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San Juan County WA Vehicle Insurance [FAQ]
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You Do Not Need Auto Insurance Coverage… Till You Do

We write car insurance for San Juan County car owners. And lots of it. If you must get the best car and truck insurance inexpensively, what would you do? Relax, reasonable car insurance is our specialty. Let us be your insurance expert. We will get you protected now with immediate proof of insurance so you can drive confident.

If you received a driving without insurance ticket, our team can get you covered before you go to court so you can drive without worry and potentially get your court fine decreased. Our agency serves for San Juan 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 needed. Simply insure yourself now!

Select the protection you require at a cost you can afford. We focus on representing the progressive insurers that provide the very best prices for typical american family drivers in San Juan County.

Check Out Our Reviews

Concerned about who to rely upon to handle your insurance requirements? Take a look at the wonderful Google Reviews given by our clients. Can 1300+ people be wrong? When you’re all set to start your automobile insurance coverage, call us for a quick and complimentary quote. A regular auto quote from us is more affordable than All State Farm Ers.

Automobile insurance San Juan County
Automobile insurance San Juan County

Are you required to have vehicle insurance in San Juan County Washington?

Washington state expects a driver in San Juan County to be able to show 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 get you started with the vehicle insurance coverage.

What is the fine for no vehicle insurance in San Juan County Washington?

The fine for driving a automobile or motorcycle in San Juan County without having insurance coverage can be as much as $550. If you are without insurance and are found at-fault in an accident, you could also have your license suspended for approximately 3 years and be required to file an SR22 to get your license reinstated.

What is the least expensive vehicle insurance coverage?

The least expensive auto insurance coverage you can acquire is basic liability protection. This compensates for any damage you trigger to somebody else up to your policy limits. It is the minimum coverage Washington state allows. We definitely advise more protection however the option is yours.
Vehicle insurance San Juan County

Who has the cheapest vehicle insurance coverage?

The least expensive car and truck insurance depends on a variety of ‘responsibility’ factors and how much each insurance company weights each aspect.

  • If your driving history is clean, you have excellent credit, and you have had higher liability limits for a number of years, Progressive and Safeco will more than likely have the best rates for you.
  • If your driving record is clean however you haven’t had insurance coverage or have just had the state minimum, Progressive and National General will probably offer the best rates for you.
  • If you have actually picked up a couple tickets or had a wreck, National General or Dairyland will probably have the best rates for you.
  • If you have actually had more than 2 wrecks or are collecting citations like they are Pokemon, then Kemper Specialty or The General will most likely have the very best rate for you.

One of the advantages of partnering with an independent insurance agent is we represent several companies and can look around your insurance for you and get you the very best price possible.

Do I actually need to carry car insurance?

Car insurance can be expensive, so you may ask yourself if you actually need it. Washington state does require you to purchase a minimal amount of liability insurance for a good reason. And, believe it or not, it is not to make insurers rich. Nevertheless is insurance truly required?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic crashes took place and 3,144,000 people were hurt in those mishaps and 37,461 people were killed, an average of 102 individuals every day, one fatality every 14 minutes.

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

Try to picture a world without automobile insurance coverage. Every time you went for a drive, you would be risking your financial well being and your future earnings. Insurance coverage is created to assist protect you from pricey and sometimes ruinous surprises including legal costs if you are taken to court because of a car accident.

The worth of excellent insurance coverage is only exposed when you require it most. In other words, you don’t need insurance coverage … until you do. #AccidentsHappen

5 Factors Why You Really Needed Car Insurance

  1. Safeguard the financial investment you have in your vehicle
  2. Cover you, your guests, and your automobile if hit by an uninsured motorist
  3. Save a great deal of money later by paying a bit now
  4. Safeguard your house, savings accounts, and other possessions from a lawsuit
  5. Pay for hospital expenses for you and your guests after a car accident

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

What are the Washington auto insurance coverage regulations?

