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Jefferson County WA Vehicle Insurance Coverage [FAQ]
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You Do Not Really Need Auto Insurance… Up Until You Do

We write car and truck insurance for Jefferson County motorists. And great deals of it. If you need to get the best car and truck insurance at a low-price, what would you do? Relax, reasonable vehicle insurance is our game. Let us be your insurance shopper. We can get you properly insured today with instant evidence of insurance coverage so you can drive safe.

If you acquired a driving without insurance ticket, you can get properly insured before you see the judge so you can drive without worry and perhaps get your ticket minimized. Our agency serves for Jefferson County and all of none 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 necessary. Simply get yourself covered today!

Choose the protection you require at a rate you can manage. We specialize in representing the progressive insurers that offer the very best rates for typical american family drivers in Jefferson County.

Our Client’s Reviews Speak for Us

Anxious about who to count on to manage your insurance needs? Check out the fantastic Google Reviews shared by our clients. Can 1300+ individuals be wrong? When you’re prepared to start your car insurance, talk to us for a fast and free quote. A regular car insurance quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Car & Truck insurance Jefferson County
Vehicle insurance Jefferson County

Do you need to have vehicle insurance coverage in Jefferson County Washington?

Washington state requires all drivers in Jefferson County to be able to prove 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 help you with the auto insurance coverage.

What is the penalty for driving without car insurance coverage in Jefferson County Washington?

The fine for driving a vehicle in Jefferson County without having insurance can be as much as $550. If you are without insurance coverage and are at-fault in a collision, you might also have your license suspended for up to 3 years and be mandated to file an SR22 to get your license restored.

What is the cheapest vehicle insurance coverage?

The least expensive cars and truck insurance coverage you can acquire is basic liability coverage. This covers the damage you trigger to someone else up to your policy limits. It is the least amount of coverage Washington state allows. We definitely recommend more protection however the option is yours.
Vehicle insurance Jefferson County

Who has the most inexpensive automobile insurance?

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

  • If your driving history is clear, you have great credit, and you have actually paid for higher liability limits for a a few years, Progressive and Safeco will probably offer the very best prices for you.
  • If your driving history is spotless but you do not currently have insurance or have simply been carrying the state minimum, Progressive and National General will probably offer the very best rates for you.
  • If you have collected a couple tickets or had an accident, National General or Dairyland will probably have the best rates for you.
  • If you have had more than 2 collisions or are receiving tickets like they are Pokemon, then The General or Kemper Specialty will most likely offer the very best price for you.

One of the advantages of working with an independent insurance agent is we partner with several insurers and can quote your insurance coverage for you and find you the very best price possible.

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

Car insurance coverage can be pricey, so you may ask yourself if you actually need to get it. Washington state does require you to purchase a minimum level of liability insurance coverage for a reason. And, whether you believe it or not, it is not to make insurance providers rich. And yet is insurance coverage really required?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 approximately 7,277,000 police-reported traffic crashes occurred and 3,144,000 individuals were hurt in those wrecks and 37,461 individuals died, approximately 102 individuals each day, one fatality 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 render financial relief to the victims of the accident.

Try to imagine a country without car insurance. Each time you went for a drive, you would be risking your financial well being and your future paychecks. Insurance is developed to help secure you from expensive and in some cases ruinous incidents including legal expenses if you are taken to court as a result of a crash.

The value of great insurance coverage is only revealed when you need it most. Simply put, you don’t require insurance coverage … up until you do. #AccidentsHappen

5 Factors Why You Needed To Have Automobile Insurance

  1. Cover you, your guests, and your vehicle if struck by an uninsured motorist
  2. Safeguard the investment you have in your car
  3. Save a great deal of cash later on by spending a little bit now
  4. Pay for hospital costs for you and your passengers after an accident
  5. Protect your house, savings accounts, and other investments from a claim

So, do you really need vehicle insurance? Only if you want to secure your possessions and drive lawfully. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington state auto insurance rules?

