(509) 783-5600 [email protected]

Redmond WA Car & Truck Insurance Coverage [FAQ]
Obtain Immediate Evidence of Insurance!

You Don’t Really Need Vehicle Insurance Coverage… Up Until You Do

We write car insurance coverage for Redmond motorists and lots of it. If you want to get the best auto insurance affordablely, what would you do? Chill, budget friendly car insurance coverage is our specialty. Let us be your insurance guru. We will get you insured now with instant evidence of insurance so you can drive safe.

If you received a driving without insurance ticket, you can get insured before you go to court so you can drive lawfully and perhaps get your court fine lowered. Our agency serves for Redmond and all of King County and we are the general auto insurance experts. No matter where you are driving in the state, farm, city, or on the freeway insurance is essential. Merely get yourself covered today!

Discover the protection you need at a price you can afford. We specialize in representing the progressive insurers that provide the very best prices for normal american family motorists in Redmond.

Check Out Our Reviews

Anxious about who to depend on to manage your insurance coverage requirements? Check out the great Google Reviews left by our clients. Can 1300+ people be wrong? As soon as you’re ready to kick off your car or truck insurance coverage, reach out to us for a fast and free quote. A typical car insurance quote from us is much less expensive than All State Farm Ers.

Automobile insurance Redmond
Auto insurance Redmond

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

Washington state demands all drivers in Redmond to be able to show financial responsibility either by having automobile insurance coverage or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can get you started with the automobile insurance coverage.

What is the fine for no cars and truck insurance in Redmond Washington?

The penalty for operating a car in Redmond without any insurance coverage can be as much as $550. If you don’t have insurance and are found at-fault in an accident, you could have your license suspended for up to 3 years and be required to file an SR22 to get your license restored.

What is the most affordable vehicle insurance coverage?

The most affordable automobile insurance coverage you can acquire is basic liability protection. This compensates for any damage you cause to somebody else up to your policy limits. It is the minimum protection Washington state authorizes. We always suggest more protection however the option is yours.
Car insurance Redmond

Who has the cheapest vehicle insurance coverage?

The least expensive car insurance depends on a number of ‘responsibility’ variables and just how much each insurance company weights each element.

  • If your driving MVR is clear, you have excellent credit, and you have actually had greater liability limits for a number of years, Safeco and Progressive will more than likely have the best prices for you.
  • If your driving record is clear however you haven’t had insurance coverage or have just had the state minimum, Progressive or National General will probably have the very best prices for you.
  • If you have actually collected a couple tickets or had an accident, Dairyland and National General will probably have the very best rates for you.
  • If you have had more than 2 wrecks or are receiving citations like they are Pokemon, then Kemper Specialty or The General will most likely have the best price for you.

Among the advantages of using an independent insurance agency is that we partner with multiple insurance companies and can look around your insurance for you and find you the very best rate possible.

Do I truly need to buy vehicle insurance coverage?

Auto insurance can be expensive, so you may ask yourself if you actually need it. Washington state does call for you to carry a minimum required level of liability insurance for a good reason. And, whether you believe it or not, it is not to make insurance providers rich. But is insurance coverage actually necessary?

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

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

Try to imagine a country without automobile insurance coverage. Every time you took a drive, you would be risking your bank account and your future earnings. Insurance coverage is created to help safeguard you from costly and in some cases ruinous incidents including legal costs if you are brought to justice due to a car accident.

The worth of good insurance coverage is only revealed when you need it most. Simply put, you do not need insurance … until you do. #AccidentsHappen

5 Factors You Require Auto Insurance Coverage

  1. Cover you, your passengers, and your car or truck if struck by an uninsured driver
  2. Save a lot of cash later by spending a little bit now
  3. Cover medical expenses for you and your guests after an accident
  4. Protect the financial investment you have in your car or truck
  5. Safeguard your home, savings accounts, and other investments from a lawsuit

So, do you really need to get car or truck insurance coverage? Just if you wish to secure your properties and drive lawfully. Your other alternative is to get friendly with your neighborhood bus or uber driver.

What are the Washington state car insurance coverage requirements?

Washington state demands all car drivers to carry a minimum level of liability insurance coverage to legally drive a vehicle in the state. You are required by the Financial Liability Law to be able to present evidence of financial responsibility if you are driving a motor vehicle. The simplest method to meet these requirements is to buy auto insurance.

