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Maple Valley WA Car Insurance [FAQ]
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You Don’t Really Need Car Insurance Coverage… Until You Do

We write auto insurance for Maple Valley car owners. And lots of it. If you desire to get the best car insurance at a budget friendly price, what would you do? Relax, low-priced vehicle insurance is our game. Let us be your insurance shopper. We will get you covered immediately with instant proof of insurance coverage so you can drive confident.

If you received a ticket for no insurance, you can get covered before you go to court so that you can drive lawfully and perhaps get your ticket minimized. Mid-Columbia Insurance serves for Maple Valley and all of King County and we are the general car and truck insurance professionals. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is essential. Just get yourself covered now!

Find the coverage you want at a price you can manage. We concentrate on representing the progressive insurance companies that provide the very best rates for typical american family car owners in Maple Valley.

Our Client’s Reviews Speak for Us

Concerned about who to count on to manage your insurance requirements? Take a look at the excellent Google Reviews given by our customers. Can 1300+ individuals be wrong? When you are ready to start your car insurance coverage, get ahold of us for a quick and free insurance quote. A general auto insurance quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Car & Truck insurance Maple Valley
Automobile insurance Maple Valley

Do you need to have cars and truck insurance in Maple Valley Washington?

Washington state mandates all drivers in Maple Valley to be able to display financial responsibility either by having cars & truck 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 automobile insurance.

What is the fine for no car insurance coverage in Maple Valley Washington?

The penalty for driving a car in Maple Valley without insurance can be as much as $550. If you don’t have insurance coverage and are found at-fault in an accident, you could also have your license suspended for approximately 3 years and be expected to get an SR22 to get your license restored.

What is the cheapest cars and truck insurance?

The cheapest auto insurance you can purchase is basic liability coverage. This compensates for the 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 coverage but the option is yours.
Auto insurance Maple Valley

What company has the most inexpensive car insurance?

The cheapest vehicle insurance depends on a variety of ‘responsibility’ variables and how much each insurance company weights each factor.

  • If your driving MVR is clear, you have good credit, and you have had higher liability limits for a a few years, Progressive and Safeco will probably have the very best rates for you.
  • If your driving history is clear however you haven’t had insurance coverage or have simply had the state minimum, Progressive or National General will most likely offer the best prices for you.
  • If you have collected a couple tickets or had a wreck, National General or Dairyland will probably have the best rates for you.
  • If you have had more than 2 accidents or are collecting tickets like they are Pokemon, then Kemper Specialty and The General will most likely offer the best price for you.

Among the benefits of teaming up with an independent agency is we have several insurers and can look around your insurance for you and find you the very best price possible.

Do I really need to have automobile insurance coverage?

Cars and truck insurance can be pricey, so you might ask yourself if you actually need it. Washington state does call for you to carry a minimal level of liability insurance for a reason. And, whether you believe it or not, it is not to make insurance companies abundant. Still, is insurance truly crucial?

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

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

Attempt to imagine a world without automobile insurance coverage. Whenever you went for a drive, you would be risking your life savings and your future income. Insurance is developed to help protect you from pricey and often devastating surprises including legal expenses if you are brought to justice as a result of a collision.

The value of good insurance is only revealed when you need it most. Simply put, you do not require insurance … until you do. #AccidentsHappen

5 Factors Why You Needed To Have Car Insurance

  1. Cover you, your guests, and your auto if hit by an uninsured driver
  2. Protect your home, savings accounts, and other investments from a lawsuit
  3. Secure the financial investment you have in your automobile
  4. Take care of medical expenses for you and your passengers after an accident
  5. Save a great deal of money later on by spending a little bit now

So, do you really need to get car insurance? Just if you wish to secure your assets and drive lawfully. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington automobile insurance coverage laws?

Washington state mandates all drivers to carry a minimal amount of liability insurance to lawfully drive a vehicle in the state. You are required by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a car. The simplest way to fulfill these requirements is to purchase auto insurance.

The minimum vehicle insurance required 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 need to be made available by the insurance provider but the law enables you to decline them by signing a rejection form.

Not only must you have insurance coverage, but the law also necessitates that any time you are driving in the state, you should have the ability to show your evidence of auto insurance coverage to law enforcement.

