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Kitsap County WA Car & Truck Insurance [FAQ]
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You Do Not Need Car Insurance… Until You Do

We write car insurance for Kitsap County residents and great deals of it. If you desire to get the very best auto insurance inexpensively, what would you do? Relax, affordable auto insurance coverage is our job. Allow us to be your insurance expert. We can easily get you protected now with instant proof of insurance so you can relax.

If you received a driving without insurance ticket, our team can get you covered before you see the judge so that you can drive your car worry free and possibly get your court fine lowered. Mid-Columbia Insurance offers insurance for Kitsap County and all of Kitsap County, “https://en.wikipedia.org/wiki/Kitsap_County,_Washington”,47.64, -122.65 and we are the general vehicle insurance specialists. No matter where you are driving in the state, farm, city, or on the freeway insurance is necessary. Just get yourself covered now!

Find the coverage you require at a price you can manage. We focus on representing the progressive insurance companies that offer the very best rates for common american family motorists in Kitsap County.

Our Client’s Reviews Speak for Us

Anxious about who to trust to handle your insurance requirements? Have a look at the fantastic Google Reviews shared by our customers. Can 1300+ individuals be wrong? When you’re ready to start your car insurance coverage, connect with us for a quick and totally free insurance quote. A basic car or truck quote from us is more affordable than All State Farm Ers.

Automobile insurance Kitsap County
Vehicle insurance Kitsap County

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

Washington state demands all drivers in Kitsap County to be able to show financial responsibility either by having vehicle 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 car insurance coverage.

What is the fine for driving without vehicle insurance in Kitsap County Washington?

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

What is the cheapest car insurance?

The cheapest car or truck insurance you can purchase is basic liability coverage. This covers any damage you trigger to somebody else up to your policy limits. It is the least amount of coverage Washington state authorizes. We definitely suggest more protection but the option is yours.
Car insurance Kitsap County

Who has the most inexpensive automobile insurance?

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

  • If your driving history is clear, you have excellent credit, and you have carried greater liability limits for a number of years, Safeco or Progressive will more than likely offer the very best rates for you.
  • If your driving history is spotless but you don’t currently have insurance or have simply been carrying the state minimum, Progressive and National General will most likely offer the very best rates for you.
  • If you have collected a couple tickets or had a crash, Dairyland or National General will probably have the very best rates for you.
  • If you have actually had more than two wrecks or are hoarding citations like they are Pokemon, then Kemper Specialty and The General will most likely have the best price for you.

Among the advantages of partnering with an independent insurance agency is that we have several insurers and can shop your insurance for you and find you the very best price possible.

Am I truly required to carry car insurance coverage?

Vehicle insurance can be pricey, so you may ask yourself if you truly require it. Washington state does mandate you to possess a minimal level of liability insurance coverage for a reason. And, believe it or not, it is not to make insurers rich. And yet is insurance coverage actually crucial?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic accidents happened and 3,144,000 individuals were hurt in those traffic collisions and 37,461 people died, approximately 102 individuals each 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 aka liability insurance in order to render monetary relief to the victims of the car accident.

Try to envision a country without automobile insurance. Each time you went for a drive, you would be risking your financial well being and your future income. Insurance is created to assist secure you from costly and sometimes devastating surprises including legal costs if you are taken to court as a result of a traffic collision.

The value of great insurance coverage is only shown when you need it most. To put it simply, you do not require insurance … till you do. #AccidentsHappen

5 Reasons Why You Needed To Have Automobile Insurance Coverage

  1. Save a great deal of cash later on by paying a bit right now
  2. Cover you, your passengers, and your automobile if struck by an uninsured driver
  3. Secure the financial investment you have in your automobile
  4. Protect your house, savings accounts, and other possessions from a lawsuit
  5. Pay for hospital bills for you and your guests after an accident

So, do you actually need to get car or truck insurance coverage? Just if you want to secure your properties and drive legally. Your other alternative is to get friendly with your local bus or uber driver.

What are the Washington vehicle insurance coverage rules?

