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Spokane County WA Automobile Insurance Coverage [FAQ]
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You Don’t Really Need Car Insurance Coverage… Up Until You Do
#AccidentsHappen

We write car and truck insurance for Spokane County motorists. And lots of it. If you want to get the best car insurance economically, what would you do? Chill, low-cost auto insurance coverage is our forte. Let us be your insurance expert. We can get you protected today with instant evidence of insurance coverage so you can drive confident.

If you got a ticket for no insurance, we can get you covered before you go to court so you can drive without worry and perhaps get your ticket reduced. Our agency offers insurance for Spokane County and all of none and we are the general car insurance specialists. Regardless where you are driving in the state, farm, city, or on the freeway insurance is needed. Simply insure yourself right now!

Select the coverage you need at a cost you can afford. We concentrate on representing the progressive insurance providers that provide the very best prices for normal american family car owners in Spokane County.

Check Out Our Reviews

Anxious about who to count on to handle your insurance coverage requirements? Take a look at the fantastic Google Reviews given by our clients. Can 1300+ people be wrong? As soon as you’re ready to get your car insurance kicked off, connect with us for a quick and complimentary quote. A general auto insurance quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Car & Truck insurance Spokane County
Car & Truck insurance Spokane County

Are you required to have automobile insurance in Spokane County Washington?

Washington state mandates a driver in Spokane County to be able to present 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 help you with the vehicle insurance.

What is the fine for no car insurance in Spokane County Washington?

The fine for driving a car in Spokane County without any insurance coverage can be as much as $550. If you don’t have insurance and are at-fault in a wreck, you could have your license revoked for up to 3 years and be mandated to get an SR22 to get your license reinstated.

What is the most inexpensive cars and truck insurance coverage?

The most inexpensive automobile insurance coverage you can acquire is basic liability coverage. This compensates for the damage you cause to another person up to your policy limits. It is the least amount of coverage Washington state permits. We always recommend more protection but the choice is yours.
Auto insurance Spokane County

Who has the cheapest cars and truck insurance?

The most affordable vehicle insurance depends upon a number of ‘responsibility’ variables and just how much each insurer weights each aspect.

  • If your driving history is clear, you have excellent credit, and you have had higher liability limits for a number of years, Progressive or Safeco will most likely have the very best prices for you.
  • If your driving record is spotless however you haven’t had insurance or have just been carrying the state minimum, Progressive or National General will most likely offer the best rates for you.
  • If you have actually received a couple tickets or had a collision, Dairyland or National General will most likely have the very best rates for you.
  • If you have had more than 2 car accidents or are hoarding tickets like they are Pokemon, then The General or Kemper Specialty will most likely offer the very best rate for you.

One of the benefits of using an independent insurance agency is we have multiple insurers and can look around your insurance for you and get you the best rate possible.

Am I truly required to carry car insurance?

Auto insurance coverage can be pricey, so you may ask yourself if you really need to get it. Washington state does mandate you to possess a minimum required level of liability insurance for a good reason. And, whether you believe it or not, it is not to make insurance companies abundant. Nevertheless is insurance actually crucial?

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

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

Try to imagine a world without car insurance. Whenever you went for a drive, you would be risking your financial well being and your future earnings. Insurance is developed to help safeguard you from costly and often devastating incidents including legal costs if you are taken to court due to a collision.

The benefit of great insurance coverage is just revealed when you need it most. To put it simply, you do not require insurance … till you do. #AccidentsHappen

5 Factors You Require Car Insurance

  1. Cover you, your passengers, and your car or truck if hit by an uninsured motorist
  2. Safeguard your house, savings accounts, and other assets from a claim
  3. Protect the investment you have in your car or truck
  4. Save a lot of cash later on by spending a little now
  5. Cover medical bills for you and your guests after a traffic collision

So, do you really need car or truck insurance? Only if you want to safeguard your possessions and drive lawfully. Your other alternative 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 minimum amount of liability insurance coverage to legally drive 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 most convenient way to satisfy these requirements is to buy auto insurance.

The minimum auto insurance coverage 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 protections must be offered by the insurance provider but the law permits you to refuse them by signing a rejection form.

Not only should you have insurance, but the law also requires that at any time you are driving a car in the state, you should have the ability to present your proof of car insurance coverage to law enforcement.

Failure to present proof of insurance coverage when asked by a law enforcement officer is regarded as a violation and can lead to penalties of as much as $550.

Automobile insurance Spokane County

Can I get Car insurance coverage if I don’t have a driver’s license?

You can purchase vehicle insurance even if you do not have a drivers license. Someone may question why somebody would want to but there are a number of legitimate reasons somebody might wish to, all relating to safeguarding themselves and their assets.

  • You’re attempting to get your license and require drive your learner’s permit before taking the driving test.
  • You don’t drive but you have a teen who wants to drive however you have to purchase the car or truck in your name given that they are underage.
  • 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 caretaker drives for you.
  • Your license is suspended, you most likely plan to get insurance and an SR22 filing so you can get your license back.

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

You are not lawfully required to have a driver’s license in order to purchase vehicle insurance coverage but most of the prominent insurers, like GEICO, Allstate, State Farm, and American Family, may not insure you without a drivers’s license. Likewise, some agents might not know how and why it can be done or might just not wish to bother and for that reason will brush you off with a fast ‘sorry’. Let us assist. We understand our stuff.

