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Island County WA Vehicle Insurance [FAQ]
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You Don’t Really Need Auto Insurance… Till You Do
#AccidentsHappen

We write car insurance for Island County residents. And great deals of it. If you desire to get the very best auto insurance coverage affordablely, what would you do? Kick back, cheap vehicle insurance is our game. Allow us to be your insurance finders. We can get you insured immediately with instant proof of insurance coverage so you can relax.

If you got a no-insurance ticket, you can get properly insured before you go to court so that you can drive your car worry free and perhaps get your fine decreased. Mid-Columbia Insurance offers insurance for Island County and all of none and we are the general vehicle insurance professionals. No matter where you are driving in the state, farm, city, or on the freeway insurance is required. Merely get yourself insured today!

Choose the protection you require at a rate you can afford. We specialize in representing the progressive insurance companies that have the very best prices for typical american family car owners in Island County.

Our Client’s Reviews Speak for Us

Concerned about who to count on to handle your insurance coverage needs? Take a look at the great Google Reviews shared by our clients. Can 1300+ individuals be wrong? As soon as you’re ready to get your vehicle insurance coverage started, reach out to us for a fast and free quote. A general car or truck quote from Mid-Columbia Insurance is much cheaper than All State Farm Ers.

Car insurance Island County
Automobile insurance Island County

Do you need to have vehicle insurance in Island County Washington?

Washington state expects a driver in Island County to be able to show 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 get you started with the car insurance coverage.

What is the fine for no vehicle insurance in Island County Washington?

The fine for driving a automobile in Island County without any insurance is up to $550. If you don’t have insurance coverage and are found at-fault in a collision, you might also have your license revoked for as much as 3 years and be expected to file an SR22 to get your license restored.

What is the most inexpensive car insurance coverage?

The cheapest auto insurance coverage you can buy is basic liability protection. This covers the damage you cause to another person up to your policy limits. It is the least amount of protection Washington state allows. We definitely recommend more protection however the choice is yours.
Auto insurance Island County

Who has the cheapest car insurance coverage?

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

  • If your driving history is clean, you have great credit, and you have paid for higher liability limits for a several years, Safeco and Progressive will most likely have the very best prices for you.
  • If your driving record is clean but you do not currently have insurance or have simply been carrying the state minimum, National General or Progressive will probably offer the very best prices for you.
  • If you have actually picked up a couple tickets or had a collision, National General or Dairyland will most likely have the very best rates for you.
  • If you have had more than 2 car accidents or are receiving citations like they are Pokemon, then The General or Kemper Specialty will most likely have the best price for you.

Among the advantages of working with an independent insurance agent is that we partner with several companies and can look around your insurance coverage for you and find you the very best price possible.

Do I truly need to have automobile insurance coverage?

Auto insurance can be expensive, so you might ask yourself if you truly require it. Washington state does call for you to carry a minimal amount of liability insurance coverage for a reason. And, believe it or not, it is not to make insurance companies abundant. And yet is insurance truly necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 approximately 7,277,000 police-reported traffic accidents happened and 3,144,000 individuals were hurt in those wrecks and 37,461 individuals were killed, an average of 102 individuals every day, one death every 14 minutes.

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

Attempt to picture a country without vehicle insurance. Whenever you took a drive, you would be risking your financial well being and your future income. Insurance is created to assist secure you from costly and in some cases ruinous surprises including legal expenses if you are brought to justice due to a wreck.

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

5 Factors Why You Need Automobile Insurance

  1. Save a lot of money later by paying a bit now
  2. Pay for medical bills for you and your guests after a crash
  3. Cover you, your passengers, and your auto if hit by an uninsured motorist
  4. Secure the investment you have in your automobile
  5. Safeguard your home, savings accounts, and other investments from a suit

So, do you actually need to have car or truck insurance coverage? Only if you wish to safeguard your properties and drive legally. Your other option is to get friendly with your local bus or uber driver.

What are the Washington vehicle insurance coverage regulations?

Washington state requires all drivers to carry a minimal level of liability insurance coverage to lawfully drive a vehicle in the state. You are expected by the Financial Liability Law to be able to provide proof of financial responsibility if you are driving a motor vehicle. The easiest way to satisfy these requirements is to get 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 must be offered by the insurer but the law permits you to refuse them by signing a rejection form.

