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Ravensdale WA Car & Truck Insurance [FAQ]
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You Don’t Want Vehicle Insurance Coverage… Until You Do

We write auto insurance for Ravensdale car owners and lots of it. If you need to get the best car insurance economically, what would you do? Breathe easy, affordable car insurance is our specialty. Allow us to be your insurance expert. We will get you covered right now with immediate proof of insurance coverage so you can relax.

If you received a no-insurance ticket, you can get insured before you see the judge so you can drive lawfully and perhaps get your fine decreased. Mid-Columbia Insurance offers insurance for Ravensdale and all of King County and we are the general vehicle insurance specialists. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is necessary. Merely get yourself covered now!

Select the coverage you need at a cost you can manage. We concentrate on representing the progressive insurance providers that provide the very best rates for typical american family drivers in Ravensdale.

Our Client’s Reviews Speak for Us

Concerned about who to rely on to handle your insurance needs? Check out the great Google Reviews given by our customers. Can 1300+ people be wrong? When you’re all set to get your car insurance coverage kicked off, speak to us for a fast and totally free quote. A normal car quote from us is much less expensive than All State Farm Ers.

Automobile insurance Ravensdale
Automobile insurance Ravensdale

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

Washington state demands a driver in Ravensdale to be able to display financial responsibility either by having cars & truck 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 vehicle insurance.

What is the fine for no vehicle insurance in Ravensdale Washington?

The penalty for operating a car, truck, or motorcycle in Ravensdale without insurance can be as much as $550. If you don’t have insurance and are at-fault in a wreck, you could also have your license revoked for as much as 3 years and be mandated to get an SR22 to get your license reinstated.

What is the cheapest automobile insurance coverage?

The most affordable cars and truck insurance coverage you can acquire is basic liability protection. This pays for any damage you trigger to somebody else up to your policy limits. It is the minimum protection Washington state authorizes. We always suggest more protection but the choice is yours.
Car insurance Ravensdale

Who has the cheapest cars and truck insurance coverage?

The least expensive automobile insurance coverage depends upon a number of ‘responsibility’ factors and just how much each insurer weights each element.

  • If your driving MVR is spotless, you have excellent credit, and you have paid for greater liability limits for a several years, Safeco or Progressive will more than likely have the best rates for you.
  • If your driving MVR is clean but you do not presently have insurance coverage or have simply been bring the state minimum, National General and Progressive will most likely offer the very best prices for you.
  • If you have actually picked up a couple tickets or had a collision, National General or Dairyland will probably have the best rates for you.
  • If you have had more than 2 accidents or are gathering citations like Pokemon, then The General or Kemper Specialty will offer the very best rate for you.

Among the benefits of partnering with an independent agent is we partner with numerous insurance companies and can look around your insurance for you and find you the best rate possible.

Am I really required to buy vehicle insurance?

Vehicle insurance coverage can be costly, so you may ask yourself if you really want to have it. Washington state does mandate you to possess a minimum level of liability insurance for a good reason. And, believe it or not, it is not to make insurance companies rich. And yet is insurance truly crucial?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic accidents occurred and 3,144,000 individuals were hurt in those collisions 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 need responsibility insurance aka liability insurance in order to render monetary relief to the victims of the accident.

Try to picture a country without vehicle insurance coverage. Whenever you took a drive, you would be risking your life savings and your future income. Insurance coverage is designed to help secure you from costly and often devastating incidents including legal costs if you are brought to justice because of a collision.

The value of great insurance coverage is just shown when you need it most. In other words, you do not require insurance … up until you do. #AccidentsHappen

5 Factors Why You Need Car Insurance

  1. Save a great deal of money later by paying a little bit now
  2. Protect your home, savings accounts, and other assets from a lawsuit
  3. Cover you, your guests, and your vehicle if hit by an uninsured motorist
  4. Take care of hospital costs for you and your guests after a traffic collision
  5. Safeguard the financial investment you have in your vehicle

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

What are the Washington car insurance coverage regulations?