Failure to display proof of insurance coverage when requested by a police officer is regarded as an offense and can lead to fines of as much as $550.

Automobile insurance Maple Valley

Can you get Auto insurance coverage if I don’t have a driver’s license?

You can obtain vehicle insurance coverage even when you do not have a drivers license. Someone might wonder why somebody would need to however there are a number of genuine reasons somebody may , all involving securing themselves and their assets.

  • You’re attempting to get your license and require practice with your learner’s permit prior to taking the driving test.
  • You do not drive but you have a teenager who wants to drive but you need to buy the automobile in your name given that they are a minor.
  • Your license is suspended, you most likely want to get insurance and an SR22 filing so you can get your license back.
  • You do not drive for health reasons however you own a vehicle and a member of the family or a caregiver drives for you.
  • You have a foreign driver’s license and are visiting the United States.

In all these scenarios and more we can assist you to get insurance even if do not have a drivers license.

You are not legally obligated to have a drivers license in order to buy vehicle insurance but the majority of the big-name insurance companies, like American Family, State Farm, Allstate, and GEICO, will not be able to help you without a driver’s license. Likewise, some representatives may not be familiar with how and why this can be done or might just not want to deal with it and for that reason will brush you off with a fast ‘sorry’. Let us help. We understand our stuff.

Vehicle insurance Maple Valley

Should I simply get state minimum liability limits?

Bare minimum liability protection is rarely a good idea but it’s much better than no insurance at all, specifically if you can’t afford a lot more.

If you have no savings or assets, minimum liability coverage may be enough but it would not suffice to take care of serious injuries or to repair/replace a newer automobile. Without adequate insurance coverage, your future earnings may be garnished to cover the damages you create.

If you just are carrying the state-required $10,000 property damage and strike a vehicle worth say $20,000, the insurance company will certainly pay the $10,000 however you will be accountable for the rest.

Essentially, you are self-insuring for anything over the insurance coverage limits you have actually selected. If you do not intend to have your salary garnished or your properties sold off, seriously take into consideration buying greater limits of liability.

May I drive an automobile I just purchased without insurance?

You can not lawfully drive an automobile without insurance. Even if you just purchased it. Washington state mandates all automobiles driven on public roads to be insured. The fact that you just bought the car or truck does not change the guideline.

Thankfully, if all of your existing owned automobiles are insured with one insurer then the coverage on those autos automatically transfers for a few days (contact your insurance company to learn exactly the length of time).

If all your cars or trucks are not insured with a single insurer, you will want to call your representative before you drive off with the car. If you do not have insurance coverage, you should call Mid-Columbia Insurance before you drive off with the car

How do I review insurance quotes?

To review and identify the very best quote, you need to observe 3 steps:

  1. Ensure you are asking each insurer for the exact same coverages
  2. Ensure you have each agent quote you with the exact same driving history
  3. Make certain you check the company’s online reputation

It is really simple for an agent to have a lower price tag if they are giving lower coverage or are not taking account of the exact same tickets and wrecks. Be sure you’re receiving a proper comparison. Select the exact same package of protections, limits, and deductibles and the exact same driving MVR for every quote you obtain.

After you’ve gotten a handful of auto quotes, think about the helpfulness of the agent you talked to and how well they discussed things and also if they recommended additional coverages. Then check the company’s Google Reviews to be sure they measure up to your standards.

At this time you are prepared to pick the agency that is the best suit for you and we really hope it is Mid-Columbia Insurance.

Vehicle insurance Maple Valley

Who can I cover to drive my car?

You should really list everyone that frequently drives your auto onto your insurance policy so there is no doubt of coverage should a traffic collision occur. Everyone in your home or who has regular use of your automobile should likewise be included because nearly every insurance plan obligates you to reveal them and either include them as a driver or exclude them from policy coverage.

How can I receive the most affordable car insurance

Often the least expensive price is not the best value. Are you getting the coverage you require? Does the insurance policy have coverages and exclusions that are reasonable to you?

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

If you are merely looking for the most affordable rate you have a number of options:

  • Stop receiving tickets like others collect Pokemon.
  • Get quotes from a number of insurers. Each insurance company weighs rating aspects in a different way so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurers for you.
  • Just take the protections you have to have.
  • Raise your deductibles.

