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West Valley WA Vehicle Insurance [FAQ]
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You Don’t Need Auto Insurance… Until You Do

We write auto insurance coverage for West Valley drivers and great deals of it. If you must get the very best car and truck insurance coverage at a low-cost, what would you do? Chill, reasonable auto insurance coverage is our area of expertise. We want to be your insurance guru. We can get you protected now with immediate proof of insurance coverage so you can not worry.

If you have a no-insurance ticket, you can get properly insured before you go to court so you can drive worry free and potentially get your fine lowered. Mid-Columbia Insurance serves for West Valley and all of Yakima County and we are the general car and truck insurance experts. Regardless where you are driving in the state, farm, city, or on the freeway insurance is needed. Simply get yourself covered right away!

Discover the coverage you desire at a cost you can manage. We specialize in representing the progressive insurance companies that have the best prices for typical american family car owners in West Valley.

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Anxious about who to count on to manage your insurance requirements? Take a look at the wonderful Google Reviews given by our customers. Can 1300+ individuals be wrong? As soon as you are ready to get your vehicle insurance under way, reach out to us for a quick and free quote. A normal car quote from us is much better than All State Farm Ers.

Car & Truck insurance West Valley
Car & Truck insurance West Valley

Are you required to have vehicle insurance coverage in West Valley Washington?

Washington state expects all drivers in West Valley to be able to show financial responsibility either by having car 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 car insurance coverage.

What is the penalty for no car insurance coverage in West Valley Washington?

The fine for driving a auto in West Valley without any insurance can be as much as $550. If you don’t have insurance coverage and are at-fault in a crash, you might also have your license suspended for approximately 3 years and be required to submit an SR22 to get your license reinstated.

What is the most affordable cars and truck insurance?

The most affordable vehicle insurance you can buy is basic liability coverage. This covers any damage you cause to another person up to your policy limits. It is the minimum coverage Washington state authorizes. We definitely advise more coverage but the choice is yours.
Vehicle insurance West Valley

Who has the cheapest cars and truck insurance?

The cheapest car and truck insurance coverage depends on a variety of ‘responsibility’ variables and just how much each company weights each factor.

  • If your driving record is spotless, you have great credit, and you have actually paid for higher liability limits for a number of years, Progressive and Safeco will probably have the best prices for you.
  • If your driving history is spotless however you do not currently have insurance or have just been carrying the state minimum, Progressive and National General will probably have the very best prices for you.
  • If you have actually received a couple tickets or had a crash, Dairyland or National General will probably have the very best rates for you.
  • If you have actually had more than 2 wrecks or are gathering citations like Pokemon, then The General or Kemper Specialty will offer the very best rate for you.

One of the benefits of teaming up with an independent insurance agent is we represent multiple insurance companies and can quote your insurance for you and find you the very best rate possible.

Do I actually need to carry car insurance coverage?

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

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic crashes took place and 3,144,000 people were hurt in those wrecks and 37,461 people died, approximately 102 individuals every 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 aka liability insurance in order to render monetary relief to the victims of the traffic collision.

Attempt to think of a country without cars and truck insurance. Each time you went for a drive, you would be risking your bank account and your future earnings. Insurance is developed to help secure you from costly and often devastating surprises including legal expenses if you are brought to justice due to a crash.

The value of excellent insurance coverage is only revealed when you need it most. To put it simply, you do not need insurance coverage … till you do. #AccidentsHappen

5 Reasons Why You Require Automobile Insurance Coverage

  1. Protect the investment you have in your vehicle
  2. Cover you, your guests, and your car or truck if struck by an uninsured motorist
  3. Protect your home, savings accounts, and other assets from a suit
  4. Save a great deal of cash later by spending a little today
  5. Take care of medical expenses for you and your guests after an accident

So, do you truly need to get auto insurance? Just if you wish to protect your properties and drive lawfully. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington auto insurance rules?

