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Stevens County WA Auto Insurance Coverage [FAQ]
Get Immediate Evidence of Insurance Coverage!

You Don’t Want Auto Insurance Coverage… Up Until You Do

We write car and truck insurance coverage for Stevens County residents. And great deals of it. If you need to get the very best car insurance coverage at a low-cost, what would you do? Breathe easy, budget friendly vehicle insurance coverage is our game. Let us be your insurance expert. We can get you covered right away with immediate proof of insurance coverage so you can drive confident.

If you got a driving without insurance ticket, we can get you insured before you go to court so you can drive your car without worry and potentially get your court fine minimized. Our agency serves for Stevens County and all of none and we are the general vehicle insurance specialists. Regardless where you are driving in the state, farm, city, or on the freeway insurance is required. Just get yourself insured right away!

Select the coverage you need at a cost you can afford. We focus on representing the progressive insurance companies that offer the very best rates for common american family car owners in Stevens County.

Check Out Our Reviews

Anxious about who to count on to handle your insurance needs? Have a look at the wonderful Google Reviews left by our clients. Can 1300+ individuals be wrong? As soon as you are ready to launch your automobile insurance, contact us for a quick and complimentary insurance quote. A basic vehicle quote from Mid-Columbia Insurance is much cheaper than All State Farm Ers.

Vehicle insurance Stevens County
Automobile insurance Stevens County

Do you need to have vehicle insurance in Stevens County Washington?

Washington state requires a driver in Stevens County to be able to display financial responsibility either by having automobile 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 automobile insurance coverage.

What is the penalty for no automobile insurance in Stevens County Washington?

The fine for driving a auto in Stevens County without insurance coverage is up to $550. If you don’t have insurance coverage and are found at-fault in a collision, you might have your license revoked for as much as 3 years and be required to submit an SR22 to get your license restored.

What is the most inexpensive vehicle insurance?

The most affordable auto insurance you can buy is basic liability coverage. This compensates for any damage you cause to somebody else up to your policy limits. It is the least amount of protection Washington state allows. We definitely suggest more protection but the choice is yours.
Car insurance Stevens County

Who has the cheapest car insurance?

The cheapest car insurance depends on a number of ‘responsibility’ considerations and how much each company weights each element.

  • If your driving record is clean, you have good credit, and you have carried greater liability limits for a a few years, Progressive and Safeco will probably offer the best prices for you.
  • If your driving MVR is spotless however you haven’t had insurance coverage or have simply had the state minimum, Progressive and National General will most likely offer the best prices for you.
  • If you have actually collected a couple tickets or had a wreck, National General and Dairyland will probably have the very best rates for you.
  • If you have actually had more than 2 wrecks or are collecting tickets like they are Pokemon, then The General or Kemper Specialty will have the very best price for you.

One of the benefits of using an independent agency is that we partner with several companies and can shop your insurance for you and find you the very best price possible.

Am I really required to have vehicle insurance coverage?

Vehicle insurance can be expensive, so you might ask yourself if you actually need to have it. Washington state does mandate you to carry a minimum required amount of liability insurance for a good reason. And, believe it or not, it is not to make insurance providers abundant. But is insurance coverage actually essential?

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

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

Attempt to think of a country without vehicle insurance. Each time you took a drive, you would be risking your bank account and your future earnings. Insurance coverage is created to assist secure you from expensive and often devastating incidents including legal costs if you are taken to court because of an accident.

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

5 Factors Why You Needed To Have Vehicle Insurance Coverage

  1. Cover you, your passengers, and your car if hit by an uninsured driver
  2. Protect the investment you have in your car
  3. Cover hospital expenses for you and your guests after an accident
  4. Save a great deal of cash later by spending a bit now
  5. Secure your home, savings accounts, and other investments from a suit

So, do you actually need car insurance coverage? Only if you want to safeguard your assets and drive legally. Your other option is to get friendly with your local bus or uber driver.

What are the Washington vehicle insurance requirements?