Not only must you have insurance coverage, but the law also requires that any time you are operating a vehicle in the state, you must be able to show your evidence of car insurance coverage to law enforcement.

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

Car & Truck insurance Island County

Can you get Automobile insurance without a driver’s license?

You can purchase auto insurance coverage even when you don’t have a driver license. Someone might wonder why somebody would need to but there are a number of legitimate reasons someone might , all having to do with protecting themselves and their possessions.

  • You have a foreign drivers license and are visiting the United States.
  • You don’t drive but you have a teenager who wishes to drive but you have to purchase the automobile in your name given that they are underage.
  • You do not operate a vehicle for health factors but you own a vehicle and a relative or a caregiver drives for you.
  • Your license is suspended, you probably need to get insurance and an SR22 filing so you can get your license back.
  • You’re trying to get your license and need to practice with your learner’s permit before taking the driving test.

In all these situations and more we can assist you to get insurance coverage even if don’t have a driver license.

You are not lawfully required to have a drivers license in order to purchase car or truck insurance however most of the big-name insurance providers, like American Family, State Farm, Allstate, and GEICO, will not insure you without a driver’s’s license. Also, some agents may not know how and why it can be done or may just not wish to deal with it and for that reason will brush you off with a fast ‘sorry’. Let us help. We know our stuff.

Automobile insurance Island County

Should I simply buy state minimum liability limits?

Bare minimum liability protection is hardly ever a good idea yet it’s much better than no insurance coverage at all, especially if you can not afford more.

If you have no savings or assets, minimal liability protection might be adequate however it would certainly not suffice to pay for significant injuries or to repair/replace a newer automobile. Without enough insurance, your future wages may be garnished to cover the damage you cause.

If you just are carrying the state-required $10,000 property damage and wreck a car or truck worth say $20,000, the insurer will pay the $10,000 however you are responsible for the remainder.

In essence, you are self-insuring for anything over the insurance coverage limits you have actually chosen. If you don’t wish to have your salary garnished or your assets sold, seriously take into consideration acquiring higher limits of liability.

Can I drive an automobile I recently purchased without insurance coverage?

You can not legally drive a vehicle without insurance coverage. Even if you recently purchased it. Washington state mandates all cars driven on public roads to be insured. The fact that you just now bought the car or truck does not change the requirement.

Luckily, if all your presently owned cars are insured by one insurance provider then the coverage for those vehicles automatically transfers for a few days (check with your insurance agent to find out exactly the length of time).

If all of your automobiles are not insured with one company, you will wish to call your representative before you drive off the lot. If you do not have insurance, you ought to call Mid-Columbia Insurance prior to driving off the lot

How do I compare insurance quotes?

To compare and choose the most ideal quote, you will need to observe three steps:

  1. Ensure you are asking each insurer for the exact same coverages
  2. Ensure that you have each insurer quote you with the same driving MVR
  3. Make certain you assess the agency’s online reputation

It is very easy for an agent to have a reduced price tag if they are giving less insurance coverage or are not including the exact same tickets and wrecks. Ensure you’re getting a correct comparison. Select the exact same set of coverages, limits, and deductibles and also the exact same driving record for every quote you obtain.

When you’ve obtained a handful of auto quotes, think about the helpfulness of the representative you talked to and how well they explained things and also if they recommended other insurance coverages. Then take a look at the insurer’s Google Reviews to make certain they satisfy your requirements.

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

Automobile insurance Island County

Who can I add to drive my car?

You should list everyone that habitually drives your car or truck onto your insurance policy so there is no doubt of policy coverage if an accident takes place. Anyone in your household or that has regular access to your vehicle needs to also be included since nearly every plan mandates you to reveal them and either include them as an operator or exclude them from policy coverage.

How can I find the cheapest cars and truck insurance coverage

Often the least expensive rate is not the best price. Are you getting the coverage you need? Does the policy have limits and exclusions that are acceptable to you?

An easy way for an insurance provider to have low rates is to deny every claim. Pick a company with a good reputation and not an insurance company whose sole advertising is about saving you 15% or saving those who change some phony dollar amount – you know it is a lie. They know it works.

