Auto Insurance in Washington
Whether you are beginning your search for car insurance, seeking a lower rate or a new plan, Michelman Insurance Group is here for you! Allow us to do the heavy lifting and find the right auto carrier to suite your insurance needs. With many years of partnering with top companies and creating long-term relationships, our team may be able to save you hundreds on your auto insurance; particularly if you are considering bundling your insurance with another policy.
The Best Auto Insurance and Car Insurance Rates from an Independent Agent
Our agents work hard to ensure that you and your family get the best rates for your car insurance. Not only will your agent search for the lowest rate to match your insurance needs, you will also get the top notch customer service that only Michelman Insurance Group can deliver.
Auto Insurance Quotes
There are an overwhelming number of choices for car insurance out there, don’t stress! Let the professionals at Michelman Insurance Group gather quotes from several insurance carriers, presenting you with the best options for your budget and needs! Our agents are here to help guide you through rate comparisons, discounts, flexible payment options and they may have some money-saving tips as well. Get your quote today!
Collision and Comprehensive Coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan, you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident where you collide with something(another car, tree, curb).
- Comprehensive coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood and vandalism.
Collision and comprehensive coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Personal Injury Protection coverage
Personal Injury Protection also referred to as ‘PIP’ provides medical payment, loss of wages, essential services and funeral expenses for you as a driver and everyone else in your car. The coverage is provided on a per person limit, so no matter how many passengers you have, they are all covered. PIP covers you as a driver, a passenger in another car, or as a pedestrian. PIP is considered a “no fault” coverage, meaning the coverage “kicks in” instantly without delay while an accident is being investigated. Since PIP is used frequently, we do not sell any auto policy without this coverage.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Loss of Use/Rental Car coverage
Loss of Use provides coverage to rent a vehicle if your vehicle is in the shop for a covered collision or comprehensive loss. This coverage will have a limit per day and/or a total limit. This coverage does not come into play if your vehicle is in the shop for other reasons such as a general tune-up or detailing.
Towing & Labor coverage
This coverage pays for towing and minor labor costs if your vehicle is disabled. Labor includes services that can be done at the site such as changing a tire, or paying for a locksmith if you lock your keys in the car.
Auto Loan/Lease coverage
This coverage pays the difference between the actual cash value of your vehicle and the loan/lease amount. If you total your car and don’t have this coverage, the insurer will pay the actual cash value of the car, however, in many cases, your loan amount is greater than what the car is worth. This coverage will pay off your loan or lease. If you do not have a loan or lease, you do not want this coverage.
How much do I need?
Choosing the appropriate level of auto insurance coverage depends on a number of factors including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles) and your tolerance for risk.