(509) 783-5600 [email protected]

Pierce County WA Car & Truck Insurance Coverage [FAQ]
Receive Immediate Proof of Insurance Coverage!

You Do Not Really Need Vehicle Insurance Coverage… Up Until You Do

We write car and truck insurance for Pierce County car owners and lots of it. If you desire to get the very best car insurance coverage inexpensively, what would you do? Relax, cheap vehicle insurance coverage is our niche. We want to be your insurance guru. We can easily get you insured immediately with immediate proof of insurance so you can not worry.

If you acquired a no-insurance ticket, we can get you insured before you go to court so you can drive your car worry free and potentially get your court fine minimized. Our agency serves for Pierce County and all of none and we are the general car insurance experts. Regardless where you are driving in the state, farm, city, or on the freeway insurance is necessary. Just get yourself covered right now!

Find the protection you require at a price you can afford. We concentrate on representing the progressive insurance providers that give the best prices for normal american family drivers in Pierce County.

Our Client’s Reviews Speak for Us

Worried about who to rely upon to handle your insurance coverage needs? Take a look at the great Google Reviews given by our customers. Can 1300+ people be wrong? When you are ready to get your car insurance under way, check with us for a fast and free insurance quote. A regular car insurance quote from Mid-Columbia Insurance is much less expensive than All State Farm Ers.

Vehicle insurance Pierce County
Car insurance Pierce County

Do you need to have cars and truck insurance coverage in Pierce County Washington?

Washington state expects all drivers in Pierce County to be able to present 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 automobile insurance.

What is the fine for driving without automobile insurance coverage in Pierce County Washington?

The fine for driving a automobile in Pierce County without having insurance coverage can be as much as $550. If you don’t have insurance coverage and are at-fault in a collision, you could also have your license suspended for up to 3 years and be expected to get an SR22 to get your license reinstated.

What is the least expensive vehicle insurance?

The cheapest car or truck insurance you can buy is basic liability protection. This compensates for the damage you trigger to another person up to your policy limits. It is the least amount of protection Washington state permits. We definitely advise more coverage however the option is yours.
Car & Truck insurance Pierce County

Who has the most affordable cars and truck insurance?

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

  • If your driving history is clean, you have great credit, and you have actually carried greater liability limits for a several years, Safeco and Progressive will most likely have the very best rates for you.
  • If your driving MVR is clear however you haven’t had insurance or have simply been bring the state minimum, National General or Progressive will most likely have the best rates for you.
  • If you have received a couple tickets or had a wreck, National General and Dairyland will most likely have the very best rates for you.
  • If you have had more than 2 wrecks or are collecting tickets like Pokemon, then The General or Kemper Specialty will have the very best price for you.

Among the benefits of partnering with an independent insurance agency is that we partner with multiple companies and can quote your insurance for you and get you the very best price possible.

Do I actually need to carry automobile insurance?

Cars and truck insurance coverage can be expensive, so you might ask yourself if you truly have to have it. Washington state does mandate you to purchase a minimum required level of liability insurance coverage for a good reason. And, believe it or not, it is not to help make insurance companies rich. However is insurance coverage really necessary?

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

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

Attempt to picture a country without automobile insurance coverage. Every time you went for a drive, you would be risking your bank account and your future earnings. Insurance coverage is created to assist secure you from expensive and sometimes ruinous incidents including legal costs if you are brought to justice because of a wreck.

The benefit of excellent insurance is just shown when you require it most. To put it simply, you do not need insurance … till you do. #AccidentsHappen

5 Reasons Why You Need Car Insurance Coverage

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

So, do you truly need auto insurance? Just if you wish to protect your assets and drive legally. Your other choice is to get friendly with your local bus or uber driver.

What are the Washington car insurance coverage rules?

Washington state requires all car 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 show proof of financial responsibility if you are driving a vehicle. The easiest way to satisfy these requirements is to buy 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 protections have to be offered by the insurer however the law allows you to reject them by signing a rejection form.

Not only must you have insurance, but the law also necessitates that any time you are driving a car in the state, you must be able to present your proof of vehicle insurance to the police.

Failure to show proof of insurance when asked by a policeman is considered a violation and can result in fines of as much as $550.