If you are just searching for the lowest rate you have a number of alternatives:

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

Is Washington a no-fault automobile 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 car accident may share some responsibility when calculating compensation for damages. Comparative negligence might allow both the claimant and the plaintiff to recoup payment for damages if they are partly at fault for the accident.
Automobile insurance Island County

When is it a great Time to look for insurance?

When you navigate significant life situations you ought to reassess your automobile insurance policy coverages and evaluate if you might get new discounts. Below are some points when your rates are most likely to adjust. If the change is significant, it may be time get a new quote.

  • Buying a new auto – the company that had the very best price for your previous vehicle may not be best with the new vehicle.
  • Putting on a teen driver – They are three times as likely to be involved in a crash, so count yourself lucky if your insurance premium just doubles.
  • DUI or other major infraction – If your present insurance company learns about it, you will certainly be seeing a price hike at your following renewal.
  • Change of your credit report – if your score gets significantly better, ask your agent if they can re-order your credit history.
  • Marriage or Divorce – Major life change. May or may not affect your rate
  • Wreck – You possibly will forfeit your Safe Driver Discount even if the wreck was not your fault.
  • Putting on or taking off a driver from your plan – could either raise or decrease your price depending on the driver’s age and also driving MVR.
  • Getting a home – You might now live in a different rating postal code as well as you may now get the home owner’s discount and also the bundling discount.
  • Moving – every postal code has a different rate and every insurer has different variables for each zip code.

Do you need automobile insurance coverage to get your drivers license

You don’t require automobile insurance to obtain your Washington driver’s license yet when you take the driving test, you have to present to the instructor evidence that the automobile you are planning to use has insurance.

So, if the automobile belongs to another person, you can just present the owner’s insurance to the driving instructor. Just make certain, for your safety and the car or truck owner’s, that their plan will cover you as a vehicle driver.

What are you waiting for?

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

Also, due to the number of insurance companies we work with, we can cover most vehicles and most drivers even if they are considered a high-risk driver. No matter your driving history, if it is great, poor, or ugly, we should be able insure you.

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

Vehicle insurance Island 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
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 Island County

Island County is a county located in the U.S. state of Washington. As of the 2010 census, its population was 78,506. Its county seat is Coupeville, while its largest city is Oak Harbor.

The county’s name reflects the fact that it is composed entirely of islands. It contains two large islands, Whidbey and Camano, and seven smaller islands (Baby, Ben Ure, Deception, Kalamut, Minor, Smith, and Strawberry). Island County was created out of Thurston County on December 22, 1852, by the legislature of Oregon Territory, and is the eighth-oldest county in Washington. It originally encompassed what are now Snohomish, Skagit, Whatcom, and San Juan Counties.

Island County comprises the Oak Harbor, Washington Micropolitan Statistical Area, which is also included in the Seattle–Tacoma, WA Combined Statistical Area.

Source: Island County, Washington in Wikipedia

Top Car Dealerships Near Island County

Simple Car Company
4 reviews
Used Car Dealers
+13606756555
33490 State Route 20, Oak Harbor, WA 98277
Cooper Auto Sales and Rentals
4 reviews
Car Rental, Car Dealers
+13603412949
9158 State Rt 525, Clinton, WA 98236
Oak Harbor Motors
14 reviews
Car Dealers, Auto Parts & Supplies, Auto Repair
+13606755901
75 SE Pioneer Way, Oak Harbor, WA 98277
Mission Motors
5 reviews
Used Car Dealers
+13609392617
9922 WA-532, Stanwood, WA 98292

Top Things to Do Near Island County

Whidbey Pies Cafe
125 reviews
Cafes, Breakfast & Brunch
+13606781288
765 Wonn Rd, Greenbank, WA 98253
Cama Beach Cafe & Catering
62 reviews
Cafes
+13603873266
1880 SW Camano Dr, Camano Island, WA 98282
Fort Casey Historical State Park
65 reviews
Parks
+13606784519
1280 Engle Rd, Unit B, Coupeville, WA 98239
Cama Beach State Park
40 reviews
Parks
+13603877542
1880 SW Camano Dr, Camano Island, WA 98282