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Moses Lake WA Car Insurance Coverage [FAQ]
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You Do Not Really Need Vehicle Insurance Coverage… Until You Do

We write car and truck insurance coverage for Moses Lake motorists and great deals of it. If you want to get the very best auto insurance at a low-cost, what would you do? Relax, cheap vehicle insurance is our specialization. Let us be your insurance expert. We can easily get you protected today with instant proof of insurance coverage so you can drive safe.

If you received a ticket for no insurance, our team can get you insured before you go to court so that you can drive your car lawfully and perhaps get your ticket lowered. Mid-Columbia Insurance offers insurance for Moses Lake and all of Grant County 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 required. Merely get yourself insured right now!

Get the coverage you desire at a cost you can manage. We concentrate on representing the progressive insurers that offer the best rates for typical american family drivers in Moses Lake.

Our Client’s Reviews Speak for Us

Worried about who to depend on to handle your insurance coverage requirements? Check out the excellent Google Reviews given by our clients. Can 1300+ people be wrong? As soon as you are all set to get your auto insurance launched, reach out to us for a fast and free insurance quote. A typical car or truck insurance quote from Mid-Columbia Insurance is much cheaper than All State Farm Ers.

Car insurance Moses Lake
Car insurance Moses Lake

Do you need to have cars and truck insurance in Moses Lake Washington?

Washington state mandates a driver in Moses Lake 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 assist you with the car insurance coverage.

What is the fine for driving without car insurance in Moses Lake Washington?

The penalty for operating a vehicle in Moses Lake without any insurance is up to $550. If you don’t have insurance and are found at-fault in a wreck, you could also have your license revoked for approximately 3 years and be expected to submit an SR22 to get your license reinstated.

What is the cheapest automobile insurance?

The cheapest automobile insurance coverage you can buy is basic liability coverage. This compensates for any damage you cause to another person up to your policy limits. It is the least amount of protection Washington state allows. We always suggest more protection but the choice is yours.
Car insurance Moses Lake

Who has the least expensive automobile insurance?

The cheapest vehicle insurance depends upon a number of ‘responsibility’ aspects and how much each company weights each aspect.

  • If your driving MVR is clean, you have good credit, and you have carried greater liability limits for a a few years, Progressive or Safeco will probably offer the very best prices for you.
  • If your driving MVR is clean but you haven’t had insurance or have simply had the state minimum, National General and Progressive will most likely have the very best prices for you.
  • If you have actually collected a couple tickets or had an accident, Dairyland or National General will most likely have the best rates for you.
  • If you have actually had more than two crashes or are picking up citations like Pokemon, then The General or Kemper Specialty will have the very best rate for you.

One of the benefits of teaming up with an independent agent is we have numerous insurance companies and can shop your insurance coverage for you and get you the best price possible.

Do I truly need to carry vehicle insurance coverage?

Cars and truck insurance coverage can be pricey, so you might ask yourself if you really need it. Washington state does require you to purchase a minimal level of liability insurance for a good reason. And, whether you believe it or not, it is not to make insurance providers abundant. But is insurance truly essential?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an approximated 7,277,000 police-reported traffic crashes took place and 3,144,000 individuals were hurt in those collisions and 37,461 individuals were killed, an average of 102 individuals each day, one death every 14 minutes.

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

Attempt to envision a world without car insurance coverage. Whenever you took a drive, you would be risking your financial well being and your future earnings. Insurance coverage is created to help secure you from expensive and often ruinous incidents including legal expenses if you are taken to court due to a traffic collision.

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

5 Reasons You Need Vehicle Insurance

  1. Cover you, your passengers, and your car or truck if hit by an uninsured motorist
  2. Save a great deal of money later by paying a bit now
  3. Protect your home, savings accounts, and other assets from a lawsuit
  4. Protect the financial investment you have in your car or truck
  5. Take care of medical costs for you and your guests after a crash

So, do you really need to have car insurance coverage? Just if you want to safeguard your properties and drive lawfully. Your other choice is to get friendly with your local bus or uber driver.

What are the Washington vehicle insurance coverage regulations?

Washington state requires all car drivers to carry a minimum amount of liability insurance to legally drive 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 method to fulfill these requirements is to purchase vehicle insurance coverage.

