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Mason County WA Vehicle Insurance [FAQ]
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You Don’t Want Vehicle Insurance… Up Until You Do

We write car insurance coverage for Mason County residents. And great deals of it. If you need to get the very best auto insurance economically, what would you do? Relax, budget friendly auto insurance is our forte. Let us be your insurance guru. We can easily get you properly insured today with instant proof of insurance coverage so you can not worry.

If you received a ticket for no insurance, we can get you covered before you go to court so you can drive lawfully and perhaps get your ticket lowered. Our agency offers insurance for Mason County and all of none and we are the general car insurance experts. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is necessary. Just get yourself covered today!

Get the coverage you require at a cost you can afford. We focus on representing the progressive insurers that offer the very best rates for normal american family motorists in Mason County.

Check Out Our Reviews

Anxious about who to trust to manage your insurance coverage needs? Take a look at the fantastic Google Reviews shared by our clients. Can 1300+ individuals be wrong? As soon as you’re prepared to set up your car or truck insurance coverage, connect with us for a quick and free quote. A regular vehicle quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Car insurance Mason County
Vehicle insurance Mason County

Do you need to have automobile insurance coverage in Mason County Washington?

Washington state mandates a driver in Mason County to be able to display 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 vehicle insurance coverage.

What is the penalty for driving without vehicle insurance coverage in Mason County Washington?

The fine for driving a auto in Mason County without any insurance can be as much as $550. If you are without insurance coverage and are at-fault in an accident, you might have your license revoked for up to 3 years and be expected to get an SR22 to get your license restored.

What is the cheapest vehicle insurance?

The most affordable automobile insurance coverage you can acquire is basic liability coverage. This pays for any damage you cause to someone else up to your policy limits. It is the minimum protection Washington state permits. We always advise more coverage but the option is yours.
Auto insurance Mason County

Who has the most affordable car insurance coverage?

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

  • If your driving record is clear, you have good credit, and you have paid for higher liability limits for a number of years, Safeco or Progressive will more than likely offer the best prices for you.
  • If your driving record is clean but you haven’t had insurance coverage or have simply been carrying the state minimum, National General and Progressive will most likely have the very best prices for you.
  • If you have picked up a couple tickets or had an accident, National General and Dairyland will probably have the very best rates for you.
  • If you have actually had more than two car accidents or are hoarding citations like Pokemon, then The General or Kemper Specialty will most likely offer the very best price for you.

Among the advantages of teaming up with an independent agent is we have several insurance companies and can shop your insurance for you and get you the best price possible.

Am I truly required to buy automobile insurance?

Cars and truck insurance can be expensive, so you may ask yourself if you truly require it. Washington state does mandate you to carry a minimum required amount of liability insurance coverage for a good reason. And, believe it or not, it is not to make insurers rich. Nevertheless is insurance coverage really necessary?

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

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

Try to think of a world without car insurance. Every time you went for a drive, you would be risking your life savings and your future paychecks. Insurance coverage is designed to assist protect you from costly and often ruinous surprises including legal costs if you are brought to justice due to a traffic collision.

The value of excellent insurance is just shown when you need it most. Simply put, you do not require insurance coverage … up until you do. #AccidentsHappen

5 Reasons You Really Needed Auto Insurance

  1. Cover you, your passengers, and your vehicle if hit by an uninsured driver
  2. Cover hospital bills for you and your passengers after a collision
  3. Save a great deal of money later by spending a little bit now
  4. Safeguard the investment you have in your car
  5. Protect your house, savings accounts, and other assets from a suit

So, do you truly need to get car insurance? Just if you want to secure your possessions and drive lawfully. Your other choice is to get friendly with your local bus or uber driver.

What are the Washington vehicle insurance coverage laws?

Washington state requires all drivers to carry a minimum amount of liability insurance to legally drive a vehicle in the state. You are expected by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a car. The easiest method to fulfill these requirements is to get auto insurance.

The minimum vehicle insurance coverage required 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 coverages must be offered by the insurer however the law allows you to refuse them by signing a rejection form.

