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Silverdale WA Automobile Insurance Coverage [FAQ]
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You Don’t Really Need Car Insurance… Till You Do

We write car and truck insurance for Silverdale drivers and great deals of it. If you must get the best car insurance at a low-price, what would you do? Kick back, affordable auto insurance coverage is our niche. Let us be your insurance guru. We will get you insured right now with instant evidence of insurance so you can drive safe.

If you got a driving without insurance ticket, you can get covered before you see the judge so you can drive lawfully and possibly get your ticket lowered. Mid-Columbia Insurance serves for Silverdale and all of Kitsap County and we are the general auto insurance specialists. No matter where you are driving in the state, farm, city, or on the freeway insurance is essential. Just insure yourself today!

Select the protection you want to have at a price you can afford. We concentrate on representing the progressive insurers that provide the very best prices for common american family motorists in Silverdale.

Check Out Our Reviews

Anxious about who to rely on to manage your insurance coverage needs? Check out the wonderful Google Reviews given by our customers. Can 1300+ people be wrong? When you’re all set to get your vehicle insurance coverage kicked off, phone us for a quick and free quote. A regular auto insurance quote from us is much better than All State Farm Ers.

Car & Truck insurance Silverdale
Car insurance Silverdale

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

Washington state demands a driver in Silverdale to be able to prove 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.

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

The penalty for driving a auto in Silverdale without insurance is up to $550. If you don’t have insurance and are found at-fault in a wreck, you could have your license suspended for as much as 3 years and be expected to file an SR22 to get your license restored.

What is the least expensive vehicle insurance?

The least expensive cars and truck insurance coverage you can purchase is basic liability protection. This covers any damage you cause to another person up to your policy limits. It is the minimum coverage Washington state permits. We definitely suggest more protection however the option is yours.
Auto insurance Silverdale

Who has the most inexpensive car insurance coverage?

The most inexpensive car insurance coverage depends on a number of ‘responsibility’ aspects and just how much each insurer weights each element.

  • If your driving MVR is clean, you have great credit, and you have had higher liability limits for a number of years, Progressive or Safeco will probably have the best rates for you.
  • If your driving history is clear but you do not currently have insurance or have just been carrying the state minimum, National General and Progressive will probably have the best rates for you.
  • If you have actually collected a couple tickets or had a collision, National General or Dairyland will most likely have the best rates for you.
  • If you have had more than 2 collisions or are gathering tickets like they are Pokemon, then Kemper Specialty or The General will most likely have the very best rate for you.

Among the advantages of teaming up with an independent insurance agent is that we have multiple companies and can quote your insurance coverage for you and get you the very best price possible.

Am I really required to carry vehicle insurance coverage?

Cars and truck insurance coverage can be costly, so you may ask yourself if you really need to have it. Washington state does call for you to carry a minimal amount of liability insurance coverage for a reason. And, whether you believe it or not, it is not to help make insurance companies rich. Still, is insurance really necessary?

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

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

Try to think of a country without automobile insurance. Every time you took a drive, you would be risking your financial well being and your future income. Insurance is designed to help secure you from pricey and sometimes ruinous surprises including legal expenses if you are taken to court due to a wreck.

The value of good insurance coverage is just exposed when you need it most. To put it simply, you don’t require insurance … till you do. #AccidentsHappen

5 Factors Why You Require Automobile Insurance

  1. Save a great deal of cash later on by spending a little bit today
  2. Safeguard the financial investment you have in your automobile
  3. Pay for hospital costs for you and your passengers after a car accident
  4. Cover you, your passengers, and your car or truck if hit by an uninsured driver
  5. Secure your home, savings accounts, and other investments from a lawsuit

So, do you actually need to have car insurance? Only if you want to secure your properties and drive legally. Your other option is to get friendly with your neighborhood bus or uber driver.

What are the Washington state vehicle insurance coverage regulations?

Washington state requires all car drivers to carry a minimum level of liability insurance coverage to lawfully drive in the state. You are expected by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a car. The most convenient method to fulfill these requirements is to buy car insurance coverage.

