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Thurston County WA Vehicle Insurance Coverage [FAQ]
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You Don’t Need Vehicle Insurance… Till You Do

We write car and truck insurance coverage for Thurston County motorists. And lots of it. If you must get the very best car insurance at a budget friendly price, what would you do? Relax, affordable car insurance coverage is our job. Let us be your insurance expert. We can easily get you insured now with instant evidence of insurance coverage so you can relax.

If you have a ticket for no insurance, our team can get you properly insured before you go to court so that you can drive your car without worry and potentially get your ticket minimized. Mid-Columbia Insurance offers insurance for Thurston County and all of none and we are the general vehicle insurance specialists. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is required. Simply get yourself insured right away!

Discover the protection you want at a rate you can afford. We concentrate on representing the progressive insurance companies that offer the very best prices for normal american family motorists in Thurston County.

Check Out Our Reviews

Anxious about who to rely upon to handle your insurance coverage needs? Check out the wonderful Google Reviews given by our customers. Can 1300+ people be wrong? As soon as you’re prepared to launch your auto insurance, phone us for a fast and totally free quote. A normal auto insurance quote from us is more affordable than All State Farm Ers.

Auto insurance Thurston County
Auto insurance Thurston County

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

Washington state demands all drivers in Thurston 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 vehicle insurance.

What is the fine for driving without cars and truck insurance coverage in Thurston County Washington?

The penalty for operating a car in Thurston County without insurance coverage is up to $550. If you don’t have insurance coverage and are found at-fault in an accident, you might have your license suspended for approximately 3 years and be expected to submit an SR22 to get your license reinstated.

What is the least expensive automobile insurance?

The most affordable auto insurance coverage you can buy is basic liability coverage. This compensates for any damage you cause to another person up to your policy limits. It is the least amount of coverage Washington state allows. We always advise more protection but the option is yours.
Car & Truck insurance Thurston County

What company has the least expensive cars and truck insurance coverage?

The most inexpensive vehicle insurance depends on a number of ‘responsibility’ elements and how much each insurance company weights each element.

  • If your driving record is clear, you have excellent credit, and you have had greater liability limits for a number of years, Progressive or Safeco will more than likely offer the best rates for you.
  • If your driving MVR is spotless however you don’t presently have insurance coverage or have simply been carrying the state minimum, National General and Progressive will probably offer the very best rates for you.
  • If you have actually picked up a couple tickets or had a collision, National General or Dairyland will probably have the best rates for you.
  • If you have actually had more than 2 collisions or are gathering citations like Pokemon, then Kemper Specialty or The General will offer the best price for you.

One of the advantages of partnering with an independent agency is we have several insurers and can quote your insurance for you and get you the best rate possible.

Do I actually need to have cars and truck insurance coverage?

Car insurance coverage can be pricey, so you may ask yourself if you truly need it. Washington state does require you to possess a minimal level of liability insurance coverage for a reason. And, believe it or not, it is not to make insurance companies abundant. 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 occurred and 3,144,000 people were injured in those accidents and 37,461 individuals were killed, an average of 102 individuals each day, one death every 14 minutes.

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

Try to picture a country without car insurance coverage. Every time you took a drive, you would be risking your financial well being and your future earnings. Insurance is designed to help safeguard you from expensive and sometimes devastating incidents including legal costs if you are brought to justice due to an accident.

The worth of great insurance is only exposed when you need it most. In other words, you do not need insurance coverage … till you do. #AccidentsHappen

5 Factors You Need Auto Insurance Coverage

  1. Secure your home, savings accounts, and other possessions from a suit
  2. Secure the investment you have in your car or truck
  3. Take care of hospital bills for you and your passengers after a collision
  4. Cover you, your guests, and your vehicle if struck by an uninsured driver
  5. Save a great deal of money later on by paying a little bit now

So, do you actually need auto insurance? Only if you wish to secure your properties and drive lawfully. Your other option is to get friendly with your local bus or uber driver.