The minimum automobile insurance needed in Washington state is as follows:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability Protection: $10,000 per accident

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

Not only must you have insurance, but the law likewise demands that any time you are driving in the state, you must have the ability to show your evidence of vehicle insurance to law enforcement.

Failure to display evidence of protection when asked by a law enforcement officer is a violation and can lead to fines of as much as $550.

Vehicle insurance Moses Lake

Can you buy Vehicle insurance coverage without a driver’s license?

You can purchase automobile insurance even if you do not have a driver’s license. Someone might just question why someone would need to however there are a number of good reasons somebody may , all relating to securing themselves and their possessions.

  • You do not drive but you have a teen who wishes to drive but you need to purchase the car in your name because they are underage.
  • You don’t drive a car for health reasons but you own a vehicle and a family members or a caregiver drives for you.
  • You’re attempting to get your license and require practice with your learner’s permit prior to taking the driving test.
  • Your license is suspended, you most likely need 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 in getting insurance even if don’t have a driver license.

You are not lawfully required to have a driver license in order to get automobile insurance but most of the prominent insurance companies, like American Family, State Farm, Allstate, and GEICO, may not insure you without a driver’s license. Likewise, some agents may not know how and why this can be done or might just not wish to bother and therefore will brush you off with a fast ‘sorry’. Let us help. We know our stuff.

Vehicle insurance Moses Lake

Can I just get state minimum liability limits?

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

If you don’t have any savings or assets, minimal liability insurance coverage may be enough yet it would not be enough to pay for major injuries or to repair/replace a new car or truck. Without enough insurance coverage, your future wages might be garnished to cover the damages you cause.

If you only are carrying the state-required $10,000 property damage and wreck a car worth say $20,000, the insurer will certainly pay the $10,000 however you are accountable for the remainder.

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

Should I drive a cars or truck I recently purchased without insurance?

You can’t legally drive a vehicle without having insurance. Even if you recently purchased it. Washington state requires all autos driven on public roads to be properly insured. The fact that you recently purchased the automobile does not change the guideline.

Fortunately, if all your presently owned cars and trucks are covered by one insurance company then the coverage for those automobiles by default transfers for a few days (talk to your insurance provider to learn exactly how much time).

If every one of your cars are not insured with a single insurer, you will certainly wish to call your representative before you drive off the lot. If you do not have an insurance policy, you ought to call Mid-Columbia Insurance before you drive off the lot

How do I compare insurance quotes?

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

  1. Ensure that you are asking each agent for the very same coverages
  2. Ensure that you have each company quote you with the exact same driving history
  3. Be sure you examine the company’s online reputation

It is extremely easy for an agent to have a lower price tag if they are offering reduced protection or are not including the very same tickets and crashes. Make certain you’re getting a correct comparison. Select the exact same package of insurance coverages, limits, and deductibles and also the very same driving MVR for each and every quote you get.

After you’ve received a few quotes, consider the helpfulness of the agent you spoke with and how well they described things and also if they suggested additional coverages. Then examine the company’s Google Reviews to be sure they measure up to your standards.

Now you are prepared to choose the insurance company that is the very best suit for you and we hope it is us.

Car & Truck insurance Moses Lake

Who may I cover to drive my car?

You need to list anybody that often drives your vehicle onto your insurance policy so there is no doubt of insurance coverage should a crash occur. Any individual in your home or who has routine access to your car ought to also be added because nearly every plan obligates you to reveal them and either add them as a driver or exclude them from coverage.

How can I get the most inexpensive auto insurance coverage

Sometimes the cheapest price is not the best price. Are you getting the coverage you need? Does the insurance policy have limits and exclusions that are acceptable to you?

An easy method for an insurance company to have low rates is to deny every claim. Select an insurer with an excellent track record and not an insurance company whose only advertising 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 merely trying to find the lowest price you have a number of options:

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

Is Washington a no-fault vehicle insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all persons involved in an auto crash might share some liability when determining settlement for damages. Comparative negligence may allow both the person at-fault and also the other party to recover compensation for loss if they are partly to blame for the crash.
Vehicle insurance Moses Lake

When is the best time to buy insurance?

When you move across significant life events you ought to reassess your automobile insurance policy coverages as well as evaluate if you qualify for more discounts. Below are some points when your prices are likely to change. If the change is considerable, it may be a good time for a requote.