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

  • Bodily Injury Liability Coverage: $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 made available by the insurer however the law enables you to decline them by signing a rejection form.

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

Failure to display proof of coverage when asked for by a law enforcement officer is considered an infraction and can lead to fines of approximately $550.

Vehicle insurance Silverdale

Can I buy insurance coverage without a license?

You can purchase automobile insurance coverage even though you don’t have a driver license. Someone may well question why somebody would bother however there are many legitimate reasons somebody might wish to, all involving securing themselves and their assets.

  • Your license is suspended, you probably want to get insurance coverage and an SR22 filing so you can get your license back.
  • You have a foreign driver’s license and are visiting the United States.
  • You don’t drive a car for health reasons however you own an automobile and a family members or a caretaker drives for you.
  • You do not drive but you have a teen who wishes to drive but you have to buy the car in your name because they are underage.
  • You’re trying to get your license and require practice with your learner’s permit prior to taking the driving test.

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

You are not legally obligated to have a driver license in order to purchase vehicle insurance however the majority of the big-name insurance providers, like American Family, State Farm, Allstate, and GEICO, will not insure you without a driver’s license. Likewise, some representatives may not be familiar with how and why it can be done or might simply not want to be bothered and therefore will brush you off with a quick ‘sorry’. Let us assist. We know our stuff.

Automobile insurance Silverdale

Should I just purchase state minimum limits?

Bare minimum liability insurance coverage is rarely suggested but it’s far better than no insurance at all, specifically if you can not budget for a lot more.

If you don’t have any savings or assets, minimal liability protection might suffice yet it would certainly not be enough to pay for serious injuries or to repair/replace a newer car. Without sufficient coverage, your future earnings may be garnished to cover the damages you cause.

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

Basically, you are self-insuring for anything over the insurance limits you have actually selected. If you don’t wish to have your income garnished or your assets sold off, seriously think about getting greater limits of liability.

Should I drive a car I recently purchased without insurance?

You can not legally drive a car without having insurance coverage. Even if you just now bought it. Washington state requires all automobiles driven on public roadways to be insured. The fact that you just now purchased the automobile does not change the requirement.

Luckily, if all of your presently owned autos are covered by one insurance company then the insurance coverage on those cars and trucks conveniently transfers for a few days (get in touch with your insurer to find out exactly the length of time).

If every one of your vehicles are not insured with a single insurance company, you will want to call your agent before you drive off the lot. If you do not have insurance coverage, you ought to call Mid-Columbia Insurance prior to driving off with the car

How can I review insurance quotes?

To analyze and choose the best quote, you will want to follow 3 steps:

  1. Make certain you are asking each company for the identical coverages
  2. Ensure you have each agent quote you with the exact same driving MVR
  3. Be sure you check out the agency’s on-line reputation

It is extremely simple for an insurer to have a lower price if they are providing reduced insurance coverage or are not factoring in the exact same tickets and crashes. Make certain you’re receiving an accurate comparison. Select the exact same package of protections, limits, and deductibles and also the very same driving record for every quote you request.

When you’ve received a number of car insurance quotes, factor in the helpfulness of the representative you spoke with and how well they clarified things and also if they suggested additional coverages. Then read the agency’s Google Reviews to be sure they measure up to your criteria.

Now you are prepared to select the agency that is the very best fit for you and we trust it is us.

Car & Truck insurance Silverdale

Who can I add to drive my vehicle?

You need to include anyone who often drives your car onto your insurance plan so there is no doubt of policy coverage should an accident take place. Anyone in your home or that has routine access to your vehicle needs to likewise be listed because virtually every insurance plan requires you to disclose them and either list them as an operator or exclude them from policy coverage.

How can I receive the most affordable car insurance coverage

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

A basic way for an insurer to have low rates is to fight every claim. Choose an insurer with a good reputation and not an insurer whose only advertising has to do with saving you 15% or saving those who change some fake dollar amount – you know it is a lie. They understand it works.