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

Failure to display evidence of coverage when requested by a cop is considered an offense and can result in fines of up to $550.

Vehicle insurance Mason County

Can I buy Automobile insurance coverage without a drivers license?

You can get automobile insurance despite the fact that you don’t have a driver license. You might question why someone would want to but there are many genuine reasons someone may , all pertaining to securing themselves and their possessions.

  • You’re trying to get your license and need to drive your learner’s permit before taking the driving test.
  • You don’t drive but you have a teenager who wishes to drive however you have to purchase the car in your name since they are a minor.
  • You don’t drive for health factors but you own an automobile and a member of the family or a caretaker drives for you.
  • Your license is suspended, you most likely want to get insurance coverage and an SR22 filing so you can get your license back.
  • You have a foreign drivers license and are visiting the United States.

In all these situations and more we can help you to get insurance coverage even if do not have a driver license.

You are not lawfully required to have a driver license in order to purchase car or truck insurance coverage however the majority of the prominent insurance companies, like GEICO, State Farm, American Family, and Allstate, may not insure you without a driver’s’s license. Also, some agents may not know how and why this can be done or may simply not want to bother and therefore will brush you off with a quick ‘no’. Let us assist. We know our stuff.

Car & Truck insurance Mason County

Should I just get state minimum limits?

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

If you have no savings or assets, minimum liability insurance coverage may suffice but it would certainly not be enough to pay for severe injuries or to repair/replace a newer car. Without adequate insurance coverage, your future wages might be garnished to cover the damages you trigger.

If you only have the state-required $10,000 property damage and hit an automobile worth say $20,000, the insurance provider will pay the $10,000 but you are responsible for the rest.

Essentially, you are self-insuring for anything over the insurance limits you have actually selected. If you do not wish to have your wages garnished or your properties sold, seriously consider acquiring greater limits of liability.

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

You can’t lawfully drive a car without insurance. Even if you just purchased it. Washington state requires all automobiles driven on public roadways to be properly insured. The fact that you just now acquired the auto does not alter the requirement.

Thankfully, if all of your existing owned vehicles are covered with one insurance company then the coverage on those autos automatically transfers for a few days (talk to your insurer to find out precisely the length of time).

If every one of your automobiles are not insured with one company, you will want to call your company before you drive off with the car. If you do not have insurance coverage, you should call Mid-Columbia Insurance prior to driving off with the car

How do I compare insurance coverage quotes?

To analyze and identify the very best insurance quote, you will want to follow 3 steps:

  1. Make sure you are asking each insurer for the exact same coverages
  2. Ensure you have each company quote you with the very same driving history
  3. Be sure you review the insurer’s on-line reviews

It is very simple for an agent to have a reduced rate if they are providing less protection or are not factoring in the very same tickets and car accidents. Ensure that you’re getting an accurate comparison. Select the exact same package of insurance coverages, limits, and deductibles and the same driving MVR for each quote you get.

When you’ve received a handful of quotes, consider the helpfulness of the agent you spoke with and how well they described things and if they suggested additional insurance coverages. Then check out the insurer’s Google Reviews to make sure they measure up to your standards.

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

Car & Truck insurance Mason County

Who may I cover to drive my vehicle?

You should include anybody who on a regular basis drives your vehicle onto your insurance plan so there is no question of insurance coverage if a collision occurs. Any individual in your household or who has frequent use of your vehicle should also be added since practically every plan obligates you to disclose them and either list them as an operator or exclude them from coverage.

Where can I get the least expensive car insurance

Often the most inexpensive price is not the very best price. Are you getting the protection you need? Does the policy have limits and exclusions that are reasonable to you?

An easy method for an insurance company to have low rates is to fight every claim. Select a company with an excellent track record and not a company whose only advertising has to do with saving you 15% or saving those who change some phony dollar amount – you know it is a lie. They understand it works.

