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Grant County WA Automobile Insurance [FAQ]
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You Do Not Want Auto Insurance Coverage… Up Until You Do

We write car and truck insurance for Grant County motorists and great deals of it. If you need to get the best car insurance coverage cheap, what would you do? Breathe easy, inexpensive car insurance coverage is our specialty. Let us be your insurance expert. We can easily get you protected immediately with immediate evidence of insurance coverage so you can relax.

If you got a ticket for no insurance, we can get you covered before you see the judge so that you can drive lawfully and potentially get your fine lowered. Our agency serves for Grant County and all of none and we are the general auto insurance professionals. No matter where you are driving in the state, farm, city, or on the freeway insurance is required. Just get yourself insured right away!

Find the protection you require at a price you can afford. We specialize in representing the progressive insurance providers that provide the best prices for typical american family car owners in Grant County.

Check Out Our Reviews

Anxious about who to rely on to manage your insurance requirements? Check out the terrific Google Reviews shared by our clients. Can 1300+ individuals be wrong? As soon as you’re all set to kick off your car or truck insurance coverage, contact us for a fast and complimentary quote. A regular car quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Vehicle insurance Grant County
Auto insurance Grant County

Are you required to have car insurance in Grant County Washington?

Washington state demands a driver in Grant County to be able to show financial responsibility either by having auto 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 vehicle insurance coverage.

What is the fine for no cars and truck insurance in Grant County Washington?

The penalty for driving a automobile in Grant County without insurance is up to $550. If you don’t have insurance coverage and are found at-fault in a crash, you could also have your license revoked for approximately 3 years and be required to file an SR22 to get your license restored.

What is the least expensive automobile insurance?

The cheapest car insurance you can purchase is basic liability protection. This pays for the damage you cause to somebody else up to your policy limits. It is the least amount of coverage Washington state authorizes. We definitely advise more coverage but the option is yours.
Car insurance Grant County

What company has the most affordable vehicle insurance coverage?

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

  • If your driving MVR is clear, you have good credit, and you have had greater liability limits for a a few years, Safeco and Progressive will most likely offer the very best rates for you.
  • If your driving record is clean however you haven’t had insurance or have simply been carrying the state minimum, Progressive and National General will most likely have the best rates for you.
  • If you have received a couple tickets or had a collision, Dairyland or National General will probably have the best rates for you.
  • If you have actually had more than two car accidents or are gathering citations like Pokemon, then The General or Kemper Specialty will most likely have the best rate for you.

Among the advantages of using an independent agent is that we represent numerous companies and can shop your insurance coverage for you and find you the very best price possible.

Am I really required to have vehicle insurance coverage?

Auto insurance coverage can be pricey, so you may ask yourself if you truly require it. Washington state does call for you to purchase a minimum required amount of liability insurance for a reason. And, believe it or not, it is not to make insurers rich. But is insurance coverage actually crucial?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic wrecks took place and 3,144,000 people were injured in those traffic collisions 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 traffic collision, you need responsibility insurance coverage aka liability insurance in order to render financial relief to the victims of the wreck.

Try to envision a country without car insurance. Whenever you took a drive, you would be risking your financial well being and your future income. Insurance coverage is designed to help safeguard you from expensive and in some cases ruinous incidents including legal costs if you are taken to court as a result of an accident.

The value of great insurance coverage is only exposed when you need it most. In other words, you don’t need insurance … until you do. #AccidentsHappen

5 Factors Why You Needed To Have Auto Insurance

  1. Pay for medical bills for you and your guests after a traffic collision
  2. Safeguard your house, savings accounts, and other possessions from a suit
  3. Protect the financial investment you have in your car
  4. Cover you, your guests, and your auto if hit by an uninsured motorist
  5. Save a lot of money later on by spending a little bit today

So, do you really need car insurance? Only if you wish to secure your assets and drive legally. Your other alternative is to get friendly with your local bus or uber driver.

What are the Washington auto insurance rules?

Washington state requires all drivers to have a minimal amount of liability insurance coverage to legally drive in the state. You are required by the Financial Liability Law to be able to show evidence of financial responsibility if you are driving a car. The simplest method to meet these requirements is to obtain auto insurance.

