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Whatcom County WA Vehicle Insurance [FAQ]
Obtain Immediate Evidence of Insurance!

You Do Not Want Vehicle Insurance… Until You Do

We write car and truck insurance for Whatcom County car owners. And lots of it. If you desire to get the best car and truck insurance economically, what would you do? Relax, cheap car insurance is our expertise. Let us be your insurance finders. We can get you insured today with immediate proof of insurance coverage so you can drive safe.

If you have a ticket for no insurance, you can get covered before you go to court so you can drive your car without worry and possibly get your fine lowered. Mid-Columbia Insurance serves for Whatcom County and all of none and we are the general car and truck insurance experts. No matter where you are driving in the state, farm, city, or on the freeway insurance is needed. Just get yourself covered right away!

Find the protection you want to have at a cost you can afford. We specialize in representing the progressive insurers that give the best prices for common american family car owners in Whatcom County.

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Anxious about who to rely on to manage your insurance coverage requirements? Take a look at the fantastic Google Reviews left by our clients. Can 1300+ people be wrong? When you are ready to get your auto insurance coverage kicked off, talk to us for a fast and complimentary quote. A basic car insurance quote from Mid-Columbia Insurance is much better than All State Farm Ers.

Auto insurance Whatcom County
Automobile insurance Whatcom County

Do you need to have cars and truck insurance in Whatcom County Washington?

Washington state requires all drivers in Whatcom County to be able to present 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 help you with the car insurance.

What is the fine for driving without automobile insurance in Whatcom County Washington?

The penalty for driving a automobile or motorcycle in Whatcom County without any insurance can be as much as $550. If you are without insurance coverage and are at-fault in a wreck, you could also have your license revoked for approximately 3 years and be required to submit an SR22 to get your license restored.

What is the most inexpensive automobile insurance coverage?

The most inexpensive car or truck insurance coverage you can buy is basic liability protection. This covers the damage you trigger to another person up to your policy limits. It is the minimum coverage Washington state permits. We always advise more coverage but the choice is yours.
Car & Truck insurance Whatcom County

What company has the most inexpensive vehicle insurance coverage?

The most inexpensive automobile insurance depends upon a number of ‘responsibility’ considerations and just how much each insurer weights each aspect.

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

Among the advantages of working with an independent agency is we have multiple insurance companies and can look around your insurance coverage for you and find you the best price possible.

Am I actually required to carry vehicle insurance coverage?

Car insurance coverage can be pricey, so you may ask yourself if you actually require it. Washington state does mandate you to possess a minimal amount of liability insurance for a reason. And, whether you believe it or not, it is not to make insurance companies abundant. But is insurance coverage really essential?

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

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

Attempt to imagine a world without vehicle insurance coverage. Every time you went for a drive, you would be risking your life savings and your future earnings. Insurance is designed to help protect you from pricey and in some cases devastating incidents including legal costs if you are taken to court because of an accident.

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

5 Reasons You Require Automobile Insurance Coverage

  1. Secure your home, savings accounts, and other investments from a suit
  2. Cover you, your passengers, and your auto if struck by an uninsured motorist
  3. Take care of hospital expenses for you and your passengers after a car accident
  4. Protect the investment you have in your vehicle
  5. Save a lot of money later by spending a bit right now

So, do you truly need vehicle insurance coverage? Just if you wish to safeguard your assets and drive lawfully. Your other alternative is to get friendly with your local bus or uber driver.

What are the Washington state auto insurance coverage rules?

Washington state expects all car drivers to have a minimal level of liability insurance coverage to lawfully 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 car. The most convenient method to satisfy these requirements is to buy auto insurance coverage.

The minimum automobile 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 have to be offered by the insurance company however the law allows you to reject them by signing a rejection form.

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

Failure to display evidence of insurance when asked by a police officer is regarded as an offense and can lead to penalties of up to $550.

Auto insurance Whatcom County

Can you get Auto insurance coverage without a drivers license?

You can buy vehicle insurance coverage even when you do not have a driver license. You might just question why somebody would bother however there are a number of legitimate reasons somebody might want to, all relating to securing themselves and their stuff.

  • Your license is suspended, you probably want to get insurance and an SR22 filing so you can get your license back.
  • You do not 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 underage.
  • You have a foreign drivers license and are visiting the United States.
  • You’re trying to get your license and require practice with your learner’s permit prior to taking the driving test.
  • You do not drive for health reasons however you own a car or truck and a relative or a caretaker drives for you.

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

You are not legally obligated to have a driver license in order to buy vehicle insurance but most of the big-name insurers, like State Farm, GEICO, Allstate, and American Family, may not insure you without a driver’s license. Also, some representatives may not be familiar with how and why it can be done or might just not wish to bother and therefore will brush you off with a fast ‘sorry’. Let us help. We understand our stuff.

Vehicle insurance Whatcom County

Should I simply purchase state minimum limits?

Bare minimum liability coverage is hardly ever advisable but it’s much better than no insurance at all, particularly if you can’t pay for more.

If you don’t have any savings or assets, minimum liability insurance coverage might be enough however it would certainly not be enough to cover severe injuries or to repair/replace a more recent car. Without adequate insurance, your future earnings may be garnished to cover the damages you trigger.

If you only are carrying the state-required $10,000 property damage and wreck a car worth say $20,000, the insurer will pay the $10,000 however you are responsible for the rest.

Basically, you are self-insuring for anything over the insurance limits you have picked. If you don’t wish to have your wages garnished or your properties sold, seriously think about purchasing greater limits of liability.