Washington state demands all drivers to have a minimum level of liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to present proof of financial responsibility if you are driving a car. The easiest method to meet these requirements is to purchase automobile insurance coverage.

The minimum auto insurance coverage required 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 offered by the insurer but the law enables you to reject them by signing a rejection form.

Not only should you have insurance, but the law also expects that whenever you are driving a vehicle in the state, you should have the ability to display your proof of automobile insurance coverage to law enforcement.

Failure to display proof of insurance coverage when requested by a law enforcement officer is regarded as an infraction and can result in fines of approximately $550.

Car insurance West Valley

Can you buy Car insurance without a license?

You can purchase auto insurance even when you do not have a driver’s license. Somebody may well question why somebody would want to however there are many legitimate reasons somebody may want to, all having to do with protecting themselves and their possessions.

  • You do not operate a vehicle for health reasons however you own a car and a family members or a caretaker drives for you.
  • You’re attempting to get your license and need to drive your learner’s permit before taking the driving test.
  • Your license is suspended, you most likely need to get insurance and an SR22 filing so you can get your license back.
  • You don’t drive but you have a teenager who wishes to drive however you have to purchase the car or truck in your name since they are a minor.
  • You have a foreign drivers license and are visiting the United States.

In all these circumstances and more we can assist you in getting insurance even if don’t have a driver’s license.

You are not legally required to have a driver license in order to purchase car or truck insurance coverage but the majority of the big-name insurance providers, like GEICO, Allstate, State Farm, and American Family, may not insure you without a drivers’s license. Also, some agents may not be familiar with how and why this can be done or might simply not wish to be bothered and therefore will brush you off with a quick ‘no’. Let us help. We know our stuff.

Car & Truck insurance West Valley

Should I just buy state minimum limits?

Bare minimum liability protection is hardly ever suggested but it’s much better than no insurance coverage at all, especially if you can not pay for much more.

If you don’t have any savings or assets, minimum liability protection might be enough however it would not suffice to cover serious injuries or to repair/replace a more recent vehicle. Without adequate insurance, your future wages might be garnished to cover the damages you create.

If you only have the state-required $10,000 property damage and hit a vehicle 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 limits you have actually picked. If you don’t intend to have your income garnished or your assets sold off, seriously take into consideration purchasing higher limits of liability.

Should I drive an automobile I just purchased without insurance coverage?

You cannot lawfully drive an automobile without having insurance. Even if you just now purchased it. Washington state mandates all vehicles driven on public roadways to be properly insured. The fact that you just now acquired the car does not change the requirement.

The good news is, if all your existing owned cars are insured with one insurance provider then the insurance coverage for those autos conveniently transfers for a few days (consult with your insurance provider to learn specifically how much time).

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

How can I analyze insurance coverage quotes?

To compare and choose the most ideal quote, you need to consider three steps:

  1. Make sure you are requesting each agent provide the exact same insurance coverages
  2. Ensure you have each agent quote you with the exact same driving history
  3. Ensure you examine the company’s online reviews

It is very easy for an insurance company to have a reduced price if they are providing reduced protection or are not using the very same tickets and crashes. Ensure you’re getting an accurate comparison. Select the very same package of insurance coverages, limits, and deductibles and the same driving MVR for every quote you request.

When you’ve obtained a few quotes, factor in the helpfulness of the representative you spoke to and how well they discussed things and also if they suggested other insurance coverages. Then examine the insurer’s Google Reviews to ensure they meet your requirements.

At this time you are prepared to pick the insurance company that is the best suit for you and we trust it will be Mid-Columbia Insurance.

Auto insurance West Valley

Who may I add to drive my car or truck?

You should add everyone who regularly drives your automobile onto your insurance plan so there is no question of policy coverage should a car accident occur. Everybody in your house or that has regular use of your auto needs to likewise be listed given that practically every policy obligates you to divulge them and either include them as a driver or exclude them from policy coverage.