Car & Truck insurance Pierce County

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

You can purchase car insurance coverage even when you don’t have a drivers license. You might just wonder why somebody would bother however there are many genuine reasons somebody might want to, all having to do with safeguarding themselves and their possessions.

  • You don’t drive but you have a teen who wants to drive but you need to purchase the automobile in your name since they are a minor.
  • You’re attempting to get your license and need to drive your learner’s permit before taking the driving test.
  • You do not drive for health reasons however you own a car or truck and a relative or a caretaker drives for you.
  • You have a foreign driver’s license and are visiting the United States.
  • Your license is suspended, you probably need to get insurance coverage and an SR22 filing so you can get your license back.

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

You are not lawfully required to have a drivers license in order to get car or truck insurance however the majority of the prominent insurance providers, like GEICO, Allstate, State Farm, and American Family, will not insure you without a driver’s’s license. Likewise, some representatives might not be familiar with how and why it can be done or may just not want to bother and therefore will brush you off with a quick ‘sorry’. Let us help. We know our stuff.

Automobile insurance Pierce County

Should I just purchase state minimum liability limits?

Bare minimum liability protection is seldom recommended however it’s far better than no insurance at all, particularly if you can not afford a lot more.

If you have no savings or assets, minimum liability protection might be adequate yet it would certainly not suffice to take care of serious injuries or to repair/replace a more recent car. Without sufficient insurance, your future wages may be garnished to cover the damage you cause.

If you only are carrying the state-required $10,000 property damage and strike an auto worth say $20,000, the insurance provider will pay the $10,000 but you will be accountable for the remainder.

Basically, you are self-insuring for anything over the insurance coverage limits you have chosen. If you do not wish to have your wages garnished or your possessions sold, seriously think about acquiring greater limits of liability.

May I drive a car I just bought without insurance coverage?

You can’t by law drive a vehicle without insurance coverage. Even if you recently bought it. Washington state requires all automobiles driven on public roadways to be properly insured. The fact that you just bought the car or truck does not alter the guideline.

Luckily, if all of your presently owned autos are covered with one insurer then the insurance coverage on those autos automatically transfers for a couple of days (get in touch with your insurance agent to find out specifically how long).

If all of your cars are not insured with a single company, you will want to call your insurer prior to driving off the lot. If you do not have insurance, you should call Mid-Columbia Insurance before you drive off with the car

How do I analyze insurance coverage quotes?

To analyze and find the best insurance quote, you will want to observe 3 steps:

  1. Make sure you are requesting each agent provide the identical insurance coverages
  2. Ensure that you have each insurer quote you with the identical driving MVR
  3. Make sure you read the insurer’s on-line track record

It is extremely simple for a company to have a reduced price tag if they are offering less coverage or are not factoring in the exact same tickets and wrecks. Make certain you’re receiving an accurate comparison. Select the very same set of insurance coverages, limits, and deductibles and also the very same driving MVR for every quote you obtain.

When you’ve obtained a number of quotes, factor in the helpfulness of the agent you talked with and how well they discussed things and if they recommended additional insurance coverages. Then take a look at the agency’s Google Reviews to ensure they satisfy your criteria.

At this time you are ready to choose the agency that is the very best match for you and we feel confident it will be us.

Vehicle insurance Pierce County

Who can I insure to drive my car?

You should include anyone who habitually drives your auto onto your insurance policy so there is no question of coverage if a car accident takes place. Everyone in your household or that has regular access to your car or truck needs to likewise be listed given that almost every policy mandates you disclose them and either list them as a driver or exclude them from policy coverage.

Where can I get the most affordable cars and truck insurance coverage

Sometimes the most affordable rate is not the very best price. Are you getting the protection you need? Does the insurance policy have coverages and exclusions that are satisfactory to you?

A simple method for an insurer to have low rates is to deny every claim. Pick an insurance company with a great reputation and not an insurance company whose sole marketing is about saving you 15% or saving those who change some phony dollar amount – you know it is a lie. They know it works.

If you are merely searching for the lowest price you have a variety of options:

  • Raise your deductibles.
  • Get quotes from a number of agencies. Each insurance provider weighs rating aspects in a different way so costs can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurance companies for you.
  • Stop getting tickets like others gather Pokemon.
  • Only purchase the coverages you have to have.

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 car wreck may share some responsibility when calculating compensation for damages. Comparative negligence may allow both the person at-fault and also the other party to recoup payment for damages if they are partially responsible for the accident.
Auto insurance Pierce County

When is really the best time to shop for insurance?

