Auto Insurance

Auto Insurance is essential when it comes to protecting your vehicle and your financial liability in the event of an accident. The right policy can take care of your needs if your car is damaged or destroyed due to theft, fire, an accident, or other covered events. Events such as these can result in many medical and legal expenses following injury, loss of life, or property damage caused by an accident involving your vehicle. Your policy may protect you from these substantial expenses.

An auto insurance policy is a contract between you and your insurance company. Your insurance company agrees to pay for specific car-related financial losses during your policy term in exchange for a paid premium. Carriage Insurance works with you to find the best coverage for your needs.

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

Carriage Insurance provides personalized car insurance whether you drive a sedan, hybrid, minivan, SUV, pickup truck, station wagon, or anything in between. We are here to help you every step of the way, from selecting the proper coverage to carry to looking for all discounts that you may qualify for. Carriage Insurance also provides coverage for recreational vehicles such as motorcycles, motor homes or RVs, boats, jet skis, and even ATVs. Contact us for more information today!

Washington - how much Auto Insurance is right for you?

Our team, based in North Bend, Washington, understands the auto insurance needs of our customers.

Each state's auto insurance requirements are different. Most require that you carry a minimum amount of liability insurance and have proof of insurance. Carriage Insurance writes insurance in Washington, Oregon, California, Arizona & Montana, and ensures you have the right coverage for where you live. We have provided information about the driving laws and requirements in Washington, Oregon, California, Arizona & Montana as a helpful resource on this site as well. Be sure to review the requirements for your state.

What to consider when deciding how much insurance to carry

Carriage Insurance is happy to help you find the coverage that fits your individual needs, figure out what limits to carry, and find a deductible that fits your budget. If you have many assets, spend ample time on the road, or own a high-value vehicle that would be of serious cost to replace or repair, carrying the minimum coverage may not be the best policy for you. It’s also important to consider your potential liability to others. For example, if you provide transportation to children's sports games or field trips, carrying proper liability limits can protect you from potential financial loss. Even if you don’t have many assets to protect, liability coverage can be essential in protecting yourself from potential lawsuits.

Other important things to consider when determining how much auto coverage to carry:

  • Uninsured or Underinsured drivers on the road (There is a high percentage of uninsured motorists, so Uninsured motorists coverage can be very important)

  • Bad drivers

  • If you plan to finance a car, it is typically required that you carry comprehensive and collision coverage that covers physical damage to the vehicle you are financing.

Liability Insurance

If you cause an auto accident, liability insurance will pay for property damage or bodily injury caused to pedestrians, other drivers, or passengers. Bodily injury and property damage are two types of auto liability coverage. Bodily injury liability will provide coverage for injuries to others and resulting medical expenses, while property damage liability will provide payment for car repairs and damage to property like houses, mailboxes, fences, and business storefronts. It can also cover things like road signs or light poles that you would be liable for if you are in an at-fault accident.

Liability insurance provides financial stability by shielding you from substantial losses and providing protection from being sued for either property damage or injuries. A coverage limit is the most the insurance company will pay for damages. When purchasing a liability policy, you select the coverage limit and you are responsible for paying any expenses that exceed that limit.

If you have many assets to protect, you may consider purchasing excess liability (umbrella) coverage. If you reach the limits of your car insurance, this insurance will kick in. It’s important to carry enough coverage to protect the value of your assets from lawsuits.


Collision Insurance

Damage caused to your vehicle through an automobile accident will be covered if you have collision insurance. Collision coverage pays for repairs on an actual cash value basis, up to the fair market value of your car. Collision coverage also comes with an insurance deductible, which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you are willing to pay, the less collision coverage will cost.

Comprehensive Insurance (other than collision)

Comprehensive insurance covers damage done to your car, not through collision. For example, if your car is vandalized or stolen, comprehensive insurance will cover the damage. Other events such as fire, flood, hurricane, theft, and windshield damage will generally be covered under this coverage. Comprehensive coverage will pay up to the fair market value of your car (less your deductible), just like collision insurance. If you finance your car, you will most likely need comprehensive insurance as a part of your finance agreement.

How Driving Habits Affect How Much Auto Insurance You Should Buy

The more you drive, the greater risk of being involved in an accident. For this reason, if you drive in high-risk areas, populated cities, or simply drive a lot, it’s a good idea to get more coverage. Likewise, if you speed or have other drivers on your policy, you may want to consider a higher level of coverage.

At Carriage Insurance, we understand that 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.