Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and most recreational vehicles!

If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, Carriage Insurance can provide personalized car insurance quotes that are right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way. Carriage Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today

Washington – How much auto insurance is right for you?
Based in North Bend, WA, our team understands the auto insurance needs of our customers. 

Auto insurance requirements vary by state. In most states you are required to carry a minimum amount of liability insurance and have proof of insurance.  Carriage Insurance writes insurance in Washington, Oregon and California and we would be happy to help you ensure that you have the right coverage for where you live. We have provided information about specific driving laws in WA, OR and CA.  Be sure to review the laws for your state.  

Carriage Insurance can help you choose the right coverage, figure out what limits to carry and a deductible that fits your budget.  Carrying the minimum coverage may not be the best thing to do if you have a lot of assets to protect, drive a high value vehicle that would be expensive to repair or replace, or spend a lot of time on the road. You should also think about your potential liability exposure to others.  Do you provide transportation for children’s games or field trips?  Even if you do not have a lot of assets to protect, you can protect yourself from potential lawsuits by carrying the proper liability limits for your situation.  Fortunately, insurance premiums become less and less expensive as you select higher liability limits.  For example, a $300,000 liability policy would not cost three times that of a $100,000 policy.

Other things to consider when deciding how much insurance to carry would include:

  • Uninsured / Underinsured motorists on the road
  • Bad drivers
  • If you plan to finance a car, you will usually be required to have insurance which covers damage to your vehicle.

Liability Insurance

Liability insurance pays for bodily injury or property damage caused to other drivers, passengers and pedestrians if you cause an auto accident. The two types of auto liability coverage are bodily injury and property damage. Bodily injury liability covers injuries to others and the resulting medical expenses, while property damage liability pays for car repairs and damage to other people's personal property.

The purpose of liability insurance is to provide financial stability by shielding against large losses, and providing protection from being sued for injuries and property damage. When you purchase an auto liability policy, you will select a coverage limit. This is the most the policy will pay for damages, and you will be responsible for any damages that exceed the coverage limit.

Those who do have a lot of assets to protect may want to get an excess liability (umbrella) policy as well.  This insurance coverage would kick in after you have reached the limits of your car insurance.  You should consider carrying enough coverage to protect the value of your assets from lawsuits.

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed. 

How Driving Habits Affect How Much Auto Insurance You Should Buy

If you drive in high risks areas like highly populated cities, or if you just drive a lot, you may want to have more coverage.  The more you drive, the more risk you’ll have of being involved in an accident.  If you tend to speed or if there are other drivers on your policy, you may also want to consider more coverage.

Every person is unique

Talk to us today to find out how to get the best price and value on auto insurance for you.

You are not just buying insurance, We CARE at Carriage! Call for a quote today at 425-641-5066.