Washington state mandates all drivers to have a minimal level of liability insurance coverage to legally 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 an automobile. The simplest way to fulfill these requirements is to get vehicle insurance coverage.

The minimum vehicle 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 coverages have to be offered by the insurance company however the law permits you to reject them by signing a rejection form.

Not only should you have insurance, but the law likewise demands that any time you are driving a vehicle in the state, you must be able to present your proof of automobile insurance coverage to the police.

Failure to show proof of insurance coverage when asked by a cop is regarded as an infraction and can result in penalties of approximately $550.

Auto insurance San Juan County

Can you get Vehicle insurance without a drivers license?

You can purchase car insurance despite the fact that you do not have a driver license. You may question why somebody would need to however there are a variety of good reasons someone may want to, all pertaining to protecting themselves and their assets.

  • You’re attempting to get your license and need to practice with your learner’s permit before taking the driving test.
  • Your license is suspended, you most likely wish to get insurance and an SR22 filing so you can get your license back.
  • You do not drive but you have a teen who wishes to drive however you have to buy the car or truck in your name since they are underage.
  • You do not operate a vehicle for health factors but you own a car and a family members or a caretaker drives for you.
  • You have a foreign driver’s license and are visiting the United States.

In all these situations and more we can assist you to get insurance even if do not have a driver’s license.

You are not legally required to have a drivers license in order to buy car insurance however most of the prominent insurers, like GEICO, Allstate, State Farm, and American Family, will not insure you without a driver’s’s license. Also, some agents may not be familiar with how and why this can be done or may just not want to deal with it and therefore will brush you off with a fast ‘sorry’. Let us assist. We know our stuff.

Vehicle insurance San Juan County

Should I simply buy state minimum limits?

Bare minimum liability insurance coverage is seldom a good idea however it’s far better than no insurance at all, specifically if you can’t budget for more.

If you don’t have any savings or assets, minimal liability insurance coverage may be enough yet it would certainly not be enough to cover severe injuries or to repair/replace a more recent vehicle. Without enough insurance, your future earnings might be garnished to cover the damages you trigger.

If you only are carrying the state-required $10,000 property damage and hit a car or truck worth say $20,000, the insurance company will certainly pay the $10,000 however you will be accountable for the rest.

Basically, you are self-insuring for anything over the insurance limits you have chosen. If you don’t want to have your salary garnished or your properties sold off, seriously think about getting higher limits of liability.

Should I drive an automobile I just purchased without insurance coverage?

You can’t legally drive a car or truck without insurance coverage. Even if you just now purchased it. Washington state requires all autos driven on public roadways to be insured. The fact that you recently purchased the vehicle does not change the requirement.

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

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

How can I review insurance coverage quotes?

To analyze and identify the best quote, you will need to follow 3 steps:

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

It is really easy for an insurer to have a reduced rate if they are providing less protection or are not using the same tickets and wrecks. Ensure you’re receiving a correct comparison. Select the exact same set of coverages, limits, and deductibles as well as the same driving MVR for every quote you request.

After you’ve obtained a few auto insurance quotes, consider the helpfulness of the representative you spoke with and how well they described things and also if they suggested additional coverages. Then check the agency’s Google Reviews to ensure they meet your standards.

At this time you are ready to pick the agency that is the best match for you and we hope it is us.

Auto insurance San Juan County

Who can I cover to drive my vehicle?

You need to include anyone that habitually drives your automobile onto your insurance plan so there is no question of coverage if a collision occurs. Everyone in your house or that has frequent use of your car needs to also be included because practically every insurance plan obligates you disclose them and either include them as an operator or exclude them from policy coverage.

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

In some cases the most inexpensive rate is not the very best price. Are you getting the protection you require? Does the insurance policy have limits and exclusions that are reasonable to you?

A simple method for an insurance provider to have low rates is to fight every claim. Choose an insurance company with a good track record and not a company whose sole advertising is about saving you 15% or saving those who change some fake dollar amount – you understand it is a lie. They know it works.