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

You can not lawfully drive an automobile without having insurance. Even if you just now purchased it. Washington state mandates all autos driven on public roadways to be properly insured. The fact that you just now bought the automobile does not alter the requirement.

Fortunately, if all of your currently owned vehicles are insured by one insurance provider then the coverage from those cars and trucks by default transfers for a couple of days (contact your insurance agent to find out exactly for how long).

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

How can I analyze insurance quotes?

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

  1. Make sure you are requesting each insurer provide the identical coverages
  2. Ensure that you have each agent quote you with the exact same driving record
  3. Ensure that you review the insurer’s online track record

It is extremely simple for an insurance company to have a lower price tag if they are offering reduced protection or are not using the very same tickets and accidents. Ensure you’re receiving an accurate comparison. Select the very same package of insurance coverages, limits, and deductibles as well as the exact same driving history for each and every quote you get.

When you’ve obtained a few car insurance quotes, consider the helpfulness of the agent you talked to and how well they clarified things and if they recommended other coverages. Then take a look at the company’s Google Reviews to make certain they satisfy your standards.

Now you are prepared to choose the agency that is the very best fit for you and we really hope it is us.

Car insurance Whatcom County

Who may I cover to drive my car?

You need to include everyone that on a regular basis drives your vehicle onto your insurance plan so there is no question of insurance coverage should an accident happen. Any person in your house or that has frequent access to your automobile needs to likewise be added since practically every policy requires you to disclose them and either list them as a driver or exclude them from policy coverage.

Where can I buy the cheapest vehicle insurance coverage

Sometimes the cheapest price is not the very best deal. Are you getting the coverage you need? Does the policy have coverages and exclusions that are acceptable to you?

An easy method for an insurance provider to have low rates is to deny every claim. Choose a company with a good track record and not an insurance company 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 merely looking for the lowest rate you have a variety of alternatives:

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

Is Washington a no-fault automobile insurance state?

Washington is not a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in an automobile accident may share some liability when determining compensation for damages. Comparative negligence might enable both the person at-fault and the other party to recover settlement for damages if they are partly to blame for the wreck.
Automobile insurance Whatcom County

When is usually a great Time to purchase insurance coverage?

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

  • Adding a teenager – Teens are 3x as likely to have a wreck, so consider yourself lucky if your insurance rate only doubles.
  • Adding or taking off a driver from your plan – could either increase or reduce your price depending upon the driver’s age and their driving record.
  • Crash – You most likely will lose your Safe Driver Discount even if the wreck was not your fault.
  • Update of your credit rating – if it substantially improves, ask your insurer if they can re-order your credit history.
  • Getting a house – You may now be in a different rating zip code and you might qualify for the homeowner’s discount and the bundling discount.
  • Marriage or Divorce – Major life change. May or may not change your premium
  • Relocating – every postal code has a different price as well as every insurance company has different factors for each zip code.
  • Acquiring a vehicle – the company that had the lowest price for your old vehicle might not be best with this vehicle.
  • DUI or other major infraction – If your existing insurance company learns about it, you will certainly be seeing a rate hike at your following renewal.

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

Auto insurance coverage is not required to obtain your Washington driver’s license but when you take the driving test, you need to show to the instructor evidence that the car or truck you are going to use is insured.

So, if the car or truck belongs to another person, you can simply show the owner’s insurance card to the examiner. Just be sure, for your safety and security and also the automobile owner’s, that their policy will cover you as a vehicle driver.

Why are you waiting?

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

Likewise, as a result of the number of companies we represent, we can cover most autos as well as most drivers even if they are categorized as a risky driver. Regardless of your driving history, if it is excellent, terrible, or shocking, we should be able cover you.

Why are you sitting there? Call us now at ( 509 )783-5600 or Ask for A Quote here to obtain your totally free car quote.

Vehicle insurance Whatcom 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..👍
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About Whatcom County

Whatcom County is located in the U.S. state of Washington. As of the 2010 census, the population was 201,140. It is bordered by Metro Vancouver Regional District and Fraser Valley Regional District in Canada on the north, Okanogan County on the east, Skagit County on the south, and the Salish Sea on the west. The county seat and largest city is Bellingham.

The county was created from Island County by the Washington Territorial Legislature in March 1854. It originally included the territory of present-day San Juan and Skagit Counties, which were later organized after additional settlement. Its name derives from the Lummi word Xwotʼqom, meaning “noisy water.”

Whatcom County comprises the Bellingham, WA Metropolitan Statistical Area.

Source: Whatcom County, Washington in Wikipedia

Top Car Dealerships Near Whatcom County

Total Automotive
3 reviews
Auto Repair, Tires, Transmission Repair
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SK Motorsport
14 reviews
Auto Repair, Oil Change Stations, Towing
1926 Humboldt St, Bellingham, WA 98225
Road Rescue Towing
25 reviews
2415 40th St, Everett, WA 98201
Blue Star Auto Salon
44 reviews
Auto Detailing
15205 Aurora Ave N, Shoreline, WA 98133

Top Things to Do Around Whatcom County

Wake ‘n Bakery
55 reviews
Coffee & Tea, Bakeries, Breakfast & Brunch
6903 Bourne St, Glacier, WA 98244
Chair 9
103 reviews
Pizza, Pubs, Beer Bar
10459 Mt Baker Hwy, Glacier, WA 98244
Milano’s Restaurant
62 reviews
Italian, Pizza, Cocktail Bars
9990 Mount Baker Hwy, Glacier, WA 98244
Heliotrope Ridge Trailhead
4 reviews
Hiking, Climbing
Heliotrope Ridge Trailhead, Deming, WA 98244