What are the Washington state car insurance coverage laws?

Washington state expects all car drivers to carry a minimum level of liability insurance to legally operate a vehicle in the state. You are required by the Financial Liability Law to be able to show evidence of financial responsibility if you are driving a car. The most convenient method to fulfill these requirements is to obtain car insurance.

The minimum car 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 protections need to be made available by the insurance company but the law permits you to decline them by signing a rejection form.

Not only must you have insurance, but the law likewise demands that any time you are driving a car in the state, you need to have the ability to display your proof of vehicle insurance coverage to law enforcement.

Failure to present evidence of insurance coverage when asked by a law enforcement officer is regarded as a violation and can result in fines of as much as $550.

Vehicle insurance Thurston County

Can you get Vehicle insurance coverage if I don’t have a drivers license?

You can obtain automobile insurance even if you do not have a drivers license. Someone may well question why someone would want to however there are a number of good reasons somebody might want to, all having to do with protecting themselves and their possessions.

  • You don’t drive but you have a teenager who wishes to drive but you have to buy the automobile in your name given that they are a minor.
  • Your license is suspended, you most likely plan to get insurance coverage and an SR22 filing so you can get your license back.
  • You’re trying to get your license and require practice with your learner’s permit prior to taking the driving test.
  • You have a foreign drivers license and are visiting the United States.
  • You do not drive a car for health reasons however you own a car or truck and a relative or a caregiver drives for you.

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

You are not lawfully obligated to have a driver license in order to buy car or truck insurance coverage but most of the big-name insurers, like State Farm, GEICO, Allstate, and American Family, may not insure you without a driver’s license. Likewise, some agents may not know how and why this can be done or may simply not wish to be bothered and therefore will brush you off with a fast ‘sorry’. Let us help. We understand our stuff.

Car insurance Thurston County

Should I simply buy state minimum limits?

Bare minimum liability coverage is hardly ever suggested however it’s much better than no insurance coverage whatsoever, specifically if you can’t pay for a lot more.

If you have no savings or assets, minimal liability insurance coverage might suffice yet it would not suffice to cover serious injuries or to repair/replace a more recent vehicle. Without adequate insurance coverage, your future income may be garnished to cover the damage you cause.

If you just are carrying the state-required $10,000 property damage and strike an auto worth say $20,000, the insurance company will 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 purchased. If you do not want to have your earnings garnished or your possessions sold off, seriously take into consideration buying greater limits of liability.

May I drive a cars or truck I just purchased without insurance coverage?

You can’t by law drive a vehicle without having insurance. Even if you just purchased it. Washington state mandates all autos driven on public roadways to be properly insured. The fact that you just bought the automobile does not change the requirement.

Fortunately, if all of your presently owned automobiles are insured with one insurer then the coverage from those cars conveniently transfers for a few days (talk to your insurance company to learn precisely the length of time).

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

How do I compare insurance quotes?

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

  1. Be sure you are requesting each company provide the identical coverages
  2. Make sure you have each company quote you with the very same driving record
  3. Make sure you examine the agency’s online track record

It is really easy for a company to have a lower rate if they are providing less protection or are not taking account of the same tickets and car accidents. Be sure you’re receiving a proper comparison. Select the same package of protections, limits, and deductibles and the very same driving record for each and every quote you obtain.

Once you’ve obtained a handful of car insurance quotes, factor in the helpfulness of the representative you spoke to and how well they clarified things and if they suggested additional coverages. Then check out the agency’s Google Reviews to make sure they measure up to your requirements.

Now you are ready to choose the insurance company that is the very best suit for you and we really hope it is Mid-Columbia Insurance.

Car & Truck insurance Thurston County

Who may I add to drive my automobile?