The minimum car insurance coverage 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 coverages have to be made available by the insurer however the law permits you to refuse them by signing a rejection form.

Not only should you have insurance, but the law also expects that any time you are operating a vehicle in the state, you should have the ability to present your proof of vehicle insurance coverage to the police.

Failure to present proof of insurance coverage when requested by a law enforcement officer is regarded as a violation and can lead to fines of approximately $550.

Car insurance Grant County

Can you buy Car insurance coverage without a driver’s license?

You can obtain automobile insurance even if you don’t have a driver license. You may well wonder why someone would want to but there are many good reasons somebody might want to, all involving protecting themselves and their stuff.

  • You don’t drive a car for health factors however you own a car and a relative or a caregiver drives for you.
  • Your license is suspended, you most likely want to get insurance and an SR22 filing so you can get your license back.
  • You’re trying to get your license and need to drive your learner’s permit prior to taking the driving test.
  • You don’t drive but you have a teenager who wishes to drive however you need to buy the vehicle in your name because they are a minor.
  • You have a foreign drivers license and are visiting the United States.

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

You are not lawfully required to have a drivers license in order to purchase car insurance coverage however the majority of the big-name insurance companies, like GEICO, State Farm, American Family, and Allstate, may not insure you without a driver’s’s license. Also, some representatives might not be familiar with how and why it can be done or might just not wish to deal with it and therefore will brush you off with a quick ‘sorry’. Let us assist. We know our stuff.

Car & Truck insurance Grant County

Can I simply get state minimum liability limits?

Bare minimum liability protection is seldom advisable yet it’s much better than no insurance at all, especially if you can not pay for a lot more.

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

If you only are carrying the state-required $10,000 property damage and strike a vehicle worth say $20,000, the insurance company will pay the $10,000 but you are accountable for the rest.

In essence, you are self-insuring for anything over the insurance coverage limits you have selected. If you don’t wish to have your income garnished or your possessions sold, seriously consider buying higher limits of liability.

Can I drive a car I recently bought without insurance coverage?

You can’t lawfully drive a car without having insurance. Even if you just now purchased it. Washington state mandates all vehicles driven on public roadways to be insured. The fact that you just acquired the automobile does not alter the requirement.

The good news is, if all your presently owned automobiles are covered by one insurer then the insurance coverage from those cars and trucks conveniently transfers for a couple of days (get in touch with your insurance agent to learn precisely the length of time).

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

How can I review insurance quotes?

To compare and choose the best quote, you will need to follow three steps:

  1. Ensure you are requesting each agent provide the exact same coverages
  2. Ensure you have each agent quote you with the very same driving MVR
  3. Ensure that you review the company’s on-line reputation

It is really simple for a company to have a lower price if they are offering less insurance coverage or are not including the exact same tickets and accidents. Ensure you’re getting a proper comparison. Select the same set of coverages, limits, and deductibles and also the same driving MVR for each quote you get.

Once you’ve received a few quotes, consider the helpfulness of the agent you talked with and how well they clarified things and if they recommended additional coverages. Then assess the agency’s Google Reviews to be sure they satisfy your criteria.

Now you are ready to select the insurance company that is the very best match for you and we hope it is us.

Car & Truck insurance Grant County

Who can I insure to drive my car or truck?

You should really add anyone that on a regular basis drives your auto onto your policy so there is no question of policy coverage should a car accident occur. Everybody in your home or that has routine use of your car ought to also be added given that virtually every policy obligates you divulge them and either include them as a driver or exclude them from policy coverage.

Where can I find the most affordable cars and truck insurance coverage

In some cases the least expensive rate is not the best deal. Are you getting the coverage you require? Does the insurance policy have coverages and exclusions that are satisfactory to you?

A simple method 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 switch some bogus dollar amount – you know it is a lie. They know it works.

If you are merely trying to find the most affordable rate you have a number of choices:

  • Stop getting tickets like others collect Pokemon.
  • Just purchase the protections you have to have.
  • Get quotes from a number of insurers. Each insurer weighs ranking 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.
  • Raise your deductibles.