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

  • Raise your deductibles.
  • Stop receiving tickets like others gather Pokemon.
  • Get quotes from a number of companies. Each insurance companies weighs ranking factors differently so rates can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous companies for you.
  • Just take the protections you must have.

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 an auto wreck may share some liability when determining compensation for damages. Comparative negligence may allow both the person at-fault and the other party to recover payment for damages if they are partially at fault for the traffic collision.
Automobile insurance Silverdale

When is usually a good time to purchase insurance?

When you cross significant life milestones you need to reassess your automobile insurance policy and evaluate if you might get new discounts. Below are some of the times when your prices are likely to change. If the adjustment is substantial, it may be time get a new quote.

  • Adding or taking off a driver from your policy – can either increase or reduce your price depending on the driver’s age as well as their driving record.
  • DUI or other major offense – If your current insurer learns about it, you will certainly be seeing a rate increase at your next renewal.
  • Car accident – You probably will lose your Safe Driver Discount even if the accident was not-at-fault.
  • Marriage or Separation – Significant life change. May or may not change your premium
  • Acquiring a home – You might now be in a different rating zip code as well as you may get the home owner’s discount and the bundling discount.
  • Revision of your credit rating – if it gets dramatically better, ask your insurer if they can have your credit rating re-ordered.
  • Acquiring a new automobile – the insurer that had the lowest price for your previous auto may not be best with the new vehicle.
  • Adding a teen driver – Teens are three times as likely to have an accident, so consider yourself blessed if your insurance price only doubles.
  • Relocating – every zip code has a different rate and also every company has different factors for each postal code.

Are you required to have car insurance to get a drivers license

Auto insurance coverage is not needed to get 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 going to use is insured.

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

Why are you delaying?

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

Also, due to the variety of insurance companies we work with, we can cover most automobiles and also most drivers even if they are considered a high-risk driver. No matter your driving record, if it is great, poor, or horible, we should be able insure you.

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

Car insurance Silverdale

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 Silverdale

Silverdale is a census-designated place (CDP) in Kitsap County, Washington, in the United States. The population was 19,204 at the 2010 census. Despite many attempts at incorporation, Silverdale remains an unincorporated community.

Silverdale ranks 158th among 522 areas in Washington for which per capita income data is collected.

Silverdale is located on the Kitsap Peninsula at 47°39′34″N 122°40′36″W / 47.65944°N 122.67667°W / 47.65944; -122.67667 (47.659410, -122.676630). It is 9 miles (14 km) northwest of the city of Bremerton and the same distance south of Poulsbo. Silverdale lies at the north tip of Dyes Inlet, which connects it to Bremerton via Sinclair Inlet and to the Pacific Ocean via Port Orchard and Puget Sound.

Source: Silverdale, Washington in Wikipedia

Best Car Dealerships Near Silverdale

West Hills Honda
123 reviews
Auto Repair, Car Dealers, Auto Parts & Supplies
520 W Hills Blvd, Bremerton, WA 98312
Kimbrell Auto Sales
4 reviews
Used Car Dealers, Auto Repair, Auto Detailing
9549 Silverdale Way NW, Silverdale, WA 98383
Peninsula Subaru
83 reviews
Auto Repair, Car Dealers, Auto Parts & Supplies
3888 W State Hwy 16, Bremerton, WA 98312
Liberty Bay Auto Center
44 reviews
Auto Repair, Auto Parts & Supplies, Used Car Dealers
20201 Front St NE, Poulsbo, WA 98370

Top Places to Visit Near Silverdale

Oak Table Cafe
600 reviews
American (New), Breakfast & Brunch
3290 Mount Vintage Way, Silverdale, WA 98383
Silver City Restaurant & Brewery
800 reviews
Breweries, American (New)
2799 NW Myhre Rd, Silverdale, WA 98383
Heidi Teriyaki Express
158 reviews
Japanese, Vietnamese
3014 NW Bucklin Hill Rd, Silverdale, WA 98383
Jo:a Japanese Restaurant
321 reviews
Japanese, Sushi Bars
10516 Silverdale Way NW, Ste 120, Silverdale, WA 98383