Washington state requires all car drivers to have a minimal level of liability insurance to legally operate a vehicle in the state. You are required by the Financial Liability Law to be able to provide proof of financial responsibility if you are driving a vehicle. The most convenient way to meet these requirements is to obtain auto insurance.

The minimum automobile 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 Protection: $10,000 per accident

Personal Injury Protection and Uninsured Motorist coverages have to be made available by the insurer but the law allows you to reject them by signing a rejection form.

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

Failure to present proof of insurance when asked for by a policeman is regarded as an offense and can lead to penalties of approximately $550.

Auto insurance Kitsap County

Can you buy Car insurance coverage without a drivers license?

You can buy auto insurance despite the fact that you don’t have a driver’s license. You might question why someone would want to but there are many good reasons somebody might want to, all having to do with safeguarding themselves and their stuff.

  • You have a foreign drivers license and are visiting the United States.
  • You’re trying to get your license and require drive your learner’s permit prior to taking the driving test.
  • You don’t drive but you have a teen who wants to drive however you need to purchase the car in your name since they are underage.
  • Your license is suspended, you probably need to get insurance and an SR22 filing so you can get your license back.
  • You don’t drive for health reasons but you own a car or truck and a family members or a caretaker drives for you.

In all these scenarios 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 driver license in order to get car insurance coverage however most of the prominent insurance companies, like GEICO, Allstate, State Farm, and American Family, will not insure you without a drivers’s license. Likewise, some agents might not know how and why this can be done or may just not want to be bothered and for that reason will brush you off with a quick ‘no’. Let us assist. We know our stuff.

Auto insurance Kitsap County

Can I just buy state minimum limits?

Bare minimum liability insurance coverage is hardly ever suggested but it’s better than no insurance at all, specifically if you can’t budget for extra.

If you have no savings or assets, minimal liability coverage might be enough yet it would not be enough to cover severe injuries or to repair/replace a more recent automobile. Without adequate insurance, your future income may be garnished to cover the damage you trigger.

If you just 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 but you will be accountable for the remainder.

Essentially, you are self-insuring for anything over the insurance limits you have picked. If you do not wish to have your wages garnished or your properties sold, seriously take into consideration acquiring higher limits of liability.

Can I drive a car I recently bought without insurance?

You cannot lawfully drive a car or truck without having insurance. Even if you just bought it. Washington state mandates all cars driven on public roadways to be properly insured. The fact that you just now bought the vehicle does not change the requirement.

Fortunately, if all your existing owned cars are covered by one insurance company then the coverage for those vehicles by default transfers for a couple of days (contact your insurance agent to find out specifically how long).

If all of your automobiles are not insured with a single insurance company, you will wish to call your agent before you drive off the lot. If you do not have insurance coverage, you will certainly want to call Mid-Columbia Insurance prior to driving off the lot

How do I review insurance coverage quotes?

To review and identify the most ideal insurance quote, you will want to follow three steps:

  1. Be sure you are requesting each company provide the identical insurance coverages
  2. Make sure you have each agent quote you with the very same driving history
  3. Ensure you review the company’s on-line reviews

It is very simple for an insurance company to have a lower price tag if they are giving less protection or are not including the same tickets and car accidents. Make sure you’re receiving a proper comparison. Select the same set of coverages, limits, and deductibles and the same driving history for every quote you request.

When you’ve gotten a few car insurance quotes, factor in the helpfulness of the representative you spoke to and how well they described things and if they recommended additional coverages. Then review the agency’s Google Reviews to make sure they meet your criteria.

Now you are ready to choose the company that is the very best suit for you and we trust it is Mid-Columbia Insurance.

Auto insurance Kitsap County

Who can I add to drive my vehicle?

You should really list anybody who repeatedly drives your vehicle onto your insurance policy so there is no doubt of policy coverage should a traffic collision occur. Anyone in your household or who has frequent access to your automobile ought to likewise be included given that virtually every policy requires you to disclose them and either list them as a driver or exclude them from coverage.

Where can I buy the cheapest car insurance coverage

In some cases the least expensive price is not the very best price. Are you getting the coverage you need? Does the insurance policy have limits and exclusions that are reasonable to you?