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 a vehicle accident may share some responsibility when calculating settlement for damages. Comparative negligence may allow both the person at-fault and also the other party to recover compensation for damages if they are partially to blame for the traffic collision.
Vehicle insurance Maple Valley

When is a great Time to purchase insurance coverage?

When you cross significant life milestones you need to reassess your auto insurance protections as well as confirm if you qualify for better discounts. Here are times when your rates are most likely to adjust. If the adjustment is considerable, it may be a good time for a requote.

  • Marriage or Divorce – Major life change. May or may not affect your price
  • DUI or other major offense – If your present company learns about it, you will be seeing a price increase at your upcoming renewal.
  • Putting on or removing a driver from your plan – might either raise or lower your rate depending upon the driver’s age and driving history.
  • Change of your credit report – if your score dramatically improves, ask your insurer if they can have your credit rating re-ordered.
  • Accident – You possibly will forfeit your Safe Driver Discount even if the car accident was not-at-fault.
  • Purchasing a new house – You might now live in a new rating postal code and you may now qualify for the homeowner’s discount and also the bundling discount.
  • Putting on a teenage driver – Teens are 3x more likely to be involved in a wreck, so consider yourself lucky if your insurance premium only doubles.
  • Acquiring a new auto – the insurer that had the best price for your previous vehicle may not be best with this one.
  • Moving – every zip code has a different rate and also every company has different variables for those zip codes.

Are you required to have car insurance coverage to get a drivers license

Vehicle insurance coverage is not required to obtain your Washington driver’s license but when you take the driving examination, you will need to present to the instructor proof that the car you are planning to use is insured.

So, if the car belongs to someone else, you can just present the owner’s insurance to the driving instructor. Only make sure, for your safety and the automobile owner’s, that their policy will cover you as a driver.

Why are you delaying?

Mid-Columbia Insurance represents insurers like Safeco, National General, Dairyland, Progressive, The General, Kemper Specialty, Foremost, Bristol West, as well as other insurers that so many have come to know and rely on.

Additionally, as a result of the number of insurers we represent, we can insure most autos and most drivers even if they are categorized as a risky driver. Regardless of your driving report, if it is excellent, bad, or horible, we should be able cover you.

Why are you sitting there? Call us today at ( 509 )783-5600 or Ask for A Quote right here to get your free auto quote.

Vehicle insurance Maple Valley

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 Maple Valley

Maple Valley is a city in King County, Washington, United States. The population was 22,684 at the 2010 census, and is estimated to be 27,202 as of 2019. The city functions as a commuter town for residents, though there is an increasing amount of commercial activity in the area.

The area was settled in 1879 by three men who were improving a trail and brought their families in. When a name for a future community was proposed, the names Vine Maple Valley and Maple Ridge were suggested. A vote was taken by writing the names on slips of paper and placing them in a hat. Vine Maple Valley won by 2/3, but the word “Vine” was later cut by the post office because it made the name too long.

The town’s early history mainly had to do with coal, lumber milling to build homes, and a railroad that ran through town. Coal was brought in from Black Diamond to the south, but the town itself also mined coal from Cedar Mountain. The mine was used as late as 1947. Rail workers for lines like the Northern Pacific Railroad and the Cedar River Watershed, closed off by the City of Seattle, meant more workers for those things. More residents meant more lumber milling. More lumber milling meant more workers. Suquamish tribe chairperson Martha George was born near Maple Valley in Sheridan in 1892, at a logging camp where her mother and grandmother worked as cooks.”

Source: Maple Valley, Washington in Wikipedia

Best Car Dealerships Near Maple Valley

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Top Things to Do Around Maple Valley

MOD Pizza
177 reviews
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23916 SE Kent-Kangley Rd, Maple Valley, WA 98038
The Original Pancake House
320 reviews
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26820 Maple Valley Hwy, Maple Valley, WA 98038
181 reviews
Modern European, German, Polish
29030 216th Ave SE, Black Diamond, WA 98022
Maple Valley Thai Cuisine
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26810 Maple Valley Black Diamond Rd SE, Maple Valley, WA 98038