If you are just searching for the most affordable price you have a variety of options:

  • Only carry the coverages you must have.
  • Stop getting tickets like others collect Pokemon.
  • Get quotes from a number of insurers. Each insurer weighs rating aspects differently so rates can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous insurance companies for you.
  • Raise your deductibles.

Is Washington a no-fault car insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all parties involved in a vehicle accident may share some responsibility when establishing compensation for damages. Comparative negligence might enable both the person at-fault as well as the other party to recoup compensation for loss if they are partly responsible for the crash.
Car & Truck insurance San Juan County

When is it a great Time to shop for insurance coverage?

When you cross significant life situations you ought to reassess your auto insurance coverages and check if you qualify for better discounts. Below are some points when your prices are likely to change. If the change is significant, it may be a great time get a new quote.

  • DUI or other major violation – If your present insurance company learns about it, you will be seeing a rate increase at your next renewal.
  • Buying a new home – You may now be in a different rating postal code and you may qualify for the homeowner’s discount and the bundling discount.
  • Adding a teen driver – Teens are 3x as likely to be involved in an accident, so consider yourself lucky if your insurance price just doubles.
  • Accident – You most likely will forfeit your Safe Driver Discount even if the crash was not your fault.
  • Moving – every postal code has a different rate and every company has different factors for each zip code.
  • Acquiring a new car – the company that had the very best rate for your old vehicle might not be best with the new car.
  • Adding or taking off a driver from your plan – can either increase or reduce your price depending on the driver’s age and also driving history.
  • Revision of your credit rating – if your score gets considerably better, ask your insurer if they can re-order your credit history.
  • Marriage or Divorce – Major life change. May or may not change your rate

Do you need cars and truck insurance coverage to get your driver’s license

Auto insurance is not needed to obtain your Washington driver’s license yet when you take the driving test, you will need to show to the trainer proof that the auto you are planning to use is insured.

So, if the auto belongs to somebody else, you can simply display the owner’s insurance card to the examiner. Only be sure, for your safety and also the car or truck owner’s, that their insurance will cover you as a driver.

What are you waiting on?

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

Also, as a result of the number of insurers we represent, we can insure most autos and most drivers even if they are categorized as a risky driver. Despite your driving record, if it is excellent, poor, or horible, we should be able cover you.

What are you waiting on? Call us today at ( 509 )783-5600 or Request A Quote right here to get your totally free car insurance quote.

Automobile insurance San Juan 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 San Juan County

San Juan County is a county located in the Salish Sea in the far northwestern corner of the U.S. state of Washington. As of the 2010 census, its population was 15,769. The county seat and only incorporated city is Friday Harbor, located on San Juan Island. The county was formed on October 31, 1873, from Whatcom County and is named for the San Juan Islands, which are in turn named for Juan Vicente de Güemes, 2nd Count of Revillagigedo, the Viceroy of New Spain.

Although the islands themselves have no state highways, the ferry routes serving the islands are designated as part of the state highway system.

The San Juan Islands were the subject of a territorial dispute between Great Britain and the United States from 1846 to 1872, leading to the Pig War in 1859.

Source: San Juan County, Washington in Wikipedia

Top Car Dealerships Near San Juan County

SK Motorsport
14 reviews
Auto Repair, Oil Change Stations, Towing
1926 Humboldt St, Bellingham, WA 98225

Best Things to Do By San Juan County

Cask and Schooner
660 reviews
Seafood, British, American (Traditional)
1 Front St, Ste 1, Friday Harbor, WA 98250
Brown Bear Baking
369 reviews
Coffee & Tea, Breakfast & Brunch, Sandwiches
29 N Beach Rd, Eastsound, WA 98245
San Juan Bistro
125 reviews
American (New), Desserts, Beer Bar
155 Nichols St, Friday Harbor, WA 98250
Orcas Village Store
44 reviews
Grocery, Delis
10 Killebrew Lk Rd, Orcas, WA 98280