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Port Townsend WA Car & Truck Insurance Coverage [FAQ]
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You Don’t Want Auto Insurance… Till You Do

We write car and truck insurance coverage for Port Townsend car owners and lots of it. If you need to get the very best auto insurance cheap, what would you do? Relax, inexpensive auto insurance coverage is our game. Let us be your insurance guru. We can get you covered right away with immediate proof of insurance so you can not worry.

If you have a no-insurance ticket, you can get covered before you go to court so that you can drive your car lawfully and possibly get your fine reduced. Our agency offers insurance for Port Townsend and all of Jefferson County and we are the general car and truck insurance experts. No matter where you are driving in the state, farm, city, or on the freeway insurance is essential. Just insure yourself today!

Select the coverage you want at a rate you can afford. We focus on representing the progressive insurance companies that offer the best rates for typical american family drivers in Port Townsend.

Our Client’s Reviews Speak for Us

Anxious about who to rely upon to handle your insurance needs? Take a look at the terrific Google Reviews given by our customers. Can 1300+ individuals be wrong? When you’re ready to set up your automobile insurance coverage, get ahold of us for a fast and totally free quote. A basic car quote from us is much cheaper than All State Farm Ers.

Auto insurance Port Townsend
Auto insurance Port Townsend

Are you required to have cars and truck insurance in Port Townsend Washington?

Washington state requires a driver in Port Townsend 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 assist you with the vehicle insurance.

What is the fine for driving without car insurance in Port Townsend Washington?

The fine for driving a car in Port Townsend without insurance coverage is up to $550. If you are without insurance and are found at-fault in a crash, you could also have your license suspended for as much as 3 years and be expected to get an SR22 to get your license restored.

What is the least expensive car insurance coverage?

The most inexpensive cars and truck insurance coverage you can acquire is basic liability coverage. This pays for any damage you cause to another person up to your policy limits. It is the minimum protection Washington state permits. We definitely recommend more protection but the choice is yours.
Car & Truck insurance Port Townsend

What company has the most inexpensive car insurance?

The most affordable automobile insurance coverage depends on a variety of ‘responsibility’ aspects and just how much each company weights each element.

  • If your driving history is spotless, you have good credit, and you have actually had higher liability limits for a several years, Progressive and Safeco will probably have the very best rates for you.
  • If your driving history is clear however you don’t presently have insurance coverage or have simply been carrying the state minimum, Progressive or National General will probably offer the best prices for you.
  • If you have picked up a couple tickets or had a collision, Dairyland and National General will probably have the best rates for you.
  • If you have actually had more than two accidents or are collecting tickets like Pokemon, then The General or Kemper Specialty will have the best rate for you.

One of the advantages of teaming up with an independent agency is that we partner with multiple companies and can shop your insurance coverage for you and find you the best price possible.

Do I really need to buy cars and truck insurance coverage?

Vehicle insurance coverage can be expensive, so you may ask yourself if you truly need to have it. Washington state does require you to possess a minimum required amount of liability insurance for a reason. And, believe it or not, it is not to make insurance companies rich. But is insurance coverage really necessary?

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

Another word for “liable” is “responsible.” So, if you are responsible for car accident, 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 vehicle insurance coverage. Every time you took a drive, you would be risking your financial well being and your future paychecks. Insurance coverage is created to help protect you from expensive and sometimes ruinous surprises including legal costs if you are brought to justice due to a wreck.

The benefit of excellent insurance is only shown when you need it most. In other words, you do not need insurance coverage … until you do. #AccidentsHappen

5 Factors Why You Require Automobile Insurance Coverage

  1. Cover medical bills for you and your passengers after a traffic collision
  2. Save a great deal of money later on by paying a little now
  3. Safeguard your home, savings accounts, and other assets from a suit
  4. Cover you, your passengers, and your car or truck if struck by an uninsured motorist
  5. Secure the investment you have in your car

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

What are the Washington car insurance coverage laws?

Washington state expects all drivers to have a minimal 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 easiest method to fulfill these requirements is to buy automobile 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 Coverage: $10,000 per accident

Personal Injury Protection and Uninsured Motorist coverages must be offered by the insurance company but the law permits you to refuse them by signing a rejection form.

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

Failure to present evidence of coverage when asked by a police officer is a violation and can lead to fines of approximately $550.

Car & Truck insurance Port Townsend

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

You can obtain automobile insurance even if you don’t have a drivers license. Someone may well question why somebody would want to but there are many genuine reasons somebody may want to, all relating to protecting themselves and their possessions.

  • You do not drive a car for health factors but you own a car and a family members or a caregiver drives for you.
  • Your license is suspended, you probably want to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not drive but you have a teenager who wishes to drive but you have to buy the automobile in your name since they are underage.
  • You have a foreign drivers license and are visiting the United States.
  • You’re attempting to get your license and require drive your learner’s permit prior to taking the driving test.

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

You are not legally obligated to have a drivers license in order to get automobile insurance but most of the big-name insurance providers, 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 it can be done or might just not want to deal with it and therefore will brush you off with a fast ‘no’. Let us assist. We know our stuff.

Auto insurance Port Townsend

Should I simply purchase state minimum liability limits?

Bare minimum liability is seldom suggested yet it’s far better than no insurance coverage whatsoever, especially if you can not afford more.

If you don’t have any savings or assets, minimal liability protection might be sufficient but it would certainly not be enough to pay for serious injuries or to repair/replace a more recent car or truck. Without sufficient insurance coverage, your future wages may be garnished to cover the damages you create.