  • Acquiring a new auto – the company that had the very best price for your one car may not be best with the new car.
  • Acquiring a new house – You might now live in a new rating postal code as well as you may get the home owner’s discount as well as the bundling discount.
  • Adding or taking off a driver from your plan – could either raise or decrease your price depending upon the driver’s age and also their driving MVR.
  • DUI or other major violation – If your present insurance company learns about it, you will be seeing a rate increase at your following renewal.
  • Marriage or Separation – Significant life change. May or may not affect your price
  • Putting on a teenage driver – Teens are three times as prone to have a crash, so consider yourself blessed if your rate only doubles.
  • Moving – every postal code has a different rate as well as every company has different variables for those postal codes.
  • Accident – You most likely will lose your Safe Driver Discount even if the accident was not-at-fault.
  • Adjustment of your credit rating – if your score dramatically improves, ask your insurer if they can re-order your credit score.

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

Car insurance coverage is not required to get your Washington driver’s license yet when you take the driving test, you will need to show to the instructor proof that the car you are going to use is insured.

So, if the car belongs to another person, you can just present the owner’s insurance to the instructor. Just make sure, for your safety and the car or truck owner’s, that their insurance will cover you as a vehicle driver.

Why are you waiting?

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

Additionally, due to the number of insurance companies we partner with, we can insure most vehicles and most drivers even if they are considered a risky driver. Regardless of your driving MVR, if it is great, bad, or shocking, we can cover you.

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

Automobile insurance Moses Lake

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 Moses Lake

Moses Lake is a city in Grant County, Washington, United States. The population was 20,366 as of the 2010 census. Moses Lake is the largest city in Grant County. The city anchors the Moses Lake Micropolitan area, which includes all of Grant County and is part of the Moses Lake-Othello combined statistical area.

Moses Lake, on which the city lies, is made up of three main arms over 18 miles (29 km) long and up to one mile (1.6 km) wide. It is the largest natural body of fresh water in Grant County and has over 120 miles (190 km) of shoreline covering 6,500 acres (2,600 ha). Before it was dammed in the early 1900s and then incorporated into the Columbia Basin Project, Moses Lake was a smaller shallow lake. To the south of the town is the Potholes Reservoir and the Columbia National Wildlife Refuge that has a number of seep lakes and vast amounts of migratory birds and other fauna natural to the area.

Before the construction of Grand Coulee Dam on the Columbia River in 1941 and Moses Lake Army Air Base in 1942 the area was largely barren. Native Americans knew the area as Houaph, which meant willow. Chief Moses was leader of the Sinkiuse tribe from 1859 to 1899, and was forced to negotiate with white settlers who began to settle in the area in the 1880s. Under pressure from the government, Chief Moses traded the Columbia Basin land for a reservation that stretched from Lake Chelan north to the Canada–US border. The government later traded again for what is now the Colville Indian Reservation.

Source: Moses Lake, Washington in Wikipedia

Top Car Dealerships Near Moses Lake

Bud Clary Ford of Moses Lake
11 reviews
Car Dealers
1140 S Pioneer Way, Moses Lake, WA 98837
Bud Clary Moses Lake Chrysler Dodge Jeep Ram
5 reviews
Auto Parts & Supplies, Auto Repair, Car Dealers
12174 N Frontage Rd E, Moses Lake, WA 98837
Scotty’s Auto Repair
11 reviews
Auto Repair, Tires, Transmission Repair
1450 E Wheeler Rd, Moses Lake, WA 98837
La Auto Rack
3 reviews
Car Dealers
415 S Pioneer Way, Moses Lake, WA 98837

Top Places to Visit Around Moses Lake

Michael’s Market & Bistro
248 reviews
Delis, Specialty Food
221 W Broadway Ave, Moses Lake, WA 98837
Michaels on the Lake
332 reviews
Wine Bars, Seafood, Steakhouses
910 W Broadway Ave, Moses Lake, WA 98837
Tacos El Rey Taqueria
107 reviews
1571 Yonezawa Blvd, Moses Lake, WA 98837
Pho Saigon Restaurant
104 reviews
115 W 3rd Ave, Moses Lake, WA 98837