When you go across significant life milestones you need to reassess your car insurance coverages and also review if you qualify for new discounts. Listed below are some of the times when your rates are most likely to change. If the change is substantial, it may be a great time for a requote.

  • Purchasing a auto – the company that had the very best rate for your one car may not be best with the new vehicle.
  • Marriage or Divorce – Significant life change. May or may not affect your price
  • Crash – You probably will forfeit your Safe Driver Discount even if the accident was not-at-fault.
  • Putting on a teenage driver – They are three times more likely to have a crash, so count yourself fortunate if your rate only doubles.
  • Update of your credit history – if it significantly improves, ask your agent if they can have your credit history re-ordered.
  • Moving – every zip code has a different price as well as every insurance company has different variables for those zip codes.
  • DUI or other significant offense – If your existing company discovers it, you will be seeing a price hike at your next renewal.
  • Buying a house – You might now live in a new rating zip code as well as you might now get the home owner’s discount as well as the bundling discount.
  • Putting on or taking off a driver from your policy – could either increase or lower your price depending on their age and also their driving history.

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

You don’t require automobile insurance coverage to get your Washington driver’s license but when you take the driving examination, you will need to present to the trainer evidence that the auto you are going to use has insurance.

So, if the car belongs to another person, you can simply display the owner’s insurance to the examiner. Just make certain, for your safety as well as the car or truck owner’s, that their policy will cover you as a vehicle driver.

Why are you waiting?

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

Likewise, because of the variety of companies we represent, we can insure most cars and trucks and most drivers even if they are considered a risky driver. No matter your driving history, if it is good, bad, or ugly, we should be able cover you.

What are you waiting for? Call us now at ( 509 )783-5600 or Ask for A Quote here to obtain your totally free car insurance quote.

Automobile insurance Pierce 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 Pierce County

Pierce County is a county in the U.S. state of Washington. As of the 2010 Census, the population was 795,225, making it the second-most populous county in Washington behind King County, and the 61st-most populous in the United States. The county seat and largest city is Tacoma. Formed out of Thurston County on December 22, 1852, by the legislature of Oregon Territory, it was named for U.S. President Franklin Pierce. Pierce County is in the Seattle metropolitan area (formally the Seattle-Tacoma-Bellevue, WA metropolitan statistical area).

Pierce County is home to Mount Rainier, the tallest mountain and a volcano in the Cascade Range. Its most recent recorded eruption was between 1820 and 1854. There is no imminent risk of eruption, but geologists expect that the volcano will erupt again. If this should happen, parts of Pierce County and the Puyallup Valley would be at risk from lahars, lava, or pyroclastic flows. The Mount Rainier Volcano Lahar Warning System was established in 1998 to assist in the evacuation of the Puyallup River valley in case of eruption.

According to the U.S. Census Bureau, the county has a total area of 1,806 square miles (4,680 km2), of which 1,670 square miles (4,300 km2) is land and 137 square miles (350 km2) (7.6%) is water. The highest natural point in Washington, Mount Rainier at 14,410 feet (4,392 m), is located in Pierce County.

Source: Pierce County, Washington in Wikipedia

Best Car Dealerships Near Pierce County

Car Village
1 review
Used Car Dealers, Auto Repair
16602 64th St E, Sumner, WA 98390
Rairdon’s Subaru of Auburn
241 reviews
Car Dealers, Auto Repair, Tires
3025 Auburn Way N, Auburn, WA 98002
Four-ten auto sales
15 reviews
Car Dealers
22914 State Route 410 E, Ste c, Buckley, WA 98321
5 reviews
Used Car Dealers
513 E Main, Puyallup, WA 98372

Best Things to Do Around Pierce County

The Carlson Block
53 reviews
Pizza, Salad, Tapas/Small Plates
531 Church St, Wilkeson, WA 98396
Nomad PNW
35 reviews
Coffee & Tea, Desserts, Empanadas
529 Church St, Wilkeson, WA 98396
Tim’s Kitchen
160 reviews
American (Traditional), Salad, Comfort Food
114 Washington Ave S, Orting, WA 98360
Sumalee’s Thai Cuisine
218 reviews
20831 WA-410, Bonney Lake, WA 98391