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Oak Harbor WA Automobile Insurance Coverage [FAQ]
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You Do Not Need Car Insurance… Till You Do

We write car insurance coverage for Oak Harbor residents. And great deals of it. If you want to get the best car insurance coverage at a low-price, what would you do? Relax, reasonable auto insurance coverage is our niche. Allow us to be your insurance finders. We will get you properly insured immediately with immediate proof of insurance so you can drive confident.

If you received a ticket for no insurance, you can get insured before you go to court so you can drive your car worry free and perhaps get your court fine minimized. Our agency serves for Oak Harbor and all of Island County and we are the general car insurance professionals. Regardless where you are driving in the state, farm, city, or on the freeway insurance is essential. Simply get yourself insured now!

Choose the coverage you need at a cost you can afford. We concentrate on representing the progressive insurance providers that provide the very best prices for common american family drivers in Oak Harbor.

Check Out Our Reviews

Anxious about who to count on to handle your insurance coverage requirements? Have a look at the excellent Google Reviews given by our clients. Can 1300+ people be wrong? As soon as you’re ready to kick off your car insurance coverage, speak to us for a fast and totally free quote. A general auto quote from us is much cheaper than All State Farm Ers.

Car & Truck insurance Oak Harbor
Vehicle insurance Oak Harbor

Do you need to have car insurance in Oak Harbor Washington?

Washington state requires a driver in Oak Harbor to be able to prove 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 assist you with the automobile insurance.

What is the penalty for no car insurance in Oak Harbor Washington?

The penalty for operating a car in Oak Harbor without any insurance coverage can be as much as $550. If you don’t have insurance and are at-fault in a crash, you might have your license revoked for up to 3 years and be expected to submit an SR22 to get your license reinstated.

What is the cheapest cars and truck insurance?

The least expensive car or truck insurance coverage you can buy is basic liability coverage. This covers the damage you trigger to another person up to your policy limits. It is the minimum protection Washington state allows. We always recommend more protection but the choice is yours.
Car & Truck insurance Oak Harbor

What company has the least expensive automobile insurance?

The most affordable car or truck insurance coverage depends upon a number of ‘responsibility’ factors and how much each insurer weights each element.

  • If your driving record is clean, you have good credit, and you have actually carried greater liability limits for a number of years, Progressive and Safeco will most likely have the best rates for you.
  • If your driving MVR is spotless however you haven’t had insurance coverage or have simply been carrying the state minimum, Progressive or National General will probably offer the best rates for you.
  • If you have collected a couple tickets or had an accident, National General and Dairyland will most likely have the very best rates for you.
  • If you have actually had more than 2 crashes or are picking up citations like Pokemon, then The General or Kemper Specialty will most likely offer the best rate for you.

One of the benefits of working with an independent agent is that we have multiple companies and can shop your insurance for you and get you the very best rate possible.

Do I truly need to carry car insurance?

Cars and truck insurance coverage can be costly, so you might ask yourself if you actually need it. Washington state does mandate you to possess a minimum amount of liability insurance for a reason. And, whether you believe it or not, it is not to make insurance companies abundant. However is insurance coverage truly crucial?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an approximated 7,277,000 police-reported traffic wrecks occurred and 3,144,000 people were injured in those collisions and 37,461 people 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 to have responsibility insurance aka liability insurance in order to provide financial relief to the victims of the wreck.

Try to think of a world without cars and truck insurance. Whenever you took a drive, you would be risking your bank account and your future earnings. Insurance is developed to help protect you from pricey and sometimes ruinous surprises including legal costs if you are taken to court as a result of a collision.

The benefit of excellent insurance is just revealed when you require it most. To put it simply, you don’t require insurance coverage … till you do. #AccidentsHappen

5 Factors You Really Needed Auto Insurance

  1. Cover you, your guests, and your automobile if struck by an uninsured motorist
  2. Save a lot of cash later by paying a little right now
  3. Protect your house, savings accounts, and other investments from a lawsuit
  4. Secure the investment you have in your car
  5. Cover hospital expenses for you and your guests after a crash

So, do you really need to have vehicle insurance coverage? Just if you wish to safeguard your possessions and drive lawfully. Your other option is to get friendly with your neighborhood bus or uber driver.

What are the Washington state vehicle insurance requirements?

