Auto Insurance in Kirkland, WA
If you live in or near Kirkland, Washington, and own or operate a personal vehicle, you’ll want to make sure that you have the right auto insurance to protect yourself financially. We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Plus, our team is well-versed in Washington’s state laws surrounding salvage titles and proof of financial responsibility (SR-22).
If you’re shopping for auto insurance or want to make sure you have the right policy for your budget, give us a call today. At Absolute Insurance Solutions, we’ll help you navigate your auto insurance needs and find the right coverages to add to your policy.
What Is Auto Insurance?
Auto insurance is a contractual agreement between you and the insurer in which you agree to pay the insurer your premium, and the insurer agrees to provide you with financial protection as dictated under your policy. Most states, including Washington, require auto owners and drivers to carry minimum amounts of auto coverage and proof of insurance or financial responsibility. Absolute Insurance Solutions can help ensure that you have adequate insurance coverage.
What Are the Types of Auto Insurance?
Every auto insurance policy is different because you—the policyholder—can choose what coverages to add to your policy and the limits of those coverages. Here’s a list of common coverages you may consider adding to your policy:
- Liability insurance—If you are at fault in a wreck, this type of coverage can help insure you against any damage you cause others. Most states, including Washington, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
- Property damage liability—This coverage can help pay for damage to the other driver’s property (e.g., their car).
- Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
- Collision insurance—This portion of your policy can help cover the costs of repairing damages or replacing your vehicle following a collision.
- Comprehensive insurance—This portion of your policy can help cover the costs of repairing or replacing your vehicle following damages that are not related to a wreck, such as theft, weather damage or vandalism.
- Personal injury protection (PIP) insurance—This portion of your policy can help you pay for medical and hospital expenses, wage loss, loss of services, and funeral expenses, up to your policy’s limits, if you or your passengers are injured in an accident, regardless of who is at fault. In Washington, insurers are required to offer you PIP, but you don’t have to purchase the coverage. If you choose not to add this coverage, you’ll need to reject it in writing.
- Uninsured/underinsured motorist insurance—This type of coverage can help you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
Depending on your situation, you may want to add additional coverages, such as GAP coverage, glass coverage, roadside assistance, or other optional lines of coverage. Absolute Insurance Solutions will work with you to determine the most appropriate coverages for you and your budget.
What Is SR-22 Insurance?
Though commonly referred to as a type of auto insurance, an SR-22 is not a type of auto insurance. Rather, it’s proof of financial responsibility that some high-risk individuals may be required to obtain to be allowed to register or renew their vehicle’s registration. Every state has its own rules regarding SR-22, but Washington may require you to obtain SR-22 if you’ve forfeited bail for or been convicted of certain offenses, owned or driven a vehicle that was involved in an accident or failed to pay any set judgments. Absolute Insurance Solutions can help you obtain an SR-22 if you’ve been told by the state you need one and also help you navigate getting auto insurance as a high-risk driver.
Can You Get Insurance on A Car With A Salvage Title?
Under Washington state law, a vehicle that is a salvage vehicle has been declared a total loss, and the legal owner, insurance company or another third party acting on the owner’s behalf has decided that it would not be economical to repair the damaged vehicle. There are complexities to the state’s laws on salvage titles for vehicles. Still, you cannot legally drive or park a salvage title vehicle on public roadways until a new title has been issued. Work with Absolute Insurance Solutions to better understand the Washington state laws surrounding salvage title rules and regulations.
How to Get Auto Insurance in Washington
Absolute Insurance Solutions is committed to helping you find a policy to fit your specific needs and budget. Reach out to us today to start the conversation or to get a quote.