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West Valley WA Vehicle Insurance [FAQ]
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You Do Not Want Auto Insurance Coverage… Until You Do

We write car and truck insurance for West Valley motorists and great deals of it. If you must get the best car and truck insurance economically, what would you do? Breathe easy, affordable car insurance is our area of expertise. Let us be your insurance expert. We will get you properly insured today with instant evidence of insurance coverage so you can drive safe. If you have a no-insurance ticket, you can get covered before you see the judge so that you can drive legally and perhaps get your ticket minimized. Mid-Columbia Insurance serves for West Valley and all of Yakima County and we are the general car insurance specialists. Regardless where you are driving in the state, farm, city, or on the freeway insurance is necessary. Just get yourself insured right now! Choose the coverage you require at a cost you can manage. We focus on representing the progressive insurers that offer the best prices for common american family car owners in West Valley.

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Worried about who to trust to handle your insurance coverage needs? Have a look at the excellent Google Reviews shared by our clients. Can 1550+ people be wrong? As soon as you’re ready to get your car or truck insurance started, reach out to us for a fast and totally free insurance quote. A typical auto insurance quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Vehicle insurance West Valley
Automobile insurance West Valley

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

Washington state mandates all drivers in West Valley to be able to prove financial responsibility either by having vehicle insurance or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can assist you with the automobile insurance.

What is the fine for no cars and truck insurance coverage in West Valley Washington?

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

What is the least expensive cars and truck insurance coverage?

The cheapest car insurance you can acquire is basic liability protection. This pays for the damage you cause to someone else up to your policy limits. It is the least amount of coverage Washington state authorizes. We definitely suggest more protection however the option is yours.
Automobile insurance West Valley

Who has the least expensive car insurance?

The most affordable car and truck insurance depends on a number of ‘responsibility’ aspects and how much each insurance company weights each element.

  • If your driving history is spotless, you have good credit, and you have had greater liability limits for a several years, Progressive and Safeco will most likely have the best prices for you.
  • If your driving record is spotless however you haven’t had insurance coverage or have simply had the state minimum, Progressive or National General will probably have the best rates for you.
  • If you have received a couple tickets or had a collision, Dairyland or National General will probably have the best rates for you.
  • If you have had more than two car accidents or are gathering citations like Pokemon, then Kemper Specialty or The General will most likely offer the very best price for you.

Among the benefits of working with an independent agent is that we partner with multiple insurance companies and can shop your insurance coverage for you and find you the best rate possible.

Do I actually need to have car insurance?

Cars and truck insurance can be costly, so you might ask yourself if you really need it. Washington state does require you to carry a minimum required level 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 truly crucial?

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

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

Attempt to picture a country without automobile insurance coverage. Every time you took a drive, you would be risking your bank account and your future earnings. Insurance is developed to assist secure you from expensive and often ruinous incidents including legal costs if you are brought to justice due to a collision.

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

5 Reasons You Need Automobile Insurance Coverage

  1. Cover hospital expenses for you and your passengers after an accident
  2. Secure your house, savings accounts, and other investments from a lawsuit
  3. Cover you, your guests, and your car or truck if struck by an uninsured driver
  4. Save a lot of money later on by paying a bit now
  5. Secure the financial investment you have in your car or truck

So, do you really need car or truck insurance coverage? Just if you want to safeguard your properties and drive legally. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington automobile insurance coverage regulations?

Washington state mandates all car drivers to have a minimal level of liability insurance to lawfully drive a vehicle in the state. You are expected by the Financial Liability Law to be able to provide evidence of financial responsibility if you are driving a vehicle. The simplest method to satisfy these requirements is to buy vehicle insurance coverage.

The minimum auto insurance coverage needed in Washington state is as follows:

  • Bodily Injury Liability Protection: $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: $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 refuse them by signing a rejection form.

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

Failure to display evidence of insurance coverage when asked by a police officer is regarded as an infraction and can result in fines of approximately $550.

Car insurance West Valley

Can I buy insurance coverage without a driver’s license?

You can buy automobile insurance even though you don’t have a driver license. You may wonder why somebody would bother however there are a variety of legitimate reasons someone might wish to, all relating to safeguarding themselves and their possessions.

  • You don’t drive but you have a teen who wishes to drive however you have to purchase the vehicle in your name because they are a minor.
  • You’re attempting to get your license and require practice with your learner’s permit prior to taking the driving test.
  • You don’t drive for health reasons however you own a vehicle and a member of the family or a caregiver drives for you.
  • You have a foreign drivers license and are visiting the United States.
  • Your license is suspended, you most likely want to get insurance coverage and an SR22 filing so you can get your license back.

In all these scenarios and more we can assist you to get insurance even if do not have a driver license.

You are not lawfully obligated to have a driver license in order to get car or truck insurance coverage however the majority of the big-name insurers, like GEICO, Allstate, State Farm, and American Family, will 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 might just not wish to bother and for that reason will brush you off with a quick ‘no’. Let us help. We understand our stuff.

Vehicle insurance West Valley

Can I just buy state minimum liability limits?

Bare minimum liability coverage is hardly ever advisable yet it’s far better than no insurance coverage at all, particularly if you can’t afford more.

If you don’t have any savings or assets, minimum liability insurance coverage might be adequate but it would certainly not be enough to cover significant injuries or to repair/replace a new car. Without adequate insurance, your future income might be garnished to cover the damage you create.

If you just are carrying the state-required $10,000 property damage and hit a vehicle worth say $20,000, the insurance company will certainly pay the $10,000 however you will be accountable for the remainder.

Basically, you are self-insuring for anything over the insurance limits you have actually selected. If you do not wish to have your wages garnished or your assets sold off, seriously think about getting higher limits of liability.