Washington state demands all drivers to carry a minimum amount of liability insurance coverage to lawfully drive a vehicle in the state. You are required by the Financial Liability Law to be able to present proof of financial responsibility if you are driving an automobile. The easiest way to fulfill these requirements is to purchase automobile insurance.

The minimum automobile 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 Protection: $10,000 per accident

Personal Injury Protection and Uninsured Motorist protections must be offered by the insurance provider however the law permits you to reject them by signing a rejection form.

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

Failure to present evidence of insurance when asked by a policeman is considered an infraction and can lead to fines of up to $550.

Car & Truck insurance Stevens County

Can you buy Auto insurance coverage without a drivers license?

You can buy automobile insurance even though you don’t have a drivers license. Somebody may wonder why someone would want to but there are several legitimate reasons somebody might wish to, all relating to securing themselves and their stuff.

  • You don’t operate a vehicle for health reasons however you own a car or truck and a relative or a caretaker drives for you.
  • You have a foreign driver’s license and are visiting the United States.
  • 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 but you have to purchase the vehicle in your name because they are underage.
  • You’re attempting to get your license and require practice with your learner’s permit before taking the driving test.

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 drivers license in order to get car insurance coverage but most of the prominent insurers, like GEICO, State Farm, American Family, and Allstate, may not be able to help you without a drivers’s license. Also, some agents may not know how and why this can be done or may simply not wish to deal with it and for that reason will brush you off with a quick ‘no’. Let us help. We know our stuff.

Automobile insurance Stevens County

Should I just purchase state minimum liability limits?

Bare minimum liability protection is hardly ever recommended but it’s far better than no insurance coverage at all, specifically if you can not pay for a lot more.

If you have no savings or assets, minimum liability coverage may be adequate but it would not be enough to take care of significant injuries or to repair/replace a more recent car. Without enough insurance, your future wages might be garnished to cover the damages you trigger.

If you just are carrying the state-required $10,000 property damage and strike a car or truck worth say $20,000, the insurance provider will pay the $10,000 however you will be responsible for the rest.

Basically, you are self-insuring for anything over the insurance limits you have purchased. If you do not wish to have your income garnished or your assets sold off, seriously consider acquiring greater limits of liability.

May I drive a cars or truck I recently purchased without insurance?

You can’t lawfully drive an automobile without insurance. Even if you just now bought it. Washington state mandates all cars or trucks driven on public roads to be insured. The fact that you recently bought the car or truck does not change the requirement.

Thankfully, if all of your existing owned autos are covered by one insurer then the coverage for those automobiles conveniently transfers for a few days (check with your insurance company to find out specifically the length of time).

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

How do I compare insurance coverage quotes?

To review and identify the most ideal insurance quote, you will want to observe 3 steps:

  1. Make certain you are asking each agent for the same insurance coverages
  2. Make sure you have each insurer quote you with the very same driving record
  3. Be sure you assess the company’s on-line reputation

It is very simple for an agent to have a reduced price if they are providing less insurance coverage or are not including the very same tickets and crashes. Make certain you’re receiving a correct comparison. Select the very same set of coverages, limits, and deductibles and also the same driving record for each quote you request.

Once you’ve gotten a few quotes, consider the helpfulness of the agent you talked with and how well they clarified things and also if they recommended additional insurance coverages. Then assess the insurer’s Google Reviews to make certain they satisfy your standards.

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

Vehicle insurance Stevens County

Who may I add to drive my vehicle?

You ought to list anybody who on a regular basis drives your auto onto your insurance policy so there is no doubt of insurance coverage should a crash take place. Everyone in your home or who has routine access to your auto ought to also be added since practically every policy mandates you disclose them and either add them as an operator or exclude them from coverage.

How can I buy the least expensive auto insurance

Sometimes the most affordable price is not the best deal. Are you getting the coverage you require? Does the policy have limits and exclusions that are reasonable to you?