You should include anyone who regularly drives your car or truck onto your insurance policy so there is no question of insurance coverage if a wreck occurs. Everybody in your household or that has routine use of your automobile ought to likewise be included because nearly every insurance plan mandates you to reveal them and either list them as a driver or exclude them from coverage.

Where can I buy the least expensive vehicle insurance

Often the cheapest price is not the best value. Are you getting the protection you need? Does the insurance policy have coverages and exclusions that are reasonable to you?

An easy method for an insurer to have low rates is to deny every claim. Pick an insurance company with a great track record and not a company whose only marketing has to do with saving you 15% or saving those who switch some bogus dollar amount – you know it is a lie. They understand it works.

If you are merely looking for the most affordable price you have a number of options:

  • Get quotes from a number of insurers. Each insurance provider weighs rating elements differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple insurance companies for you.
  • Stop receiving tickets like others collect Pokemon.
  • Raise your deductibles.
  • Just purchase the coverages you have to have.

Is Washington a no-fault car insurance state?

Washington isn’t 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 liability when determining settlement for damages. Comparative negligence might allow both the claimant and also the plaintiff to recoup payment for loss if they are partly to blame for the crash.
Auto insurance Thurston County

When is usually a great Time to shop for insurance?

When you navigate major life milestones you should really reassess your automobile insurance policy coverages as well as review if you might get new discounts. Listed below are times when your rates are likely to adjust. If the change is significant, it may be time to request a requote.

  • Update of your credit score – if it gets dramatically better, ask your representative if they can have your credit rating re-ordered.
  • DUI or other major violation – If your existing company finds out, you will be seeing a price increase at your next renewal.
  • Car accident – You possibly will forfeit your Safe Driver Discount even if the crash was not-at-fault.
  • Relocating – every postal code has a different price and also every insurance company has different factors for each postal code.
  • Putting on or taking off a driver from your policy – can either boost or decrease your rate depending upon the driver’s age and also driving MVR.
  • Acquiring a new car – the insurer that had the lowest rate for your one vehicle may not be best with the new vehicle.
  • Adding a teenage driver – They are three times as prone to have an accident, so count yourself lucky if your insurance rate only doubles.
  • Marriage or Divorce – Significant life change. May or may not change your price
  • Getting a home – You might now live in a new rating postal code as well as you might get the home-owner’s discount and the bundling discount.

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

You do not require car insurance coverage to obtain your Washington driver’s license however when you take the driving test, you have to show to the instructor proof that the car you are planning to use is insured.

So, if the car belongs to another person, you can simply show the owner’s insurance to the instructor. Only make sure, for your security and the automobile owner’s, that their insurance will cover you as a vehicle driver.

Why are you delaying?

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

Also, because of the number of insurance companies we work with, we can insure most vehicles as well as most drivers even if they are considered a high-risk driver. Regardless of your driving report, if it is perfect, poor, or shocking, we can cover you.

Why are you sitting there? Call us right now at ( 509 )783-5600 or Request A Quote here to obtain your cost-free vehicle quote.

Automobile insurance Thurston 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 Thurston County

Thurston County is a county located in the U.S. state of Washington. As of the 2010 census, its population was 252,264. The county seat and largest city is Olympia, the state capital.

Thurston County was created out of Lewis County by the government of Oregon Territory on January 12, 1852. At that time, it covered all of the Puget Sound region and the Olympic Peninsula. On December 22 of the same year, Pierce, King, Island, and Jefferson counties were split off from Thurston County. It is named after Samuel R. Thurston, the Oregon Territory’s first delegate to Congress. In his role as congressional delegate, Thurston attempted to justify Oregon State’s Exclusionary Acts, which barred people of color from suffrage and allowed for their exclusion from the state.

Thurston County comprises the Olympia-Tumwater, WA Metropolitan Statistical Area and is included in the Seattle-Tacoma, WA Combined Statistical Area.

Source: Thurston County, Washington in Wikipedia

Top Car Dealerships Near Thurston County

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