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Kittitas County WA Auto Insurance Coverage [FAQ]
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You Don’t Need Vehicle Insurance… Up Until You Do
#AccidentsHappen

We write car and truck insurance for Kittitas County motorists. And great deals of it. If you desire to get the best car insurance coverage at a low-cost, what would you do? Breathe easy, low-priced car insurance is our job. Let us be your insurance expert. We can easily get you insured right now with immediate proof of insurance coverage so you can drive safe.

If you have a no-insurance ticket, our team can get you covered before you see the judge so that you can drive your car legally and potentially get your ticket reduced. Mid-Columbia Insurance offers insurance for Kittitas County and all of none and we are the general car and truck insurance professionals. No matter where you are driving in the state, farm, city, or on the freeway insurance is necessary. Just get yourself covered right now!

Discover the protection you want to have at a rate you can afford. We focus on representing the progressive insurance providers that offer the best prices for common american family car owners in Kittitas County.

Check Out Our Reviews

Worried about who to count on to handle your insurance needs? Check out the terrific Google Reviews left by our clients. Can 1300+ people be wrong? When you are all set to get your automobile insurance coverage launched, check with us for a quick and totally free quote. A basic auto quote from Mid-Columbia Insurance is much cheaper than All State Farm Ers.

Auto insurance Kittitas County
Vehicle insurance Kittitas County

Do you need to have car insurance coverage in Kittitas County Washington?

Washington state requires all drivers in Kittitas County to be able to prove financial responsibility either by having vehicle insurance 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.

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

The fine for operating a car in Kittitas County without insurance is up to $550. If you are without insurance and are at-fault in an accident, you might also have your license suspended for as much as 3 years and be expected to file an SR22 to get your license restored.

What is the cheapest vehicle insurance?

The least expensive car or truck insurance coverage you can buy is basic liability coverage. This pays for the damage you trigger to another person up to your policy limits. It is the least amount of protection Washington state authorizes. We always recommend more protection however the option is yours.
Car & Truck insurance Kittitas County

What company has the most inexpensive vehicle insurance?

The least expensive car or truck insurance depends upon a number of ‘responsibility’ considerations and just how much each insurer weights each factor.

  • If your driving history is spotless, you have good credit, and you have actually carried higher liability limits for a several years, Safeco and Progressive will most likely have the best rates for you.
  • If your driving record is clean however you haven’t had insurance or have simply had the state minimum, National General or Progressive will probably offer the best prices for you.
  • If you have actually collected a couple tickets or had a wreck, Dairyland and National General will most likely have the 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 very best rate for you.

Among the advantages of working with an independent insurance agent is that we represent multiple insurance companies and can look around your insurance coverage for you and get you the best rate possible.

Do I truly need to carry automobile insurance coverage?

Auto insurance coverage can be pricey, so you might ask yourself if you really need it. Washington state does mandate you to purchase a minimum required level of liability insurance for a good reason. And, whether you believe it or not, it is not to help make insurance providers rich. Still, is insurance truly important?

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

Another word for “liable” is “responsible.” So, if you are responsible for mishap, you need to have responsibility insurance coverage aka liability insurance in order to render monetary relief to the victims of the wreck.

Try to envision a world without automobile insurance coverage. Every time you went for a drive, you would be risking your financial well being and your future income. Insurance is designed to assist protect you from expensive and often devastating incidents including legal costs if you are brought to justice because of a traffic collision.

The worth of excellent insurance is only shown when you need it most. In other words, you do not need insurance … till you do. #AccidentsHappen

5 Reasons You Needed To Have Vehicle Insurance Coverage

  1. Cover you, your guests, and your car or truck if struck by an uninsured driver
  2. Secure the financial investment you have in your automobile
  3. Secure your home, savings accounts, and other investments from a claim
  4. Take care of hospital bills for you and your guests after a collision
  5. Save a lot of money later by paying a bit today

So, do you really need to have car or truck insurance coverage? Only if you wish to secure your properties and drive lawfully. Your other option is to get friendly with your neighborhood bus or uber driver.