Washington state mandates all drivers to carry a minimal level of liability insurance coverage to lawfully 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 an automobile. The easiest way to fulfill these requirements is to obtain automobile insurance coverage.

The minimum vehicle 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 need to be offered by the insurance company but the law allows you to reject them by signing a rejection form.

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

Failure to present evidence of coverage when asked by a cop is regarded as a violation and can lead to penalties of approximately $550.

Vehicle insurance Jefferson County

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

You can buy auto insurance despite the fact that you don’t have a driver’s license. You might question why somebody would need to however there are several legitimate reasons someone may wish to, all involving safeguarding themselves and their possessions.

  • You don’t drive for health factors however you own a car 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 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 drive your learner’s permit prior to taking the driving test.
  • You don’t drive but you have a teen who wishes to drive but you need to buy the car or truck in your name since they are underage.

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

You are not legally obligated to have a drivers license in order to get car insurance coverage however the majority of the prominent insurance companies, like American Family, State Farm, Allstate, and GEICO, will not insure you without a driver’s license. Likewise, some agents may not be familiar with how and why this can be done or may just not wish to deal with it and therefore will brush you off with a fast ‘sorry’. Let us assist. We know our stuff.

Car insurance Jefferson County

Can I just get state minimum limits?

Bare minimum liability protection is seldom advisable however it’s far better than no insurance coverage whatsoever, particularly if you can not afford extra.

If you don’t have any savings or assets, minimal liability insurance coverage might be enough however it would certainly not suffice to take care of severe injuries or to repair/replace a more recent car or truck. Without sufficient coverage, your future wages may be garnished to cover the damage you cause.

If you only have the state-required $10,000 property damage and strike an auto worth say $20,000, the insurance provider will certainly pay the $10,000 however you are responsible for the remainder.

In essence, you are self-insuring for anything over the insurance limits you have chosen. If you do not wish to have your income garnished or your assets sold, seriously take into consideration getting greater limits of liability.

Can I drive a car I recently purchased without insurance?

You can not lawfully drive an automobile without insurance. Even if you recently bought it. Washington state mandates all autos driven on public roadways to be insured. The fact that you just purchased the car or truck does not alter the requirement.

The good news is, if all your presently owned cars are covered by one insurance provider then the coverage on those vehicles conveniently transfers for a few days (contact your insurance provider to find out exactly for how long).

If every one of your cars are not insured with a single insurer, you will wish to call your company before you drive off the lot. If you do not have insurance, you should call Mid-Columbia Insurance before you drive off with the car

How can I analyze insurance coverage quotes?

To analyze and find the best quote, you need to consider 3 steps:

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

It is really simple for an insurer to have a reduced price tag if they are offering reduced coverage or are not taking account of the same tickets and accidents. Make certain you’re getting a proper comparison. Select the exact same set of protections, limits, and deductibles and the very same driving history for every quote you request.

Once you’ve obtained a few car quotes, factor in the helpfulness of the agent you spoke to and how well they clarified things and also if they suggested additional insurance coverages. Then assess the insurer’s Google Reviews to make certain they satisfy your criteria.

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

Car insurance Jefferson County

Who can I cover to drive my car or truck?

You should add anyone that routinely drives your automobile onto your insurance plan so there is no doubt of insurance coverage if a crash takes place. Any individual in your house or who has regular access to your vehicle ought to likewise be included because virtually every policy obligates you divulge them and either add them as an operator or exclude them from coverage.

Where can I receive the most affordable auto insurance coverage

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

A basic method for an insurance provider to have low rates is to deny every claim. Choose an insurance company with a great track record and not an insurer whose only advertising has to do with saving you 15% or saving those who switch some phony dollar amount – you understand it is a lie. They know it works.

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

  • Just carry the coverages you have to have.
  • Raise your deductibles.
  • Get quotes from a variety of agencies. Each insurer weighs ranking factors differently so costs can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple insurance companies for you.
  • Stop getting tickets like others gather Pokemon.

