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San Juan Island WA Auto Insurance Coverage [FAQ]
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You Do Not Need Vehicle Insurance Coverage… Up Until You Do

We write car insurance coverage for San Juan Island residents and great deals of it. If you want to get the best car insurance coverage affordablely, what would you do? Kick back, budget friendly vehicle insurance is our job. Let us be your insurance expert. We can get you insured today with immediate evidence of insurance coverage so you can relax.

If you have a no-insurance ticket, you can get covered before you see the judge so you can drive without worry and potentially get your fine decreased. Our agency serves for San Juan Island and all of San Juan County and we are the general car and truck insurance professionals. No matter where you are driving in the state, farm, city, or on the freeway insurance is essential. Simply insure yourself right now!

Choose the protection you desire at a rate you can manage. We focus on representing the progressive insurance companies that offer the best prices for normal american family car owners in San Juan Island.

Check Out Our Reviews

Worried about who to depend on to manage your insurance requirements? Have a look at the wonderful Google Reviews left by our customers. Can 1300+ individuals be wrong? As soon as you are all set to set up your automobile insurance coverage, talk to us for a fast and totally free insurance quote. A normal auto quote from Mid-Columbia Insurance is much cheaper than All State Farm Ers.

Car & Truck insurance San Juan Island
Vehicle insurance San Juan Island

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

Washington state requires a driver in San Juan Island to be able to display financial responsibility either by having car insurance 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 car insurance coverage.

What is the fine for driving without cars and truck insurance coverage in San Juan Island Washington?

The fine for driving a vehicle in San Juan Island without having insurance coverage can be as much as $550. If you are without insurance coverage and are found at-fault in a crash, you could also have your license revoked for as much as 3 years and be required to get an SR22 to get your license restored.

What is the most affordable vehicle insurance coverage?

The cheapest automobile insurance you can buy is basic liability protection. This covers the damage you trigger to someone else up to your policy limits. It is the least amount of protection Washington state allows. We always advise more protection however the option is yours.
Auto insurance San Juan Island

What company has the cheapest vehicle insurance?

The most affordable car and truck insurance depends upon a variety of ‘responsibility’ factors and how much each company weights each aspect.

  • If your driving MVR is spotless, you have excellent credit, and you have actually had higher liability limits for a several years, Progressive or Safeco will probably offer the best prices for you.
  • If your driving MVR is clear however you don’t currently have insurance coverage or have just had the state minimum, Progressive or National General will probably offer the best rates for you.
  • If you have received 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 two collisions or are hoarding citations like Pokemon, then Kemper Specialty and The General will have the very best rate for you.

Among the benefits of using an independent insurance agent is that we have several insurers and can quote your insurance for you and find you the very best rate possible.

Am I really required to buy automobile insurance coverage?

Car insurance can be pricey, so you may ask yourself if you truly want to have it. Washington state does mandate you to carry a minimal level of liability insurance coverage for a reason. And, whether you believe it or not, it is not to help make insurance companies abundant. And yet is insurance coverage truly essential?

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 injured in those collisions and 37,461 individuals 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 car accident, you need responsibility insurance aka liability insurance in order to render monetary relief to the victims of the accident.

Try to envision a world without automobile insurance. Whenever you took a drive, you would be risking your bank account and your future paychecks. Insurance is developed to help secure you from costly and often devastating surprises including legal expenses if you are taken to court because of an accident.

The worth of great insurance is just revealed when you need it most. Simply put, you don’t require insurance … until you do. #AccidentsHappen

5 Factors Why You Really Needed Auto Insurance

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

So, do you really need vehicle insurance coverage? Just if you wish to safeguard your possessions and drive lawfully. Your other option is to get friendly with your local bus or uber driver.

What are the Washington state automobile insurance coverage rules?

Washington state requires all car drivers to have a minimal level of liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to provide proof of financial responsibility if you are driving a car. The easiest method to meet these requirements is to buy vehicle insurance.

The minimum auto insurance needed in Washington state is as follows:

  • Bodily Injury Liability Coverage: $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 provider however the law permits you to refuse them by signing a rejection form.

Not only should you have insurance coverage, but the law also demands that whenever you are driving in the state, you need to be able to show your proof of vehicle insurance to the police.

Failure to display proof of insurance coverage when requested by a police officer is considered an offense and can result in penalties of approximately $550.

Car insurance San Juan Island

Can I get Car insurance coverage without a drivers license?

You can get auto insurance even when you don’t have a driver license. Somebody might question why someone would need to however there are many good reasons someone may wish to, all having to do with protecting themselves and their assets.

  • You do not drive but you have a teenager who wants to drive however you have to buy the car in your name because they are a minor.
  • You do not drive for health reasons but you own a car or truck and a family members or a caregiver drives for you.
  • Your license is suspended, you most likely need to get insurance coverage and an SR22 filing so you can get your license back.
  • You’re attempting to get your license and need to drive your learner’s permit prior to taking the driving test.
  • You have a foreign driver’s license and are visiting the United States.

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

You are not lawfully obligated to have a driver’s license in order to get vehicle insurance coverage however the majority of the prominent insurers, like American Family, State Farm, Allstate, and GEICO, may not insure you without a driver’s license. Likewise, some agents might not be familiar with how and why this can be done or may just not wish to deal with it and for that reason will brush you off with a quick ‘sorry’. Let us assist. We know our stuff.

Auto insurance San Juan Island

Should I simply purchase state minimum liability limits?

Bare minimum liability insurance coverage is rarely advisable but it’s better than no insurance at all, specifically if you can not afford more.

If you don’t have any savings or assets, minimum liability coverage may suffice but it would certainly not suffice to take care of significant injuries or to repair/replace a new automobile. Without adequate insurance coverage, your future wages might be garnished to cover the damages you cause.