What are the Washington state vehicle insurance rules?

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

The minimum auto insurance coverage needed 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 protections need to be offered by the insurance company however the law permits you to reject them by signing a rejection form.

Not only must you have insurance coverage, but the law likewise demands that whenever you are operating a vehicle in the state, you must have the ability to display your evidence of vehicle insurance coverage to law enforcement.

Failure to present proof of coverage when asked for by a police officer is an offense and can result in penalties of up to $550.

Vehicle insurance Kittitas County

Can I buy Automobile insurance if I don’t have a license?

You can get auto insurance even though you don’t have a driver license. Someone might question why somebody would need to but there are many legitimate reasons someone might , all relating to safeguarding themselves and their possessions.

  • You’re attempting to get your license and require practice with your learner’s permit prior to taking the driving test.
  • You have a foreign driver’s license and are visiting the United States.
  • Your license is suspended, you most likely need to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not drive but you have a teen who wishes to drive however you have to purchase the automobile in your name because they are underage.
  • You do not drive a car for health factors but you own a car and a relative or a caregiver drives for you.

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

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

Car & Truck insurance Kittitas County

Can I simply get state minimum limits?

Bare minimum liability insurance coverage is seldom suggested but it’s better than no insurance at all, specifically if you can not pay for more.

If you have no savings or assets, minimum liability coverage may be sufficient however it would certainly not suffice to cover severe injuries or to repair/replace a newer automobile. Without sufficient insurance 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 a vehicle worth say $20,000, the insurance provider will pay the $10,000 but you are responsible for the remainder.

Basically, you are self-insuring for anything over the insurance limits you have actually picked. If you don’t wish to have your income garnished or your assets sold off, seriously take into consideration getting greater limits of liability.

May I drive an automobile I just bought without insurance coverage?

You cannot by law drive a car without insurance coverage. Even if you just now purchased it. Washington state requires all vehicles driven on public roadways to be insured. The fact that you just now purchased the auto does not change the guideline.

Fortunately, if all of your currently owned cars are covered by one insurance company then the insurance coverage on those autos conveniently transfers for a couple of days (check with your insurance provider to learn precisely the length of time).

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

How do I review insurance coverage quotes?

To analyze and discover the very best insurance quote, you will need to consider three steps:

  1. Ensure you are asking each company for the same insurance coverages
  2. Make certain you have each company quote you with the very same driving record
  3. Make certain you take a look at the agency’s online reputation

It is extremely simple for an insurer to have a lower rate if they are giving reduced insurance coverage or are not taking account of the same tickets and wrecks. Ensure you’re receiving a correct comparison. Select the exact same set of insurance coverages, limits, and deductibles and also the exact same driving history for each quote you request.

After you’ve gotten several auto quotes, think about the helpfulness of the representative you talked with and how well they clarified things and if they recommended other coverages. Then review the insurer’s Google Reviews to ensure they satisfy your criteria.

At this time you are prepared to pick the agency that is the very best suit for you and we trust it is us.

Vehicle insurance Kittitas County

Who may I add to drive my vehicle?

You ought to list anybody that regularly drives your vehicle onto your plan so there is no question of policy coverage should an accident occur. Everyone in your house or that has frequent access to your automobile needs to likewise be listed given that practically every plan mandates you to disclose them and either add them as a driver or exclude them from policy coverage.

How can I get the cheapest vehicle insurance coverage

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

An easy method for an insurer to have low rates is to fight every claim. Pick a company with a good track record and not an insurer whose sole advertising is about saving you 15% or saving those who change some fake dollar amount – you understand it is a lie. They understand it works.

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

  • Get quotes from a number of insurance companies. Each insurance company weighs ranking factors differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurance companies for you.
  • Only take the coverages you must have.
  • Raise your deductibles.
  • Stop getting tickets like others gather Pokemon.

Is Washington a no-fault auto insurance state?

