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Lakewood WA Automobile Insurance [FAQ]
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You Don’t Want Auto Insurance Coverage… Up Until You Do
#AccidentsHappen

We write car and truck insurance for Lakewood motorists. And great deals of it. If you need to get the best car and truck insurance coverage at a low-price, what would you do? Breathe easy, low-cost auto insurance is our job. Let us be your insurance shopper. We can get you covered right now with instant proof of insurance coverage so you can drive safe.

If you got a no-insurance ticket, we can get you properly insured before you go to court so you can drive your car without worry and possibly get your fine minimized. Our agency offers insurance for Lakewood and all of Pierce County and we are the general auto insurance experts. Regardless where you are driving in the state, farm, city, or on the freeway insurance is required. Merely get yourself insured right away!

Choose the coverage you desire at a rate you can manage. We specialize in representing the progressive insurance providers that give the best rates for common american family motorists in Lakewood.

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Worried about who to rely upon to handle your insurance requirements? Check out the great Google Reviews shared by our clients. Can 1300+ people be wrong? As soon as you are ready to get your car insurance started, talk to us for a fast and free insurance quote. A typical auto quote from Mid-Columbia Insurance is much less expensive than All State Farm Ers.

Car & Truck insurance Lakewood
Vehicle insurance Lakewood

Are you required to have vehicle insurance in Lakewood Washington?

Washington state demands a driver in Lakewood to be able to prove financial responsibility either by having auto 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 fine for driving without vehicle insurance coverage in Lakewood Washington?

The penalty for driving a auto in Lakewood without insurance can be as much as $550. If you are without insurance and are at-fault in an accident, you could have your license revoked for up to 3 years and be expected to submit an SR22 to get your license reinstated.

What is the most affordable vehicle insurance?

The least expensive vehicle insurance you can purchase is basic liability protection. This compensates for the damage you cause to somebody else up to your policy limits. It is the least amount of coverage Washington state authorizes. We always suggest more protection but the choice is yours.
Car & Truck insurance Lakewood

What company has the most affordable vehicle insurance coverage?

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

  • If your driving record is clear, you have good credit, and you have carried higher liability limits for a several years, Progressive and Safeco will probably have the best rates for you.
  • If your driving MVR is spotless but you do not presently have insurance coverage or have simply been carrying the state minimum, National General or Progressive will most likely offer the best prices 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 actually had more than 2 wrecks or are gathering citations like Pokemon, then Kemper Specialty and The General will have the very best rate for you.

One of the benefits of using an independent agency is we have multiple companies and can look around your insurance for you and find you the best rate possible.

Do I truly need to have automobile insurance?

Cars and truck insurance can be expensive, so you might ask yourself if you actually need to get it. Washington state does mandate you to carry a minimum level of liability insurance coverage for a reason. And, believe it or not, it is not to make insurers rich. Still, is insurance coverage really required?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic wrecks occurred and 3,144,000 individuals were injured in those crashes and 37,461 people were killed, approximately 102 people each day, one death every 14 minutes.

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

Attempt to picture a country without vehicle insurance coverage. Each time you took a drive, you would be risking your financial well being and your future paychecks. Insurance is created to help safeguard you from pricey and sometimes ruinous surprises including legal expenses if you are brought to justice due to a crash.

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

5 Reasons You Require Automobile Insurance

  1. Cover medical expenses for you and your guests after a collision
  2. Safeguard the investment you have in your car
  3. Cover you, your guests, and your car or truck if struck by an uninsured motorist
  4. Save a great deal of cash later by paying a bit now
  5. Secure your house, savings accounts, and other possessions from a suit

So, do you actually need to get car or truck insurance? Just if you want to protect your assets and drive lawfully. Your other alternative is to get friendly with your neighborhood bus or uber driver.

What are the Washington state automobile insurance coverage laws?

Washington state demands all drivers to have a minimum amount of liability insurance coverage to lawfully operate 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 car. The simplest method to meet these requirements is to get car insurance.

The minimum vehicle 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 Coverage: $10,000 per accident

Personal Injury Protection and Uninsured Motorist protections need to be offered by the insurance company but the law permits you to decline them by signing a rejection form.

Not only should you have insurance, but the law also requires that any time you are operating a vehicle in the state, you need to be able to display your proof of auto insurance to law enforcement.

Failure to display evidence of insurance coverage when asked by a law enforcement officer is regarded as an infraction and can lead to penalties of approximately $550.

Car insurance Lakewood

Can you get Auto insurance coverage without a license?

You can get auto insurance coverage even if you don’t have a driver license. Someone may well wonder why someone would bother however there are a variety of legitimate reasons somebody may wish to, all involving safeguarding themselves and their assets.

  • Your license is suspended, you probably need to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not drive a car for health reasons however you own a car and a family members or a caregiver drives for you.
  • You have a foreign drivers license and are visiting the United States.
  • You do not drive but you have a teen who wants to drive but you have to purchase the vehicle in your name given that they are underage.
  • You’re trying to get your license and require practice with your learner’s permit before taking the driving test.

In all these situations and more we can help you in getting insurance even if do not have a drivers license.