May I drive an automobile I recently purchased without insurance coverage?

You can’t lawfully drive a car or truck without having insurance. Even if you just now bought it. Washington state requires all autos driven on public roads to be properly insured. The fact that you recently bought the car does not alter the requirement.

Luckily, if all of your existing owned vehicles are insured with one insurance company then the coverage on those cars by default transfers for a couple of days (talk to your insurance agent to find out exactly the length of time).

If every one of your autos are not insured with one insurer, you will want to call your insurer before you drive off with the car. If you do not have insurance coverage, you will certainly want to call Mid-Columbia Insurance prior to driving off the lot

How do I review insurance quotes?

To review and identify the very best insurance quote, you need to consider three steps:
  1. Make sure you are asking each company for the very same coverages
  2. Be sure you have each agent quote you with the exact same driving MVR
  3. Make certain you review the agency’s online reviews
It is really simple for an agent to have a reduced price tag if they are presenting lower protection or are not factoring in the same tickets and accidents. Make sure you’re receiving a proper comparison. Select the same package of coverages, limits, and deductibles as well as the very same driving history for every quote you request.

After you’ve received several auto insurance quotes, consider the helpfulness of the agent you spoke to and how well they discussed things and also if they suggested additional insurance coverages. Then read the insurer’s Google Reviews to make certain they satisfy your criteria.

At this time you are ready to choose the insurance company that is the very best fit for you and we hope it is Mid-Columbia Insurance.

Auto insurance West Valley

Who may I insure to drive my automobile?

You should really add everyone who regularly drives your auto onto your plan so there is no doubt of coverage should a wreck happen. Any person in your home or who has frequent use of your vehicle ought to also be added since virtually every plan requires you divulge them and either list them as a driver or exclude them from policy coverage.

Where can I buy the most inexpensive cars and truck insurance coverage

In some cases the least expensive price is not the best value. Are you getting the protection you require? Does the insurance policy have limits and exclusions that are satisfactory to you?

A simple method for an insurer to have low rates is to deny every claim. Pick an insurance company with an excellent reputation and not an insurer whose sole marketing has to do with saving you 15% or saving those who switch some phony dollar amount – you understand it is a lie. They understand it works.

If you are just trying to find the lowest price you have a number of options:

  • Raise your deductibles.
  • Only take the protections you need to have.
  • Get quotes from a variety of insurance companies. Each insurance provider weighs ranking factors differently so costs can differ by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops several insurers for you.
  • Stop receiving tickets like others gather Pokemon.

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 a vehicle wreck might share some responsibility when determining settlement for damages. Comparative negligence might allow both the claimant and also the plaintiff to recoup settlement for loss if they are partly to blame for the accident.
Car & Truck insurance West Valley

When is it a great Time to purchase insurance?

When you cross significant life milestones you should reassess your automobile insurance policy as well as confirm if you qualify for better discounts. Below are times when your prices are likely to adjust. If the change is considerable, it may be time get a new quote.

  • Accident – You possibly will give up your Safe Driver Discount even if the wreck was not-at-fault.
  • Adding or removing a driver from your plan – could either raise or lower your price depending upon the driver’s age as well as their driving record.
  • Marriage or Divorce – Significant life change. May or may not change your price
  • Moving – every zip code has a different rate and also every company has different factors for those postal codes.
  • Adding a teen driver – They are 3x as prone to have a crash, so count yourself blessed if your insurance rate only doubles.
  • Purchasing a new car or truck – the company that had the lowest rate for your previous car may not be best with the new vehicle.
  • DUI or other significant violation – If your current insurer discovers it, you will certainly be seeing a price increase at your next renewal.
  • Getting a home – You might now be in a different rating zip code and you might qualify for the home owner’s discount as well as the bundling discount.
  • Revision of your credit score – if it dramatically improves, ask your representative if they can have your credit report re-ordered.

Do you need cars and truck insurance coverage to get a driver license

Car insurance coverage is not needed to get your Washington driver’s license however when you take the driving examination, you will need to present to the examiner evidence that the car you are going to use is insured.

So, if the vehicle belongs to someone else, you can just display the owner’s insurance card to the instructor. Just make certain, for your safety as well as the car owner’s, that their plan will cover you as a driver.

Why are you delaying?

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

Additionally, because of the number of companies we work with, we can insure most automobiles as well as most drivers even if they are considered a high-risk driver. Despite your driving MVR, if it is excellent, terrible, or scandalous, we can cover you.

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

Car 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

Best Car Dealerships Near West Valley

Prestige Motors
8 reviews
Car Dealers
2318 S 1st St, Ste A, Yakima, WA 98903
Yakima Chrysler Dodge Jeep Ram Fiat
15 reviews
Car Dealers, Used Car Dealers
2300 Goodman Rd, Union Gap, WA 98903
Lee Peterson Motors of Yakima
7 reviews
Car Dealers, Tires, Auto Repair
410 S 1st St, Yakima, WA 98901
Harvest Honda
25 reviews
Car Dealers, Auto Repair
1700 E Yakima Ave, Yakima, WA 98901

Best Places to See Around West Valley

White House Cafe
240 reviews
Breakfast & Brunch, Cafes
3602 Kern Rd, Yakima, WA 98902
Zesta Cucina
185 reviews
5110 Tieton Dr, Ste 210, Yakima, WA 98908
Gyro House
125 reviews
Mediterranean, Greek
3609 W Nob Hill Blvd, Yakima, WA 98902
Joy Garden Korean BBQ Restaurant
114 reviews
5605 Tieton Dr, Yakima, WA 98908