Is Washington a no-fault automobile insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in a vehicle crash may share some responsibility when determining settlement for damages. Comparative negligence may permit both the person at-fault as well as the other party to recoup compensation for loss if they are partly liable for the wreck.
Auto insurance Grant County

When is a great Time to shop for insurance coverage?

When you move across major life milestones you really should reassess your vehicle insurance protections and check if you might get new discounts. Here are some of the times when your rates are likely to adjust. If the adjustment is substantial, it might be a good time for a requote.

  • Adding or removing a driver from your policy – can either raise or decrease your price depending upon the driver’s age and also driving history.
  • Adjustment of your credit score – if your score gets dramatically better, ask your agent if they can have your credit report re-ordered.
  • Moving – every postal code has a different price as well as every insurance company has different factors for those postal codes.
  • Putting on a teenage driver – They are 3x as prone to be involved in a wreck, so count yourself blessed if your rate only doubles.
  • Acquiring a new home – You might now be in a different rating postal code and also you may now get the home owner’s discount and the bundling discount.
  • Purchasing a new auto – the insurance company that had the lowest price for your one car might not be best with this car.
  • Car accident – You possibly will give up your Safe Driver Discount even if the wreck was not-at-fault.
  • Marriage or Divorce – Significant life change. May or may not change your rate
  • DUI or other major violation – If your present insurance company discovers it, you will certainly be seeing a price hike at your upcoming renewal.

Do you need vehicle insurance to get your drivers license

Vehicle insurance coverage is not needed to obtain your Washington driver’s license but when you take the driving test, you have to show to the trainer proof that the auto you are planning to use has insurance.

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

What are you waiting for?

Mid-Columbia Insurance partners 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 count on.

Additionally, due to the number of insurance companies we represent, we can insure most cars and trucks and most drivers even if they are considered a risky driver. No matter your driving MVR, if it is good, terrible, or scandalous, we can cover you.

What are you waiting on? Call us now at ( 509 )783-5600 or Request A Quote right here to get your totally free car quote.

Auto insurance Grant County

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
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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 Grant County

Grant County is a county located in the U.S. state of Washington. As of the 2010 census, the population was 89,120. The county seat is Ephrata, and the largest city is Moses Lake. The county was formed out of Douglas County in February 1909 and is named for U.S. President Ulysses S. Grant.

Grant County comprises the Moses Lake, WA Micropolitan Statistical Area, which is also part of the Moses Lake-Othello, WA Combined Statistical Area.

Native American cultures in the area included the Interior Salish, Wenatchi, and Okanagan. The first white settlers began to arrive in the mid-to-late-19th century, primarily with the goal of raising livestock. One government official described the area in 1879 as, “…a desolation where even the most hopeful can find nothing in its future prospects to cheer.”

Source: Grant County, Washington in Wikipedia

Top Car Dealerships Near Grant County

Barry Chrysler-Dodge-Jeep-Ram
18 reviews
Auto Repair, Car Dealers, Auto Parts & Supplies
548 Basin St SW, Ephrata, WA 98823
Bud Clary Ford of Moses Lake
11 reviews
Car Dealers
1140 S Pioneer Way, Moses Lake, WA 98837
Bud Clary Moses Lake Chrysler Dodge Jeep Ram
5 reviews
Auto Parts & Supplies, Auto Repair, Car Dealers
12174 N Frontage Rd E, Moses Lake, WA 98837
La Auto Rack
3 reviews
Car Dealers
415 S Pioneer Way, Moses Lake, WA 98837

Best Places to See By Grant County

Taqueria Covian
68 reviews
1105 Basin St SW, Ste B, Ephrata, WA 98823
Pita Pit
24 reviews
Sandwiches, Mediterranean, Fast Food
26 Basin St Norhtwest, Ephrata, WA 98823
The Bookery
18 reviews
Bookstores, Coffee & Tea, Cafes
1 Basin St NW, Ephrata, WA 98823
Time Out
30 reviews
Pizza, Burgers
1095 Basin St SW, Ephrata, WA 98823