An easy way for an insurance company to have low rates is to fight every claim. Choose a company with an excellent track record and not a company whose only marketing 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 merely searching for the lowest price you have a number of choices:

  • Stop receiving tickets like others collect Pokemon.
  • Raise your deductibles.
  • Just carry the coverages you need to have.
  • Get quotes from a number of companies. Each insurance companies weighs ranking elements in a different way so prices can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous companies for you.

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 a vehicle wreck might share some responsibility when establishing settlement for damages. Comparative negligence may enable both the claimant as well as the plaintiff to recover settlement for loss if they are partly responsible for the crash.
Vehicle insurance Kitsap County

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

When you cross significant life milestones you should really reassess your car insurance protections as well as check if you qualify for more discounts. Here are times when your prices are likely to change. If the adjustment is substantial, it may be a great time for a requote.

  • Crash – You most likely will give up your Safe Driver Discount even if the wreck was not your fault.
  • Adding a teen driver – Teens are three times as likely to have a car accident, so consider yourself lucky if your rate just doubles.
  • DUI or other significant infraction – If your present company finds out, you will be seeing a price hike at your following renewal.
  • Buying a new automobile – the insurance company that had the best rate for your old vehicle may not be best with the new one.
  • Adding or taking off a driver from your plan – might either raise or decrease your price depending on their age and driving MVR.
  • Change of your credit rating – if it 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 price
  • Getting a new home – You might now be in a new rating zip code as well as you might now qualify for the homeowner’s discount and also the bundling discount.
  • Moving – every zip code has a different rate and also every company has different factors for those zip codes.

Do you need automobile insurance to get your driver license

Automobile insurance coverage is not required to obtain your Washington driver’s license however when you take the driving examination, you need to present to the instructor evidence that the vehicle you are planning to use has insurance.

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

Why are you waiting?

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

Likewise, 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. Despite your driving history, if it is good, terrible, 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 get your totally free vehicle quote.

Car insurance Kitsap 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 Kitsap County

Kitsap County is located in the U.S. state of Washington. As of the 2010 census, its population was 251,133. Its county seat is Port Orchard, and its largest city is Bremerton. The county was formed out of King County and Jefferson County on January 16, 1857, and is named for Chief Kitsap of the Suquamish Tribe. Originally named Slaughter County, it was soon renamed.

Kitsap County comprises the Bremerton-Silverdale, WA Metropolitan Statistical Area, which is also included in the Seattle-Tacoma, WA Combined Statistical Area.

The United States Navy is the largest employer in the county, with installations at Puget Sound Naval Shipyard, Naval Undersea Warfare Center Keyport, and Naval Base Kitsap (which comprises former NSB Bangor, and NS Bremerton).

Source: Kitsap County, Washington in Wikipedia

Top Car Dealerships Near Kitsap County

Liberty Bay Auto Center
44 reviews
Auto Repair, Auto Parts & Supplies, Used Car Dealers
20201 Front St NE, Poulsbo, WA 98370
Advantage Used Car and Truck Center
1 review
Auto Repair, Car Dealers, Auto Loan Providers
5012 Auto Center Blvd, Bremerton, WA 98312
Kimbrell Auto Sales
4 reviews
Used Car Dealers, Auto Repair, Auto Detailing
9549 Silverdale Way NW, Silverdale, WA 98383
Port Orchard Ford
89 reviews
Auto Repair, Car Dealers, Auto Parts & Supplies
1215 Bay St, Port Orchard, WA 98366

Best Places to Visit Around Kitsap County

Oak Table Cafe
600 reviews
American (New), Breakfast & Brunch
3290 Mount Vintage Way, Silverdale, WA 98383
Silver City Restaurant & Brewery
800 reviews
Breweries, American (New)
2799 NW Myhre Rd, Silverdale, WA 98383
Heidi Teriyaki Express
158 reviews
Japanese, Vietnamese
3014 NW Bucklin Hill Rd, Silverdale, WA 98383
Moctezuma’s Mexican Restaurant & Tequila Bar
445 reviews
Bars, Mexican
10315 Silverdale Way NW, Ste J-03, Kitsap Mall, Silverdale, WA 98383