Car insurance Spokane County

Can I just get state minimum limits?

Bare minimum liability insurance coverage is seldom recommended but it’s far better than no insurance coverage whatsoever, especially if you can not pay for more.

If you don’t have any savings or assets, minimum liability insurance coverage may suffice however it would certainly not be enough to take care of major injuries or to repair/replace a new vehicle. Without adequate insurance coverage, your future earnings might be garnished to cover the damage you cause.

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

Basically, you are self-insuring for anything over the insurance coverage limits you have picked. If you don’t intend to have your salary garnished or your assets sold, seriously think about acquiring higher limits of liability.

May I drive a cars or truck I just bought without insurance?

You can not by law drive a car or truck without insurance coverage. Even if you recently purchased it. Washington state mandates all autos driven on public roadways to be properly insured. The fact that you just now purchased the vehicle does not change the guideline.

The good news is, if all your existing owned cars and trucks are insured by one insurer then the coverage for those cars and trucks automatically transfers for a couple of days (contact your insurer to find out specifically for how long).

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

How do I review insurance quotes?

To review and find the very best quote, you need to follow 3 steps:

  1. Make certain you are requesting each agent provide the very same insurance coverages
  2. Ensure you have each agent quote you with the very same driving MVR
  3. Ensure that you review the insurer’s on-line reputation

It is very simple for a company to have a lower rate if they are offering reduced coverage or are not using the same tickets and wrecks. Ensure that you’re getting a correct comparison. Select the exact same set of protections, limits, and deductibles as well as the same driving MVR for each and every quote you request.

Once you’ve obtained a few auto quotes, factor in the helpfulness of the agent you spoke with and how well they discussed things and also if they recommended additional coverages. Then check the agency’s Google Reviews to ensure they measure up to your criteria.

At this time you are prepared to select the company that is the best fit for you and we hope it will be us.

Car insurance Spokane County

Who may I cover to drive my car?

You should really add anyone that frequently drives your car or truck onto your insurance plan so there is no question of insurance coverage if a collision takes place. Everybody in your household or that has frequent access to your car ought to also be included because virtually every insurance plan mandates you divulge them and either list them as a driver or exclude them from policy coverage.

How can I find the most affordable vehicle insurance coverage

Often the most inexpensive rate is not the best price. Are you getting the coverage you require? Does the insurance policy have coverages and exclusions that are satisfactory to you?

An easy way for an insurance provider to have low rates is to deny every claim. Choose a company with an excellent track record and not a company whose only advertising has to do with 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 merely searching for the most affordable price you have a number of alternatives:

  • Get quotes from a number of insurance companies. Each insurance companies weighs ranking aspects in a different way so rates can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple insurers for you.
  • Just purchase the protections you have to have.
  • Stop receiving tickets like others gather Pokemon.
  • Raise your deductibles.

Is Washington a no-fault car insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in an automobile accident might share some responsibility when calculating compensation for damages. Comparative negligence may enable both the person at-fault and the other party to recoup settlement for loss if they are partly responsible for the car accident.
Auto insurance Spokane County

When is it a good time to look for insurance?

When you navigate major life events you ought to reassess your automobile insurance policy and review if you might get new discounts. Listed below are some points when your rates are most likely to change. If the adjustment is substantial, it may be a great time get a new quote.

  • Marriage or Divorce – Significant life change. May or may not affect your premium
  • Acquiring a home – You may now be in a new rating zip code and you might get the home-owner’s discount and possibly the bundling discount.
  • Accident – You probably will lose your Safe Driver Discount even if the crash was not your fault.
  • Putting on a teenager – Teens are three times more prone to have a crash, so consider yourself fortunate if your insurance rate just doubles.
  • DUI or other major offense – If your current insurer discovers it, you will certainly be seeing a rate increase at your following renewal.
  • Moving – every postal code has a different price and every company has different variables for each zip code.
  • Putting on or taking off a driver from your policy – might either raise or lower your price depending upon the driver’s age and their driving record.
  • Acquiring a vehicle – the insurer that had the lowest rate for your one vehicle might not be best with this one.
  • Adjustment of your credit score – if it gets dramatically better, ask your insurer if they can have your credit rating re-ordered.

Do you really need vehicle insurance coverage to get a drivers license

Vehicle insurance is not needed to get your Washington driver’s license however when you take the driving examination, you need to show to the trainer evidence that the car or truck you are planning to use has insurance.

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

Why are you waiting?

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

Likewise, due to the variety of insurers we work with, we can insure most cars and trucks and also most drivers even if they are considered a risky driver. No matter your driving record, if it is good, bad, or scandalous, we can insure you.

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

Car insurance Spokane 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 Spokane County

Spokane County is a county located in the U.S. state of Washington. As of the 2010 census the population was 471,221, making it the fourth-most populous county in Washington state. The largest city and county seat is Spokane, the second largest city in the state after Seattle. The county is named after the Spokane tribe.

Spokane County is part of the Spokane-Spokane Valley, WA Metropolitan Statistical Area, which is also part of the greater Spokane-Coeur d’Alene Combined Statistical Area that includes nearby Kootenai County, Idaho.

Spokane County was established by the Washington legislature effective January 29, 1858. It was annexed by Stevens County on January 19, 1864, and re-created on October 30, 1879. The first post office in the county was located at Spokane Bridge.

Source: Spokane County, Washington in Wikipedia

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