The minimum automobile insurance coverage required 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 protections need to be offered by the insurance company however the law allows you to refuse them by signing a rejection form.

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

Failure to show evidence of insurance when requested by a cop is considered an offense and can lead to fines of approximately $550.

Car insurance Redmond

Can I buy Automobile insurance without a license?

You can purchase car insurance coverage even when you do not have a driver license. You may well wonder why somebody would bother but there are several legitimate reasons somebody might , all having to do with securing themselves and their stuff.

  • Your license is suspended, you most likely plan to get insurance and an SR22 filing so you can get your license back.
  • You don’t drive but you have a teen who wants to drive however you have to purchase the vehicle in your name given that they are underage.
  • You’re attempting to get your license and need to drive your learner’s permit before taking the driving test.
  • You have a foreign driver’s license and are visiting the United States.
  • You do not drive a car for health factors however you own a car or truck and a member of the family or a caregiver drives for you.

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

You are not legally required to have a driver license in order to purchase vehicle insurance coverage but the majority of the prominent insurance providers, like American Family, State Farm, Allstate, and GEICO, may not insure you without a driver’s license. Also, some representatives might not be familiar with how and why this can be done or might just not want to deal with it and therefore will brush you off with a quick ‘no’. Let us help. We know our stuff.

Car insurance Redmond

Should I just purchase state minimum liability limits?

Bare minimum liability protection is rarely recommended however it’s much better than no insurance coverage at all, specifically if you can’t pay for extra.

If you have no savings or assets, minimum liability protection might be adequate yet it would not be enough to cover serious injuries or to repair/replace a new auto. Without sufficient insurance coverage, your future wages might be garnished to cover the damage you cause.

If you only have the state-required $10,000 property damage and strike a car worth say $20,000, the insurer will pay the $10,000 but you are responsible for the remainder.

Basically, you are self-insuring for anything over the insurance coverage limits you have selected. If you don’t want to have your wages garnished or your properties sold, seriously consider getting greater limits of liability.

May I drive a vehicle I recently bought without insurance coverage?

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

Thankfully, if all your presently owned cars and trucks are insured with one insurance company then the coverage from those automobiles conveniently transfers for a few days (contact your insurance agent to learn specifically how long).

If all of your cars are not insured with one insurer, you will certainly want to call your insurer prior to driving off the lot. If you do not have an insurance policy, you ought to call Mid-Columbia Insurance before you drive off with the car

How do I compare insurance coverage quotes?

To analyze and find the very best quote, you will need to follow three steps:

  1. Ensure you are asking each company for the exact same insurance coverages
  2. Be sure you have each insurer quote you with the identical driving record
  3. Ensure that you take a look at the company’s online reviews

It is really easy for a company to have a lower rate if they are offering reduced protection or are not including the same tickets and car accidents. Ensure you’re receiving an accurate comparison. Select the very same package of coverages, limits, and deductibles as well as the very same driving history for each quote you request.

When you’ve gotten a handful of auto insurance quotes, think about the helpfulness of the representative you talked with and how well they described things and if they recommended other coverages. Then take a look at the agency’s Google Reviews to make sure they meet your criteria.

Now you are ready to pick the agency that is the very best match for you and we feel confident it is us.

Automobile insurance Redmond

Who can I cover to drive my car?

You need to include everyone that frequently drives your car onto your policy so there is no doubt of insurance coverage if a crash occurs. Everyone in your household or that has frequent use of your auto needs to likewise be listed since almost every insurance policy obligates you divulge them and either list them as an operator or exclude them from coverage.

How can I receive the cheapest vehicle insurance

Often the most inexpensive price is not the best value. Are you getting the protection you need? Does the insurance policy have coverages and exclusions that are acceptable to you?

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

If you are just trying to find the most affordable rate you have a number of choices:

  • Stop collecting tickets like others gather Pokemon.
  • Just take the protections you need to have.
  • Get quotes from a variety of agencies. Each insurer weighs rating factors in a different way so rates can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurers for you.
  • Raise your deductibles.

Is Washington a no-fault car insurance state?

Washington is not a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in a vehicle crash might share some responsibility when calculating settlement for damages. Comparative negligence might permit both the claimant and the plaintiff to recover payment for damages if they are partially liable for the wreck.
Car insurance Redmond

When is usually a good time to purchase insurance?