Washington state expects all car drivers to have a minimum amount of liability insurance coverage to lawfully drive a vehicle in the state. You are expected by the Financial Liability Law to be able to provide proof of financial responsibility if you are driving an automobile. The simplest method to meet these requirements is to get car insurance.

The minimum vehicle 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 need to be offered by the insurer however the law permits you to reject them by signing a rejection form.

Not only must you have insurance, but the law also expects that at any time you are driving a car in the state, you need to have the ability to show your evidence of vehicle insurance to law enforcement.

Failure to present proof of coverage when requested by a law enforcement officer is an offense and can lead to penalties of approximately $550.

Car & Truck insurance Ravensdale

Can you buy Vehicle insurance if I don’t have a license?

You can get car insurance coverage even if you do not have a driver license. Someone may question why someone would need to but there are several genuine reasons someone may want to, all pertaining to protecting themselves and their stuff.

  • You have a foreign drivers license and are visiting the United States.
  • You don’t drive but you have a teen who wants to drive however you have to purchase the car in your name given that they are a minor.
  • Your license is suspended, you most likely need to get insurance coverage and an SR22 filing so you can get your license back.
  • You do not drive a car for health factors however you own an automobile and a family members or a caregiver drives for you.
  • You’re trying to get your license and require practice with your learner’s permit before taking the driving test.

In all these scenarios and more we can assist you to get insurance even if don’t have a drivers license.

You are not lawfully obligated to have a drivers license in order to buy car or truck insurance coverage however most of the big-name insurance providers, like American Family, State Farm, Allstate, and GEICO, may not insure you without a driver’s’s license. Likewise, some agents might not know how and why this can be done or may simply not want to be bothered and therefore will brush you off with a quick ‘no’. Let us assist. We understand our stuff.

Car insurance Ravensdale

Can I simply purchase state minimum limits?

Bare minimum liability protection is seldom suggested but it’s much better than no insurance coverage at all, specifically if you can not budget for extra.

If you don’t have any savings or assets, minimal liability insurance coverage might be sufficient yet it would not be enough to take care of major injuries or to repair/replace a newer car or truck. Without adequate coverage, your future earnings may be garnished to cover the damage you trigger.

If you just have the state-required $10,000 property damage and wreck an auto worth say $20,000, the insurance company will certainly pay the $10,000 but you will be accountable for the remainder.

In essence, you are self-insuring for anything over the insurance limits you have actually purchased. If you don’t want to have your salary garnished or your assets sold off, seriously consider acquiring higher limits of liability.

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

You can’t by law drive a car or truck without insurance coverage. Even if you recently purchased it. Washington state mandates all cars or trucks driven on public roads to be insured. The fact that you just purchased the car or truck does not change the guideline.

Fortunately, if all of your presently owned autos are covered by one insurance company then the coverage from those vehicles conveniently transfers for a few days (check with your insurer to find out specifically how much time).

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

How can I review insurance quotes?

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

  1. Be sure you are asking each agent for the identical insurance coverages
  2. Be sure you have each agent quote you with the identical driving record
  3. Be sure you assess the agency’s on-line track record

It is really simple for an insurance company to have a reduced price if they are presenting lower coverage or are not factoring in the same tickets and wrecks. Ensure you’re receiving a proper comparison. Select the exact same set of protections, limits, and deductibles and the very same driving history for every quote you get.

When you’ve received a few auto insurance quotes, think about the helpfulness of the agent you spoke with and how well they explained things and if they suggested additional coverages. Then take a look at the company’s Google Reviews to be sure they meet your requirements.

At this time you are ready to choose the company that is the very best suit for you and we trust it is Mid-Columbia Insurance.

Car & Truck insurance Ravensdale

Who may I add to drive my car?

You should really include everyone who repeatedly drives your car or truck onto your policy so there is no doubt of policy coverage should an accident occur. Any individual in your house or who has regular use of your car or truck should also be added because almost every plan requires you to disclose them and either list them as a driver or exclude them from coverage.