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

Basically, you are self-insuring for anything over the insurance coverage limits you have picked. If you don’t wish to have your earnings garnished or your properties sold, seriously take into consideration getting greater limits of liability.

May I drive an automobile I recently purchased without insurance coverage?

You can not by law drive a vehicle without having insurance coverage. Even if you just bought it. Washington state requires all vehicles driven on public roadways to be properly insured. The fact that you recently bought the vehicle does not change the requirement.

Luckily, if all your existing owned vehicles are covered by one insurer then the coverage from those automobiles automatically transfers for a couple of days (get in touch with your insurance company to learn exactly for how long).

If all of your automobiles are not insured with one company, you will certainly want to call your representative before you drive off with the car. If you do not have insurance, you should call Mid-Columbia Insurance before you drive off the lot

How do I review insurance quotes?

To compare and find the best insurance quote, you will need to observe three steps:

  1. Ensure you are asking each insurer for the identical insurance coverages
  2. Ensure that you have each company quote you with the same driving record
  3. Make certain you examine the agency’s on-line reputation

It is extremely easy for a company to have a reduced price tag if they are giving less coverage or are not using the same tickets and car accidents. Make certain you’re receiving a correct comparison. Select the same set of protections, limits, and deductibles as well as the same driving MVR for each and every quote you get.

After you’ve received several car insurance quotes, factor in the helpfulness of the representative you talked with and how well they discussed things and if they recommended additional insurance coverages. Then check out the company’s Google Reviews to make certain they measure up to your criteria.

Now you are ready to pick the agency that is the very best fit for you and we trust it will be Mid-Columbia Insurance.

Car insurance Port Townsend

Who can I cover to drive my vehicle?

You need to add anyone who frequently drives your automobile onto your insurance plan so there is no doubt of coverage should a wreck take place. Any person in your house or who has routine use of your auto needs to also be included given that nearly every insurance plan obligates you divulge them and either include them as a driver or exclude them from policy coverage.

How can I receive the most affordable auto insurance coverage

Sometimes the least expensive rate is not the best price. Are you getting the coverage you need? Does the insurance policy have limits and exclusions that are reasonable to you?

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

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

  • Get quotes from a variety of insurance companies. Each insurance company weighs rating elements differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple insurance companies for you.
  • Stop getting tickets like others gather Pokemon.
  • Raise your deductibles.
  • Just take the protections you must have.

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 an auto wreck may share some liability when establishing settlement for damages. Comparative negligence might permit both the claimant and also the plaintiff to recoup settlement for damages if they are partly responsible for the wreck.
Auto insurance Port Townsend

When is a good time to shop for insurance coverage?

When you cross major life situations you should really reassess your car insurance policy as well as check if you might get new discounts. Listed below are some points when your prices are most likely to change. If the change is significant, it may be a good time get a new quote.

  • Adding or taking off a driver from your plan – can either boost or lower your rate depending on the driver’s age and also their driving history.
  • Update of your credit score – if it gets significantly better, ask your representative if they can have your credit history re-ordered.
  • Marriage or Separation – Major life change. May or may not change your price
  • Getting a auto – the company that had the lowest rate for your old vehicle might not be best with this car.
  • Purchasing a house – You may now live in a new rating postal code and you might now qualify for the home-owner’s discount and the bundling discount.
  • Relocating – every postal code has a different rate and every insurer has different factors for each zip code.
  • Crash – You possibly will lose your Safe Driver Discount even if the crash was not your fault.
  • Putting on a teenage driver – They are 3x more likely to be involved in an accident, so consider yourself lucky if your insurance premium only doubles.
  • DUI or other significant offense – If your present insurer discovers it, you will certainly be seeing a rate hike at your next renewal.

Do you need car insurance coverage to get your drivers license

You do not need automobile insurance coverage to get your Washington driver’s license yet when you take the driving examination, you must present to the instructor proof that the automobile you are planning to use is insured.

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

What are you waiting for?

Mid-Columbia Insurance represents insurers 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 count on.

Additionally, due to the variety of insurers we represent, we can cover most vehicles and also most drivers even if they are categorized as a risky driver. Regardless of your driving history, if it is great, poor, or horible, we can insure you.

What are you waiting on? Call us right now at ( 509 )783-5600 or Request A Quote here to get your cost-free vehicle quote.

Auto insurance Port Townsend

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 Port Townsend

Port Townsend is a city on the Quimper Peninsula in Jefferson County, Washington, United States. The population was 9,113 at the 2010 United States Census and an estimated 9,704 in 2018. It is the county seat and only incorporated city of Jefferson County. In addition to its natural scenery at the northeast tip of the Olympic Peninsula, the city is known for the many Victorian buildings remaining from its late 19th-century heyday, numerous annual cultural events, and as a maritime center for independent boatbuilders and related industries and crafts. The Port Townsend Historic District is a U.S. National Historic Landmark District. It is also significantly drier than the surrounding region due to being in the rainshadow of the Olympic Mountains, receiving only 19 inches or 480 millimeters of rain per year.

The bay was originally named “Port Townshend” by Captain George Vancouver in 1792, for his friend the Marquis of Townshend. It was immediately recognized as a good safe harbor, although strong south winds and poor holding ground often make small-craft anchorage problematic off the town’s waterfront.

The official European-American settlement of the city of the same name took place on April 24, 1851. American Indian tribes located in what is now Jefferson County in the mid-19th century included the Chimakum (or Chemakum), Hoh (a group of the Quileute), Klallam (or Clallam), Quinault, and Twana (the Kilcid band — Anglicized as “Quilcene”).

Source: Port Townsend, Washington in Wikipedia

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Top Places to Visit Near Port Townsend

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