If you are merely trying to find the lowest price you have a variety of choices:

  • Stop getting tickets like others collect Pokemon.
  • Only purchase the protections you have to have.
  • Get quotes from a variety of insurers. Each insurer weighs ranking factors in a different way so costs can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.
  • Raise your deductibles.

Is Washington a no-fault car insurance state?

Washington isn’t a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all persons involved in a vehicle wreck may share some liability when calculating compensation for damages. Comparative negligence may permit both the person at-fault as well as the other party to recover payment for loss if they are partially to blame for the wreck.
Automobile insurance Mason County

When is it a great Time to purchase insurance?

When you navigate major life events you ought to reassess your car insurance policy and confirm if you qualify for new discounts. Listed below are some of the times when your prices are likely to adjust. If the adjustment is considerable, it may be time for a requote.

  • Buying a auto – the insurance company that had the very best rate for your previous car or truck may not be best with this vehicle.
  • DUI or other major violation – If your present insurance company discovers it, you will certainly be seeing a price hike at your upcoming renewal.
  • Accident – You possibly will lose your Safe Driver Discount even if the wreck was not-at-fault.
  • Acquiring a new home – You may now be in a new rating postal code as well as you may get the home owner’s discount and also the bundling discount.
  • Update of your credit rating – if it significantly improves, ask your insurer if they can re-order your credit history.
  • Marriage or Separation – Major life change. May or may not affect your price
  • Putting on or taking off a driver from your policy – can either raise or lower your rate depending on their age as well as their driving MVR.
  • Adding a teenage driver – They are 3x more prone to be involved in a wreck, so count yourself fortunate if your price just doubles.
  • Relocating – every postal code has a different price and every insurer has different factors for those postal codes.

Are you required to have vehicle insurance to get your driver’s license

You don’t need automobile insurance to get your Washington driver’s license yet when you take the driving examination, you need to show to the examiner proof that the automobile you are going to use is insured.

So, if the automobile belongs to somebody else, you can just present the owner’s insurance to the instructor. Just make certain, for your safety as well as the auto owner’s, that their policy will cover you as a driver.

Why are you delaying?

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

Additionally, due to the number of insurers we work with, we can cover most cars and most drivers even if they are categorized as a high-risk driver. Regardless of your driving MVR, if it is excellent, poor, or horible, we should be able cover you.

What are you waiting on? Call us today at ( 509 )783-5600 or Request A Quote right here to obtain your cost-free auto insurance quote.

Car & Truck insurance Mason 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 Mason County

Mason County is a county located in the U.S. state of Washington. As of the 2010 census, the population was 60,699. The county seat and only incorporated city is Shelton. The county was formed out of Thurston County on March 13, 1854. Originally named Sawamish County, it took its present name in 1864 in honor of Charles H. Mason, the first Secretary of Washington Territory.

Mason County comprises the Shelton, WA Micropolitan Statistical Area and is included in the Seattle-Tacoma, WA Combined Statistical Area.

According to the U.S. Census Bureau, the county has a total area of 1,051 square miles (2,720 km2), of which 959 square miles (2,480 km2) is land and 92 square miles (240 km2) (8.7%) is water.

Source: Mason County, Washington in Wikipedia

Best Car Dealerships Near Mason County

Gillis Auto Center
25 reviews
Car Dealers
180 W Hulbert Rd, Shelton, WA 98584
Olympia Mazda Service
5 reviews
Auto Repair
2201 Carriage Dr SW, Olympia, WA 98502
J’s Window Tinting
27 reviews
Home Window Tinting, Car Window Tinting
2200 109th St S, Ste 210, Tacoma, WA 98444

Top Things to Do By Mason County

Hoodsport Pizzeria
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Pizza, Salad
150 N Lake Cushman Rd, Hoodsport, WA 98548
Union Square Deli
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310 E Dalby Rd, Ste 100, Union, WA 98592
Robin Hood Restaurant & Pub
142 reviews
Pubs, Music Venues, Resorts
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El Puerto de Angeles
87 reviews
24080 US Hwy 101, Hoodsport, WA 98548