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

Car & Truck insurance Lakewood

Can I just buy state minimum liability limits?

Bare minimum liability protection is seldom advisable but it’s much better than no insurance coverage whatsoever, especially if you can not pay for much more.

If you have no savings or assets, minimal liability protection might suffice but it would not suffice to pay for severe injuries or to repair/replace a new automobile. Without sufficient insurance, your future earnings may be garnished to cover the damage you create.

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

Essentially, you are self-insuring for anything over the insurance limits you have actually picked. If you do not intend to have your salary garnished or your properties sold, seriously think about buying higher limits of liability.

Should I drive a cars or truck I just bought without insurance?

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

Luckily, if all your existing owned automobiles are covered by one insurance provider then the coverage for those automobiles conveniently transfers for a few days (get in touch with your insurance agent to find out exactly how much time).

If all your vehicles are not insured with one company, you will certainly want to call your representative prior to driving off the lot. If you do not have insurance coverage, you ought to call Mid-Columbia Insurance prior to driving off the lot

How can I compare insurance quotes?

To compare and choose the most ideal insurance quote, you will want to consider three steps:

  1. Ensure you are requesting each company provide the same coverages
  2. Make certain you have each company quote you with the exact same driving MVR
  3. Ensure that you check the company’s online track record

It is very easy for an insurance company to have a reduced price tag if they are providing less coverage or are not using the same tickets and car accidents. Ensure you’re receiving a correct comparison. Select the same set of coverages, limits, and deductibles as well as the very same driving history for each and every quote you request.

Once you’ve gotten a few quotes, consider the helpfulness of the agent you talked with and how well they clarified things and also if they recommended other insurance coverages. Then check out the insurer’s Google Reviews to be sure they measure up to your criteria.

Now you are prepared to pick the insurance company that is the very best match for you and we hope it is Mid-Columbia Insurance.

Automobile insurance Lakewood

Who can I insure to drive my car?

You should add everyone that on a regular basis drives your vehicle onto your plan so there is no question of insurance coverage should a wreck happen. Anybody in your house or who has routine use of your car or truck should also be added given that virtually every insurance plan obligates you divulge them and either list them as a driver or exclude them from policy coverage.

Where can I find the cheapest auto insurance coverage

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

A basic way for an insurance provider to have low rates is to fight every claim. Select an insurer with a great reputation and not an insurer whose sole marketing has to do with saving you 15% or saving those who change some bogus dollar amount – you know it is a lie. They know it works.

If you are simply searching for the lowest price you have a number of options:

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

Is Washington a no-fault automobile insurance state?

Washington is not a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in wreck might share some responsibility when establishing compensation for damages. Comparative negligence may permit both the claimant and the plaintiff to recoup payment for damages if they are partially at fault for the wreck.
Auto insurance Lakewood

When is it a good time to purchase insurance coverage?

When you navigate significant life situations you should really reassess your vehicle insurance policy coverages and also check if you qualify for better discounts. Below are some points when your prices are most likely to change. If the adjustment is significant, it may be time to request a requote.

  • Purchasing a new house – You might now be in a different rating zip code and you might qualify for the home owner’s discount and the bundling discount.
  • DUI or other significant offense – If your present company finds out, you will certainly be seeing a rate hike at your following renewal.
  • Revision of your credit score – if it gets dramatically better, ask your agent if they can re-order your credit score.
  • Getting a new car or truck – the company that had the lowest price for your one car or truck might not be best with the new car.
  • Car accident – You probably will forfeit your Safe Driver Discount even if the wreck was not-at-fault.
  • Putting on or taking off a driver from your policy – could either raise or reduce your price depending on the driver’s age as well as driving record.
  • Putting on a teenager – They are 3x more likely to be involved in a wreck, so consider yourself fortunate if your premium only doubles.
  • Moving – every postal code has a different rate and every insurer has different variables for those zip codes.
  • Marriage or Separation – Major life change. May or may not affect your rate

Do you really need vehicle insurance to get a driver’s license

Vehicle insurance is not needed to get your Washington driver’s license however when you take the driving examination, you have to present to the instructor evidence that the car you are going to use is insured.

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

Why are you delaying?

Mid-Columbia Insurance represents 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 trust.

Also, as a result of the number of companies we work with, we can cover most automobiles and most drivers even if they are considered a risky driver. Despite your driving history, if it is good, poor, or ugly, we can insure you.

Why just sit there? Call us right now at ( 509 )783-5600 or Request A Quote here to obtain your complimentary car quote.

Car & Truck insurance Lakewood

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..👍
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About Lakewood

Lakewood is a city in Pierce County, Washington, United States. The population was 58,163 at the 2010 census.

Lakewood was officially incorporated on February 28, 1996. Historical names include Tacoma/Lakewood Center and Lakes District (this name was used by the U.S. Census in the 1970 and 1980 Census). Lakewood is the second-largest city in Pierce County and is home to the Clover Park School District, the Lakewood Water District, Fort Steilacoom Park and Western State Hospital, a regional state psychiatric hospital.

Thornewood Castle was built in the vicinity of Tacoma in the area that is now Lakewood.

Source: Lakewood, Washington in Wikipedia

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