Auto Insurance in Washington

Auto insurance is a tricky subject and many people are paying more than they have to or do not have the necessary coverage for their vehicle. The helpful independent insurance agents with Sound Choice Insurance Agency Inc. in Washington can help you determine what level of coverage you need and want to stay safe.

Auto insurance comes in two basic levels of coverage. The first is liability insurance, this is the minimum amount of insurance coverage that is required by your local government in order to legally drive and register your vehicle. Coverage requirements vary from state to state but most states adhere to a specific set amount that is in the $10,000 range. This sum of money is set in place to help pay for the medical bills of anyone that you may be involved in an accident with.

Liability simply means that there is some form of protection in place should you get into an accident so that you and those that are in the vehicle with you and the other vehicle will not have to come out of pocket for all their medical expenses. This is going to be the cheapest coverage you can buy and may not cover all medical bills.

The second type of coverage is full coverage. If you have an automobile that is not paid off or that you are still making payments to a loan company on, you are required to hold full coverage in order to honor the loan and in order to recover the full value of the vehicle should it be totaled and the loan company be required to get the value of the loan paid off. Full coverage also offers a bit more in the way of coverage and payment of medical bills as well as paying the deductible for the other insurance policy.

For more information or to find out what policies we offer, call Sound Choice Insurance Agency Inc. today.