A basic method for an insurance provider to have low rates is to deny every claim. Select an insurer with a great reputation and not an insurer whose only advertising is about saving you 15% or saving those who change some phony dollar amount – you understand it is a lie. They understand it works.

If you are simply looking for the lowest price you have a variety of options:

  • Just take the coverages you have to have.
  • Stop getting tickets like others collect Pokemon.
  • Raise your deductibles.
  • Get quotes from a variety of insurers. Each insurance company weighs ranking factors in a different way so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops numerous companies for you.

Is Washington a no-fault vehicle insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in a vehicle wreck might share some responsibility when figuring out settlement for damages. Comparative negligence may allow both the claimant and the plaintiff to recoup compensation for loss if they are partially at fault for the car accident.
Car & Truck insurance Stevens County

When is the best time to buy insurance?

When you cross significant life milestones you should reassess your vehicle insurance policy and also confirm if you might get new discounts. Below are some points when your prices are likely to adjust. If the change is significant, it might be a good time get a new quote.

  • Marriage or Separation – Major life change. May or may not affect your price
  • DUI or other significant infraction – If your present insurance company discovers it, you will be seeing a rate increase at your following renewal.
  • Putting on or taking off a driver from your plan – can either raise or lower your price depending upon their age as well as their driving MVR.
  • Moving – every zip code has a different price and also every insurer has different variables for those postal codes.
  • Adjustment of your credit report – if your score gets considerably better, ask your insurer if they can have your credit report re-ordered.
  • Adding a teenage driver – They are 3x as likely to have an accident, so consider yourself lucky if your insurance price only doubles.
  • Getting a house – You may now live in a new rating postal code as well as you might now get the home owner’s discount and also the bundling discount.
  • Buying a new auto – the insurer that had the best rate for your old car might not be best with the new car.
  • Car accident – You probably will give up your Safe Driver Discount even if the car accident was not your fault.

Are you required to have automobile insurance coverage to get a driver license

You don’t require car insurance to obtain your Washington driver’s license however when you take the driving examination, you will need to present to the instructor evidence that the car you are planning to use has insurance.

So, if the vehicle belongs to someone else, you can just show the owner’s insurance to the driving instructor. Just make sure, for your safety and security and the car owner’s, that their insurance will cover you as a vehicle driver.

Why are you waiting?

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

Additionally, as a result of the number of companies we work with, we can insure most automobiles and also most drivers even if they are considered a high-risk driver. No matter your driving history, if it is great, poor, or shocking, we can insure you.

What are you waiting on? Call us now at ( 509 )783-5600 or Ask for A Quote here to get your totally free auto quote.

Car insurance Stevens 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 Stevens County

Stevens County is a county located in the U.S. state of Washington along the Canada–US border. At the 2010 census, its population was 43,531. As of July 2019, the population was estimated to be 45,723. The county seat and largest city is Colville. The county was created in 1863 and named after Isaac Stevens, the first governor of Washington Territory.

Stevens County is included in the Spokane-Spokane Valley, WA Metropolitan Statistical Area.

According to the U.S. Census Bureau, the county has a total area of 2,541 square miles (6,580 km2), of which 2,478 square miles (6,420 km2) is land and 63 square miles (160 km2) (2.5%) is water.

Source: Stevens County, Washington in Wikipedia

Best Car Dealerships Near Stevens County

Country Chevrolet Buick
3 reviews
Car Dealers
880 S Main St, Colville, WA 99114
Carter Toyota
2 reviews
Auto Repair, Car Dealers, Car Rental
160 W 3rd Ave, Colville, WA 99114

Best Things to Do Near Stevens County

Brown Boyz Ohana Eatery
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Hawaiian, Asian Fusion, Filipino
576 N Wynne St, Colville, WA 99114
Stephani’s Oak Street Grill
39 reviews
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157 N Oak St, Colville, WA 99114
Tony’s Italian Eatery
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645 N Louis Perras Rd, Colville, WA 99114
Rancho Chico
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151 N Main St, Colville, WA 99114