When you move across major life milestones you really should reassess your vehicle insurance policy coverages as well as see if you qualify for more discounts. Below are some of the times when your rates are likely to adjust. If the adjustment is significant, it might be a great time get a new quote.

  • Putting on or removing a driver from your policy – can either raise or lower your price depending on the driver’s age and also driving history.
  • DUI or other significant infraction – If your existing insurer learns about it, you will certainly be seeing a rate hike at your next renewal.
  • Wreck – You most likely will forfeit your Safe Driver Discount even if the accident was not-at-fault.
  • Marriage or Divorce – Significant life change. May or may not affect your price
  • Change of your credit rating – if your score considerably improves, ask your representative if they can re-order your credit history.
  • Getting a house – You might now be in a new rating zip code as well as you might get the home owner’s discount and the bundling discount.
  • Buying a car – the insurer that had the lowest price for your previous auto might not be best with the new car.
  • Adding a teenager – They are three times more likely to have a car accident, so consider yourself fortunate if your insurance rate only doubles.
  • Moving – every postal code has a different rate and also every company has different factors for those zip codes.

Do you need car insurance to get a driver’s license

Auto insurance coverage is not required to obtain your Washington driver’s license yet when you take the driving examination, you need to present to the examiner evidence that the car or truck you are planning to use is insured.

So, if the automobile belongs to another person, you can simply display the owner’s insurance card to the driving instructor. Just make sure, for your safety and also the vehicle owner’s, that their plan will cover you as a driver.

What are you waiting for?

Mid-Columbia Insurance partners with 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 trust.

Additionally, due to the variety of companies we work with, we can insure most cars as well as most drivers even if they are considered a risky driver. No matter your driving MVR, if it is good, poor, or horible, we can cover you.

Why just sit there? Call us now at ( 509 )783-5600 or Ask for A Quote here to get your complimentary vehicle quote.

Automobile insurance Redmond

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 Redmond

Redmond is a city in King County, Washington, United States, located 15 miles (24 km) east of Seattle. The population was 54,144 at the 2010 census and an estimated 71,929 in 2019. Redmond is commonly recognized as the home of Microsoft and Nintendo of America. With an annual bike race on city streets and the state’s only velodrome, Redmond is also known as the “Bicycle Capital of the Northwest”.

Native Americans have lived in the Redmond area for over 10,000 years, based on artifacts discovered at the Redmond Town Center archaeological site and Marymoor Prehistoric Indian Site. The first European settlers arrived in the 1870s. Luke McRedmond filed a Homestead Act claim for land next to the Sammamish Slough on September 9, 1870, and the following year Warren Perrigo took up land adjacent to him. The rivers and streams had so many salmon that the settlement was initially named Salmonberg. More settlers came, and with the establishment of the first post office in 1881, the name of the community was changed to Melrose. The new name was derived from the Perrigos’ successful inn, Melrose House, which upset McRedmond. After becoming postmaster, he successfully petitioned to have the name changed to Redmond in 1883.

The abundant forests and fish of Redmond provided jobs for loggers and fishermen, and with those jobs came demand for goods and services, bringing in merchants. The logging industry expanded significantly in 1889 when the Seattle, Lake Shore and Eastern Railway built a station in the center of town. The first plat for Redmond was filed on May 11, 1891, encompassing much of the area now known as downtown. After reaching the necessary population of 300, Redmond was incorporated on December 31, 1912.

Source: Redmond, Washington in Wikipedia

Top Car Dealerships Near Redmond

A1 Luxury Motors
17 reviews
Car Dealers, Auto Repair
7438 159th Pl NE, Redmond, WA 98052
Amazing Autowoman
36 reviews
Car Dealers, Car Brokers
13285 NE 20th St, Bellevue, WA 98005
Championship Motors
41 reviews
Car Dealers
8210 Avondale Way NE, Redmond, WA 98052
Honda Of Kirkland
282 reviews
Car Dealers
12420 NE 85th St, Kirkland, WA 98033

Best Things to Do Around Redmond

Tipsy Cow Burger Bar – Redmond
1207 reviews
Burgers, Bars
16325 Cleveland St, Redmond, WA 98052
Five Stones Coffee Company
389 reviews
Coffee & Tea
8102 161st Ave NE, Redmond, WA 98052
688 reviews
Cocktail Bars, American (New)
16175 Cleveland St, Ste 109, Redmond, WA 98052
The Stone House
443 reviews
American (New)
16244 Cleveland St, Redmond, WA 98052