Washington is not a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all parties involved in an automobile crash might share some liability when establishing settlement for damages. Comparative negligence may allow both the person at-fault and also the other party to recoup payment for damages if they are partially responsible for the car accident.
Automobile insurance Kittitas County

When is a great Time to shop for insurance coverage?

When you move across significant life events you should really reassess your automobile insurance policy as well as see if you might get more discounts. Below are some points when your rates are likely to change. If the adjustment is significant, it might be time for a requote.

  • Car accident – You probably will forfeit your Safe Driver Discount even if the car accident was not your fault.
  • Getting a new home – You may now be in a different rating postal code and also you may get the home-owner’s discount as well as the bundling discount.
  • Relocating – every postal code has a different rate and every insurer has different factors for those zip codes.
  • Acquiring a car – the company that had the very best price for your one vehicle might not be best with the new vehicle.
  • Marriage or Separation – Significant life change. May or may not affect your rate
  • Adding or taking off a driver from your policy – could either increase or reduce your price depending on the driver’s age and their driving history.
  • Adjustment of your credit history – if it gets considerably better, ask your agent if they can have your credit history re-ordered.
  • DUI or other major offense – If your present company learns about it, you will be seeing a rate hike at your upcoming renewal.
  • Adding a teenager – Teens are 3x more prone to be involved in a crash, so consider yourself lucky if your premium just doubles.

Are you required to have cars and truck insurance to get your driver license

Car insurance is not required to get your Washington driver’s license however when you take the driving test, you have to present to the instructor evidence that the automobile you are going to use has insurance.

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

What are you waiting on?

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

Additionally, as a result of the variety of companies we work with, we can cover most cars and trucks and also most drivers even if they are considered a high-risk driver. No matter your driving report, if it is perfect, terrible, or ugly, we should be able insure you.

What are you waiting for? Call us right now at ( 509 )783-5600 or Request A Quote right here to get your complimentary auto insurance quote.

Vehicle insurance Kittitas 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 Kittitas County

Kittitas County is a county located in the U.S. state of Washington. At the 2010 census, its population was 40,915. Its county seat and largest city is Ellensburg. The county was created in November 1883 when it was carved out of Yakima County. Kittitas County comprises the Ellensburg, Washington, Micropolitan Statistical Area.

There are numerous interpretations of the county’s name, which is from the language of the Yakama Nation. According to one source, it “has been said to mean everything from ‘white chalk’ to ‘shale rock’ to ‘shoal people’ to ‘land of plenty'”. Most anthropologists and historians concede that each interpretation has some validity depending upon the particular dialect spoken.

The county was organized in November 1883 by the Washington Territorial Legislature, carved from the northern part of Yakima County.

Source: Kittitas County, Washington in Wikipedia

Top Car Dealerships Near Kittitas County

Kelleher Motor Company
11 reviews
Car Dealers, Auto Repair
+15099251911
602 N Pearl St, Ellensburg, WA 98926
Windy Chevrolet
25 reviews
Car Dealers
+15099251200
1008 Canyon Rd, Ellensburg, WA 98926
Better-Haul Auto Logistics
7 reviews
Couriers & Delivery Services, Towing
+15092485874
1001 Madison Ave, Yakima, WA 98902
Jake’s Custom Window Tinting & Graphics
10 reviews
Car Window Tinting, Vehicle Wraps, Home Window Tinting
+15094534293
912 E Terrace Heights Way, Yakima, WA 98901

Top Things to Do By Kittitas County

The Yellow Church Cafe
594 reviews
American (New), Desserts, Breakfast & Brunch
+15099332233
111 S Pearl St, Ellensburg, WA 98926
Stella’s
178 reviews
Coffee & Tea, Sandwiches, Breakfast & Brunch
+15096746816
316 1/2 W 1st St, Cle Elum, WA 98922
Cafe C5
118 reviews
American (New), Salad, Beer, Wine & Spirits
+15099553939
213 W 4th Ave, Ste 104, Ellensburg, WA 98926
Cottage Cafe & Fireside Lounge
249 reviews
Bakeries, Lounges, American (Traditional)
+15096742922
911 E 1st St, Cle Elum, WA 98922