Washington state expects all drivers to have a minimum amount of liability insurance to legally 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 vehicle. The most convenient way to fulfill these requirements is to buy auto insurance coverage.

The minimum auto insurance needed 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 have to be offered by the insurance provider but the law enables you to reject them by signing a rejection form.

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

Failure to display proof of protection when asked by a police officer is an offense and can result in fines of approximately $550.

Auto insurance Oak Harbor

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

You can obtain car insurance even if you don’t have a driver’s license. You might just question why someone would want to but there are a number of genuine reasons someone might , all pertaining 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 vehicle in your name because they are a minor.
  • You’re trying to get your license and need to drive your learner’s permit before taking the driving test.
  • You have a foreign drivers license and are visiting the United States.
  • Your license is suspended, you probably plan to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not operate a vehicle for health reasons but you own a vehicle and a relative or a caretaker drives for you.

In all these circumstances and more we can assist you in getting insurance coverage even if do not have a driver license.

You are not legally required to have a driver license in order to purchase car or truck insurance coverage however the majority of the prominent insurers, like GEICO, State Farm, American Family, and Allstate, will not be able to help you without a drivers’s license. Likewise, some representatives may not know how and why it can be done or may simply not want to bother and for that reason will brush you off with a fast ‘no’. Let us help. We know our stuff.

Car & Truck insurance Oak Harbor

Can I simply buy state minimum liability limits?

Bare minimum liability protection is hardly ever advisable yet it’s better than no insurance whatsoever, particularly if you can’t pay for a lot more.

If you have no savings or assets, minimum liability coverage may be enough yet it would not suffice to cover serious injuries or to repair/replace a newer car or truck. Without adequate insurance coverage, your future wages might be garnished to cover the damage you trigger.

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

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

Should I drive a vehicle I recently purchased without insurance coverage?

You can not lawfully drive a vehicle without having insurance. Even if you just purchased it. Washington state mandates all autos driven on public roads to be properly insured. The fact that you recently purchased the auto does not change the guideline.

Thankfully, if all of your currently owned autos are insured by one insurance company then the coverage from those cars and trucks by default transfers for a couple of days (consult with your insurance company to find out specifically the length of time).

If all of your automobiles are not insured with a single company, you will wish to call your insurer prior to driving off with the car. If you do not have insurance coverage, you ought to call Mid-Columbia Insurance prior to driving off the lot

How do I analyze insurance quotes?

To review and find the most ideal insurance quote, you will need to follow 3 steps:

  1. Make sure you are asking each agent for the exact same insurance coverages
  2. Ensure you have each agent quote you with the identical driving history
  3. Ensure you examine the insurer’s on-line reviews

It is really simple for a company to have a reduced price tag if they are providing less protection or are not using the same tickets and accidents. Ensure that you’re receiving a correct comparison. Select the exact same set of protections, limits, and deductibles and also the very same driving MVR for every quote you request.

When you’ve received a few auto insurance quotes, consider the helpfulness of the representative you talked to and how well they described things and also if they recommended other coverages. Then evaluate the agency’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 very best match for you and we trust it is us.

Car & Truck insurance Oak Harbor

Who can I cover to drive my vehicle?

You should add everyone who frequently drives your automobile onto your insurance plan so there is no question of insurance coverage if an accident occurs. Everyone in your household or that has regular access to your auto should likewise be included because virtually every insurance plan mandates you to disclose them and either include them as a driver or exclude them from policy coverage.

Where can I find the most affordable vehicle insurance

Sometimes the most affordable price is not the best price. Are you getting the coverage you require? Does the policy have limits and exclusions that are satisfactory to you?

A basic method for an insurance provider to have low rates is to deny every claim. Pick an insurance company with a good reputation and not an insurer whose only advertising is about saving you 15% or saving those who change some bogus dollar amount – you understand it is a lie. They know it works.

If you are simply searching for the lowest rate you have a variety of choices:

  • Stop collecting tickets like others gather Pokemon.
  • Raise your deductibles.
  • Only take the coverages you need to have.
  • Get quotes from a number of companies. Each insurer weighs rating elements in a different way so rates can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous insurers for you.

