We insure quality drivers in the states of WA, ID, OR, and CA.

These states are what are known as "tort" states, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. Liability insurance helps fulfill this responsibility, and is required by law.

Basic Liability Coverage is REQUIRED, but more protection is highly recommended.

Besides the basic required liability insurance, drivers have many other options available to them. First of all, the amount of coverage may be increased. Besides liability and property damage coverage, there is personal injury coverage, uninsured motorist insurance, coverage against theft and vandalism, comprehensive protection against general physical damage to your car, etc.

How are auto insurance rates set?

In general, rates are set based on quality of each state's drivers as a whole, that is, how much is paid in settlements, etc. However, many other factors play a role as well. These include your personal driving record, your age and where you live. But that's not the end of the story! Different insurance companies measure these factors differently. There might be vast differences in what you would have to pay, depending on the company and the plan you sign up with.

Some Definitions & Explanations

LIABILITY (bodily injury and property damage)

Protects the covered person(s) who are legally responsible for bodily injury or property damage because of an auto accident.

PERSONAL INJURY PROTECTION

Will pay medical expenses for an accident sustained by a covered person.
     • You or any family member while occupying or as a pedestrian when struck by a licensed motor vehicle.
     • Any other person while occupying your covered auto.
     • Can include benefits for loss of wages, loss of services, and funeral expenses.

UNINSURED MOTORIST

Pays for damages a covered person is legally entitled to recover from the owner or operator of an uninsured/underinsured motor vehicle because of injuries received in an accident.

DAMAGE TO YOUR AUTO (physical damage)

Comprehensive Coverage
Protects the owners vehicle against:
     • Glass Breakage
     • Vandalism
     • Theft
     • Fire
     • Animal Collision

Collision Coverage
Protects the insured's vehicle against:
     • Collision with another vehicle or object
     • Overturn of their vehicles

DEDUCTIBLES

Both comprehensive and collision coverages have a deductible (your risk). They vary from $100 to $1,000.

The higher the deductible, the lower the cost.