How can I buy the cheapest car insurance coverage

Sometimes the most inexpensive rate is not the best deal. Are you getting the coverage you require? Does the policy have coverages and exclusions that are reasonable to you?

A simple method for an insurance provider to have low rates is to fight every claim. Select a company with an excellent reputation and not an insurer whose only marketing is about 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 searching for the most affordable rate you have a number of options:

  • Raise your deductibles.
  • Just take the coverages you have to have.
  • Get quotes from a number of agencies. Each insurance provider weighs ranking aspects differently so costs can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.
  • Stop collecting tickets like others collect Pokemon.

Is Washington a no-fault automobile insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in a vehicle crash might share some liability when figuring out settlement for damages. Comparative negligence might enable both the claimant as well as the plaintiff to recover payment for loss if they are partially to blame for the car accident.
Auto insurance Ravensdale

When is it a great Time to buy insurance?

When you move across major life milestones you ought to reassess your automobile insurance policy coverages and check if you qualify for new discounts. Listed below are some points when your rates are most likely to adjust. If the change is considerable, it might be a great time get a new quote.

  • Marriage or Separation – Major life change. May or may not affect your rate
  • Putting on a teenage driver – Teens are 3x as prone to have a wreck, so count yourself blessed if your price only doubles.
  • Putting on or removing a driver from your plan – might either raise or reduce your rate depending upon their age as well as driving record.
  • Purchasing a new automobile – the company that had the best rate for your previous car might not be best with the new vehicle.
  • Crash – You possibly will give up your Safe Driver Discount even if the crash was not your fault.
  • Update of your credit score – if it gets significantly better, ask your agent if they can re-order your credit rating.
  • Buying a house – You might now live in a different rating zip code and you might get the home-owner’s discount and possibly the bundling discount.
  • DUI or other major infraction – If your present insurer finds out, you will be seeing a rate hike at your upcoming renewal.
  • Relocating – every postal code has a different rate and every insurer has different factors for those zip codes.

Do you need vehicle insurance coverage to get your driver’s license

You don’t need auto insurance coverage to get your Washington driver’s license yet when you take the driving examination, you need to present to the trainer evidence that the automobile you are planning to use is insured.

So, if the car or truck belongs to another person, you can just display the owner’s insurance to the instructor. Just be sure, for your security and also the auto owner’s, that their policy will cover you as a vehicle driver.

What are you waiting on?

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

Likewise, due to the number of insurers we work with, we can cover most autos as well as most drivers even if they are considered a high-risk driver. Regardless of your driving record, if it is excellent, poor, or scandalous, we should be able cover you.

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

Auto insurance Ravensdale

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 Ravensdale

Ravensdale is a census-designated place (CDP) in King County, Washington, United States. The population was 1,101 at the 2010 census. It is in the Pacific Time Zone. The elevation is 623 feet (190 m).

Based on per capita income, Ravensdale ranks 50th out of 522 areas in the state of Washington.

Ravensdale was originally called “Leary”, after the Leary Coal Company, in turn, named for John Leary, a Seattle pioneer. The latter name came from the flocks of ravens that fed on grain spilled from the boxcars on the Northern Pacific Railroad tracks that ran through the town. Underground coal mining commenced around 1899 by the Seattle and San Francisco Railway and Navigation Company, although coal had been mined in nearby Danville and Landsburg a few years earlier. The coal mines were later acquired by the Northwest Improvement Company (NWI), a subsidiary of Northern Pacific. In 1907, Ravensdale was a coal mining town with a population of about 1,000 residents, most of whom worked for the mining company. Ravensdale was officially incorporated on August 15, 1913. On November 16, 1915, at 1:25 p.m. an explosion occurred at the mine, killing 31 men, one of the worst coal mining accidents in Washington state history. The NWI mine was closed permanently and many of the immigrant miners left town seeking work elsewhere. A number of coal miners from Ravensdale moved to Ray, Arizona, to mine copper. The town was disincorporated in the 1920s.

Source: Ravensdale, Washington in Wikipedia

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