as you might get the home owner’s discount as well as the bundling discount.
  • Moving – every postal code has a different price and every company has different variables for those zip codes.
  • Revision of your credit rating – if it significantly improves, ask your representative if they can have your credit rating re-ordered.
  • DUI or other major offense – If your present insurer finds out, you will certainly be seeing a price increase at your following renewal.
  • Marriage or Separation – Significant life change. May or may not change your rate
  • Accident – You possibly will forfeit your Safe Driver Discount even if the accident was not your fault.
  • Putting on or removing a driver from your plan – might either increase or lower your rate depending on the driver’s age as well as driving record.
  • Adding a teen driver – Teens are three times more likely to have a crash, so consider yourself blessed if your rate just doubles.
  • Buying a new car – the insurer that had the lowest price for your old vehicle might not be best with the new one.

Do you need car insurance coverage to get your drivers license

You do not need vehicle insurance to get your Washington driver’s license yet when you take the driving examination, you must present to the examiner proof that the automobile you are planning to use is insured.

So, if the car or truck belongs to someone else, you can just display the owner’s insurance card to the examiner. Just make certain, for your security as well as the auto owner’s, that their plan will cover you as a vehicle driver.

Why are you waiting?

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

Likewise, due to the number of insurers we partner with, we can cover most automobiles and also most drivers even if they are considered a high-risk driver. Despite your driving history, if it is great, poor, or shocking, we should be able insure you.

Why are you sitting there? Call us today at ( 509 )783-5600 or Request A Quote here to obtain your totally free car quote.

Automobile insurance Gig Harbor

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 Gig Harbor

Gig Harbor is the name of both a bay on Puget Sound and a city on its shore in Pierce County, Washington, United States. The population was 7,126 at the 2010 census.

Gig Harbor is one of several cities and towns that claim to be “the gateway to the Olympic Peninsula”. Due to its close access to several state and city parks, and historic waterfront that includes boutiques and fine dining, it has become a popular tourist destination. Gig Harbor is located along State Route 16, about 6 mi (10 km) from its origin at Interstate 5, over the Tacoma Narrows Bridge. A $1.2 billion project to add a second span to the bridge was completed in 2007. From Gig Harbor, Tacoma can be reached in under 20 minutes and Seattle in under an hour.

During a heavy storm in 1840, Captain Charles Wilkes brought the captain’s gig (small boat) into the harbor for protection. Later, with the publication of Wilkes 1841 map of the Oregon Territory, he named the sheltered bay Gig Harbor.

Source: Gig Harbor, Washington in Wikipedia

Top Car Dealerships Near Gig Harbor

Gene Pankey Motor
43 reviews
Used Car Dealers, Auto Loan Providers
7201 S Tacoma Way, Tacoma, WA 98409
Gig Harbor Automotive Service
12 reviews
Auto Repair, Oil Change Stations
4101 Harborview Dr, Gig Harbor, WA 98332
Grandview Motors
5 reviews
Used Car Dealers
3818 Grandview St, Gig Harbor, WA 98335
Titus-Will Toyota
125 reviews
Car Dealers
3506 S Sprague Ave, Tacoma, WA 98409

Top Places to See By Gig Harbor

Devoted Kiss Cafe
552 reviews
Breakfast & Brunch, Sandwiches
8809 N Harborview Dr, Ste 203, Gig Harbor, WA 98332
Netshed No. 9
417 reviews
Breakfast & Brunch, Waffles, American (Traditional)
3313 Harborview Dr, Gig Harbor, WA 98332
Il Lucano Ristorante Italiano
352 reviews
Italian, Gluten-Free
3119 Judson St, Gig Harbor, WA 98335
Tides Tavern
685 reviews
Pubs, American (Traditional), Seafood
2925 Harborview Dr, Gig Harbor, WA 98335