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 wreck may share some responsibility when figuring out settlement for damages. Comparative negligence may permit both the claimant and the plaintiff to recover payment for loss if they are partly responsible for the crash.
Car insurance Jefferson County

When is the best time to buy insurance coverage?

When you navigate significant life milestones you need to reassess your automobile insurance protections as well as confirm if you might get better discounts. Listed below are some points when your prices are likely to adjust. If the change is significant, it may be time to request a requote.

  • Update of your credit history – if it dramatically improves, ask your agent if they can have your credit report re-ordered.
  • Adding a teen driver – Teens are three times as likely to be involved in a wreck, so consider yourself lucky if your price only doubles.
  • Marriage or Divorce – Major life change. May or may not change your price
  • Acquiring a new car – the insurance company that had the very best price for your one car may not be best with the new one.
  • DUI or other major offense – If your current insurance company learns about it, you will be seeing a price hike at your following renewal.
  • Putting on or removing a driver from your policy – can either increase or decrease your rate depending on the driver’s age as well as their driving MVR.
  • Purchasing a home – You may now live in a different rating zip code and also you might get the homeowner’s discount and the bundling discount.
  • Car accident – You probably will lose your Safe Driver Discount even if the wreck was not-at-fault.
  • Relocating – every postal code has a different rate and also every company has different variables for those postal codes.

Are you required to have cars and truck insurance coverage to get a drivers license

You don’t need car insurance coverage to obtain your Washington driver’s license yet when you take the driving test, you must present to the instructor proof that the auto you are planning to use has insurance.

So, if the auto belongs to another person, you can simply present the owner’s insurance to the examiner. Just make sure, for your security and also the automobile owner’s, that their insurance will cover you as a vehicle driver.

Why are you waiting?

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

Also, because of the number of insurers we represent, we can cover most cars and most drivers even if they are categorized as a risky driver. No matter your driving MVR, if it is great, bad, or ugly, we should be able insure you.

Why just sit there? Call us right now at ( 509 )783-5600 or Ask for A Quote right here to obtain your free auto insurance quote.

Car insurance Jefferson 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 Jefferson County

Jefferson County is a county located in the U.S. state of Washington. As of the 2010 census, the population was 29,872. The county seat and only incorporated city is Port Townsend. The county is named for Thomas Jefferson.

Jefferson County was formed out of Thurston County on December 22, 1852, by the legislature of Oregon Territory, and included the northern 4,854 square miles (12,571.8 km2) portion of the Olympic Peninsula. On April 26, 1854, the legislature of Washington Territory created Clallam County from the northwestern 2,670 square miles (6,915.3 km2) portion of this original area.

The Hood Canal Bridge connects Jefferson County to Kitsap County, Washington. The Coupeville-Port Townsend route of the Washington State Ferries connects the county to Whidbey Island in Island County, Washington.

Source: Jefferson County, Washington in Wikipedia

Best Car Dealerships Near Jefferson County

Ruddell Auto
35 reviews
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110 S Golf Course Rd, Port Angeles, WA 98362
Gray Motors Inc
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1937 E 1st St, Port Angeles, WA 98362
Wilder Auto Center
31 reviews
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53 Jetta Way, Port Angeles, WA 98362
Wilder Auto Center – Service
13 reviews
Auto Repair
53 Jetta Way, Port Angeles, WA 98362

Best Places to Visit Near Jefferson County

First Street Haven
412 reviews
Breakfast & Brunch, American (Traditional)
107 E 1st St, Port Angeles, WA 98362
Kokopelli Grill
678 reviews
Seafood, American (Traditional)
203 E Front St, Port Angeles, WA 98362
Little Devil’s Lunchbox
251 reviews
Mexican, Sandwiches, Salad
315 E 1st St, Port Angeles, WA 98362
Olympic National Park
131 reviews
600 E Park Ave, Port Angeles, WA 98362