Auto insurance in Tri-Cities, WA is not only something that drivers should have to be protected financially it is also required, in many states, by law and Washington is no exception.
If you are looking for auto insurance in Richland, West Richland, or any other part of Washington State you need to give Legacy One Insurance a call or stop by our office.
At Legacy One we can help you find the car insurance that not only fits your needs but your budget as well. See how much we can save you on your auto insurance in Richland, Washington.
The insurance companies that we represent provide customers with a wide range of competitively priced vehicle insurance products. There are also many discounts that individuals can qualify for, to make their insurance even more affordable. When signing up for an auto insurance policy in Kennewick, WA, customers will be asked whether they want collision and/or comprehensive coverage, how high they’d like their deductible, what liability limits they want and what types of optional coverage they will require.
When shopping for an auto insurance policy, it is important to understand the meanings of these terms and also how much coverage is right for your specific situation.
Standard and Preferred auto Insurance
Discounts that are available
High Risk auto Insurance
SR-22 Insurance, Broad Form Operator Coverage
Special program for Mature/Elderly Drivers
Classic autos / High Valued autos
Collision and Comprehensive Coverage
Collision and comprehensive coverage will pay for damage to your automobile. When signing up for an auto insurance plan you can purchase either of these types of coverage or each of these types of coverage. Some auto loans require automobile owners to have both types of coverage.
The collision coverage provides insurance for any damage caused during an accident. Comprehensive coverage provides insurance coverage for physical damage that is incurred in events such as a fire, theft, flood or even vandalism.
Collision and comprehensive insurance coverage will usually include a deductible. Your deductible can range from $100 to $1,000. The deductible is the amount of money you are responsible for when your car is damaged. Any damage, in excess of the deductible, will be covered by the insurance company. Usually, the higher that the deductible is the lower the customer’s premium will be.
Medical Payments Coverage
Medical payments coverage will cover the medical expenses for yourself and the passengers in your car that were injured in an automobile accident. Usually, a dollar limit is specified and if a medical expense exceeds that, the insured is responsible for the rest of the cost. This coverage is provided no matter who is at fault in the accident. When you and your passengers are insured, this type of coverage may not be necessary.
Liability coverage will cover the injuries that you cause to another person or the damage that you cause to another individual’s property when you are in an automobile accident that is your fault.
Personal Injury Protection
Personal injury protection, or no-fault coverage, is required in some states. This is the coverage that will pay for things like medical or rehabilitative expenses, replacement services or the cost of a funeral. If someone is injured in an accident and cannot work, this coverage will pay for the loss of income as well.
Uninsured/Underinsured Motorist Coverage
This specific coverage will cover injury that comes from a person that has no insurance coverage or does not have enough liability coverage to cover your injuries. This is also the coverage that is used if a hit-and-run driver damages your car or injures you.
There is even more special coverage such as towing, rental reimbursement or even roadside assistance that is available to those looking for an insurance policy. Although none of these types of coverage are required, customers should consider if any of the coverage would be beneficial for them.
How much do I need?
When choosing auto insurance, customers should understand that the amount of auto insurance coverage that they need will depend on many different factors. When considering what type of coverage you will need, you should consider the assets that you need to protect, the value of your vehicle, the amount of money you could pay out-of-pocket and your tolerance for risk.