Is Washington a no-fault auto insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all persons involved in a car crash might share some liability when establishing settlement for damages. Comparative negligence might permit both the claimant and the plaintiff to recover compensation for damages if they are partially responsible for the traffic collision.
Automobile insurance Oak Harbor

When is really the best time to buy insurance coverage?

When you go across significant life events you should reassess your auto insurance coverages as well as see if you qualify for new discounts. Here are some points when your prices are most likely to change. If the change is considerable, it might be a good time get a new quote.

  • Putting on a teenager – They are three times more likely to have an accident, so count yourself fortunate if your insurance rate just doubles.
  • Getting a car – the company that had the best rate for your one car or truck might not be best with the new car.
  • Wreck – You probably will forfeit your Safe Driver Discount even if the wreck was not your fault.
  • Change of your credit rating – if your score dramatically improves, ask your insurer if they can re-order your credit score.
  • Moving – every postal code has a different price and every insurer has different variables for each zip code.
  • DUI or other major infraction – If your existing insurer learns about it, you will be seeing a price increase at your upcoming renewal.
  • Purchasing a new home – You might now be in a different rating postal code and also you may qualify for the home-owner’s discount and also the bundling discount.
  • Marriage or Separation – Major life change. May or may not affect your premium
  • Adding or taking off a driver from your policy – could either raise or lower your rate depending upon their age as well as their driving history.

Are you required to have car insurance to get your driver license

Automobile insurance is not needed to get your Washington driver’s license yet when you take the driving test, you need to show to the examiner proof that the automobile you are going to use is insured.

So, if the automobile belongs to someone else, you can simply show the owner’s insurance to the instructor. Just be sure, for your security as well as the car owner’s, that their policy will cover you as a driver.

Why are you delaying?

Mid-Columbia Insurance partners with 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 count on.

Likewise, because of the variety of companies we partner with, we can insure most vehicles and also most drivers even if they are categorized as a high-risk driver. No matter your driving MVR, if it is great, terrible, or horible, we should be able insure you.

Why are you just sitting there? Call us right now at ( 509 )783-5600 or Request A Quote here to get your complimentary automobile insurance quote.

Automobile insurance Oak Harbor

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 Oak Harbor

Oak Harbor is a city located on Whidbey Island in Island County, Washington, United States. The population was 22,075 at the 2010 census. Oak Harbor was incorporated on May 14, 1915.

Oak Harbor is Whidbey Island’s largest incorporated city; it is named for the Garry Oak trees which grace its skyline. The city’s growth coincided with two major events: the building of Deception Pass Bridge on July 31, 1935, and the completion of Naval Air Station Whidbey Island on September 21, 1942. Oak Harbor’s history goes back to the early 1850s, when two settlers staked claims where the city now stands—Zakarias Toftezen, a shoemaker from Norway; C.W. Sumner from New England.

Houses and businesses sprouted up along the shores of Oak Harbor as the pioneers relied entirely on water transportation until the 1900s. For the next 30 years, steamers and freighters carried passengers and freight from the Island to the mainland and back as well as Fidalgo Island to the north.

Source: Oak Harbor, Washington in Wikipedia

Top Car Dealerships Near Oak Harbor

Simple Car Company
4 reviews
Used Car Dealers
33490 State Route 20, Oak Harbor, WA 98277
Oak Harbor Motors
14 reviews
Car Dealers, Auto Parts & Supplies, Auto Repair
75 SE Pioneer Way, Oak Harbor, WA 98277
Frontier Ford
41 reviews
Auto Repair, Car Dealers, Auto Loan Providers
12610 Thompson Rd, Anacortes, WA 98221
Jerry Smith Chevrolet
18 reviews
Car Dealers
12484 Reservation Rd, Anacortes, WA 98221

Top Things to Do Around Oak Harbor

Deception Pass Park
159 reviews
Community Service/Non-Profit, Parks
41020 State Rte 20, Oak Harbor, WA 98277
Seabolt’s Smokehouse
425 reviews
Seafood, Smokehouse
31640 Sr 20, Ste 3, Oak Harbor, WA 98277
Frasers Gourmet Hideaway
161 reviews
American (New), Seafood, Steakhouses
1191 SE Dock St, Ste 101, Oak Harbor, WA 98277
Jumbo Burrito
153 reviews
Mexican, Steakhouses
31780 Sr 20, Ste 2, Oak Harbor, WA 98277