How can I find the most inexpensive cars and truck insurance

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

An easy method for an insurance provider to have low rates is to fight every claim. Select an insurer with an excellent reputation and not a company whose only marketing is about saving you 15% or saving those who change some fake dollar amount – you know it is a lie. They know it works.

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

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

Is Washington a no-fault auto insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all persons involved in a car crash might share some responsibility when calculating compensation for damages. Comparative negligence might allow both the claimant and also the plaintiff to recoup compensation for loss if they are partly responsible for the wreck.
Automobile insurance West Valley

When is a good time to purchase insurance coverage?

When you move across significant life milestones you should reassess your vehicle insurance policy and also see if you might get more discounts. Below are times when your rates are most likely to adjust. If the change is substantial, it may be a good time for a requote.

  • Marriage or Separation – Significant life change. May or may not change your premium
  • Adding a teenage driver – Teens are 3x more prone to have a crash, so count yourself lucky if your insurance premium just doubles.
  • Purchasing a car or truck – the insurance company that had the lowest price for your old car or truck might not be best with this car.
  • Change of your credit history – if it significantly improves, ask your representative if they can re-order your credit history.
  • DUI or other significant offense – If your existing company finds out, you will certainly be seeing a price hike at your next renewal.
  • Relocating – every zip code has a different rate and also every insurance company has different factors for those postal codes.
  • Buying a house – You may now live in a new rating postal code and also you might now qualify for the homeowner’s discount and possibly the bundling discount.
  • Putting on or removing a driver from your policy – might either raise or decrease your price depending upon the driver’s age and driving MVR.
  • Wreck – You most likely will give up your Safe Driver Discount even if the car accident was not-at-fault.

Do you really need car insurance to get your driver’s license

Auto insurance is not required to get your Washington driver’s license but when you take the driving examination, you have to show to the trainer proof that the automobile you are planning to use is insured.

So, if the vehicle belongs to somebody else, you can simply display the owner’s insurance to the instructor. Just make sure, for your safety and security and the car or truck owner’s, that their plan will cover you as a vehicle driver.

What are you waiting for?

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

Likewise, as a result of the number of companies we work with, we can cover most vehicles and also most drivers even if they are considered a risky driver. No matter your driving history, if it is good, bad, or scandalous, we should be able insure you.

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

Auto insurance West Valley

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 West Valley

West Valley is a former census-designated place (CDP) in Yakima County, Washington, United States. The area has been annexed by the city of Yakima. The population was 10,433 at the 2000 census.

Based on per capita income, West Valley ranks 76th of 522 areas in the state of Washington to be ranked.

West Valley is located at 46°35′55″N 120°36′11″W / 46.59861°N 120.60306°W / 46.59861; -120.60306 (46.598731, -120.603011).

Source: West Valley, Washington in Wikipedia

Top Car Dealerships Near West Valley

Harvest Honda
22 reviews
Car Dealers, Auto Repair
1700 E Yakima Ave, Yakima, WA 98901
Brian Harris Used Cars
4 reviews
Used Car Dealers, Auto Loan Providers
622 S 1st St, Selah, WA 98942
Bill Harris Used Cars
7 reviews
Auto Repair, Used Car Dealers
608 S 1st St, Selah, WA 98942
Prestige Motors
6 reviews
Car Dealers
2318 S 1st St, Ste A, Yakima, WA 98903

Top Things to Do By West Valley

White House Cafe
225 reviews
Breakfast & Brunch, Cafes
3602 Kern Rd, Yakima, WA 98902
Zesta Cucina
172 reviews
5110 Tieton Dr, Ste 210, Yakima, WA 98908
Cowiche Canyon Kitchen & Icehouse Bar
744 reviews
American (Traditional), Bars
202 E Yakima Ave, Yakima, WA 98901
Antojitos Mexicanos
217 reviews
3512 Summitview Ave, Yakima, WA 98902