If you only have the state-required $10,000 property damage and hit an auto worth say $20,000, the insurance provider will certainly pay the $10,000 however you will be responsible for the rest.

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

Should I drive a vehicle I just bought without insurance coverage?

You can’t by law drive a car without insurance coverage. Even if you just bought it. Washington state mandates all automobiles driven on public roads to be insured. The fact that you just acquired the vehicle does not change the requirement.

Thankfully, if all of your presently owned cars are covered with one insurance provider then the insurance coverage on those autos conveniently transfers for a couple of days (contact your insurance agent to find out exactly the length of time).

If every one of your autos are not insured with a single company, you will wish to call your insurer before you drive off the lot. If you do not have an insurance policy, you will certainly want to call Mid-Columbia Insurance before you drive off with the car

How do I compare insurance quotes?

To review and find the best quote, you will want to consider three steps:

  1. Be sure you are requesting each insurer provide the very same coverages
  2. Ensure that you have each company quote you with the very same driving MVR
  3. Make certain you look at the insurer’s on-line track record

It is very simple for an insurer to have a reduced rate if they are presenting lower coverage or are not taking account of the same tickets and car accidents. Ensure that you’re getting a correct comparison. Select the same package of insurance coverages, limits, and deductibles as well as the very same driving MVR for each and every quote you get.

When you’ve obtained a few auto insurance quotes, consider the helpfulness of the agent you spoke to and how well they described things and also if they suggested additional insurance coverages. Then assess the company’s Google Reviews to be sure they satisfy your requirements.

Now you are prepared to choose the company that is the best suit for you and we feel confident it will be us.

Car & Truck insurance San Juan Island

Who can I insure to drive my car?

You should really list anyone that on a regular basis drives your vehicle onto your plan so there is no doubt of policy coverage should a traffic collision happen. Anybody in your household or that has frequent access to your vehicle ought to also be added because almost every plan mandates you to divulge them and either add them as a driver or exclude them from policy coverage.

How can I get the most inexpensive car insurance coverage

In some cases the cheapest price is not the best deal. Are you getting the coverage you require? Does the policy have limits and exclusions that are acceptable to you?

An easy method for an insurer to have low rates is to fight every claim. Choose an insurance company with a good track record and not a company whose only marketing has to do with 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 rate you have a number of alternatives:

  • Raise your deductibles.
  • Just take the coverages you must have.
  • Stop receiving tickets like others collect Pokemon.
  • Get quotes from a variety of insurance companies. Each insurer weighs rating elements in a different way so prices can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurance companies for you.

Is Washington a no-fault auto insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in wreck might share some responsibility when establishing compensation for damages. Comparative negligence may enable both the person at-fault and the other party to recover payment for damages if they are partly responsible for the crash.
Car insurance San Juan Island

When is really a great Time to look for insurance coverage?

When you move across significant life events you should reassess your auto insurance policy coverages as well as evaluate if you might get more discounts. Below are times when your prices are likely to change. If the adjustment is significant, it might be a great time get a new quote.

  • Putting on or removing a driver from your plan – might either raise or reduce your rate depending upon the driver’s age and also driving MVR.
  • Marriage or Separation – Significant life change. May or may not affect your premium
  • Relocating – every postal code has a different price and every insurer has different factors for each postal code.
  • Getting a new house – You might now live in a new rating zip code and you might now qualify for the homeowner’s discount as well as the bundling discount.
  • Car accident – You most likely will forfeit your Safe Driver Discount even if the car accident was not your fault.
  • Putting on a teenager – Teens are three times as likely to be involved in an accident, so consider yourself blessed if your rate only doubles.
  • DUI or other major offense – If your present company finds out, you will be seeing a rate hike at your upcoming renewal.
  • Change of your credit rating – if it gets dramatically better, ask your insurer if they can have your credit report re-ordered.
  • Getting a car or truck – the insurer that had the very best price for your old vehicle might not be best with this one.

Do you need cars and truck insurance coverage to get a drivers license

You do not require vehicle insurance to obtain your Washington driver’s license yet when you take the driving examination, you have to show to the examiner proof that the car you are planning to use has insurance.

So, if the auto belongs to another person, you can just present the owner’s insurance card to the driving instructor. Just make certain, for your safety and the auto owner’s, that their policy will cover you as a vehicle driver.

What are you waiting on?

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

Also, due to the variety of companies we work with, we can cover most cars and trucks and also most drivers even if they are considered a risky driver. Despite your driving MVR, if it is good, bad, or ugly, we can insure you.

Why are you just sitting there? Call us right now at ( 509 )783-5600 or Request A Quote here to get your totally free automobile quote.

Vehicle insurance San Juan Island

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 Island

San Juan Island is the second-largest and most populous of the San Juan Islands in northwestern Washington, United States. It has a land area of 142.59 km² (55.053 sq mi) and a population of 6,822 as of the 2000 census.

Washington State Ferries serves Friday Harbor, which is San Juan Island’s major population center, the San Juan County seat, and the only incorporated town in the islands.

The name “San Juan” originates from the 1791 expedition of Francisco de Eliza, who named the archipelago Isla y Archipiélago de San Juan to honor his patron sponsor, Juan Vicente de Güemes Padilla Horcasitas y Aguayo, 2nd Count of Revillagigedo. One of the officers under Eliza’s command, Gonzalo López de Haro, was the first European to discover San Juan Island. During the Wilkes Expedition, American explorer Charles Wilkes renamed the island Rodgers Island; the Spanish name remained on British nautical charts and over time became the island’s official name.

Source: San Juan Island, Washington in Wikipedia

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