Best cheap car insurance quotes in Tumwater
The key to finding the cheapest car insurance in Tumwater comes down to deciding what coverage you need. Drivers can choose between state-minimum liability coverage or opt for a more comprehensive policy with full coverage.
Whether you choose minimum or full coverage, our insurance agents at Jerry recommend increasing your minimum coverage limits above what your state requires—choose 50k/100k/50k at a minimum, but 100k/300k/100k is even better—and adding full coverage (i.e., collision and comprehensive insurance) for better financial and legal protection.
Cheap minimum liability insurance quotes in Tumwater
Washington car insurance laws require all drivers to carry liability insurance that meets or exceeds the following limits:
$50,000 per accident of bodily injury liability coverage
Remember, these are the bare minimum levels of liability coverage. In the event of a collision, you’ll be protected up to your policy’s limits if you cause injuries or property damage while driving.
In Tumwater, WA, a minimum coverage policy averages about $46 per month or $552 per year, and there are affordable places you can turn for coverage in the city.
| Monthly minimum coverage cost |
---|
| |
| |
| |
| |
Do you need more than minimum coverage in Tumwater?
Most Tumwater drivers can benefit from liability insurance that exceeds state minimum coverage limits.
The reason: Healthcare costs are rising across the US, meaning that accidents involving third-party injuries can quickly exhaust minimum limits. And if property damage is severe, the cost to replace it can amount to well over the $10,000 property damage limit. In short, if you don’t increase your limits and cause a serious accident, you’ll be on the hook for paying the remaining fees that exceed your policy limits.
It’s also important to note that liability coverage doesn’t pay for physical damage to your vehicle or protect you against collisions with hit-and-run or uninsured drivers.
The bottom line: Increase your liability limits to at least 50/100/50, or choose a policy with comprehensive, collision, and uninsured motorist coverage.
Cheap full coverage car insurance quotes in Tumwater
Full coverage
is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.A full coverage policy in Tumwater includes comprehensive
and collision coverage
. Collision coverage: Pays for vehicle repair or replacement costs if you get into a collision with another vehicle or stationary object.
Comprehensive coverage: Pays for damages resulting from non-collision-related incidents, such as theft, vandalism, or a severe weather event.
Also, keep in mind that if you loan or lease your vehicle, your lender may require you to have collision, comprehensive, and gap insurance for the duration of your loan or lease.
Let’s take a look at some of the most affordable providers for a full coverage policy in Tumwater.
| Monthly full coverage cost |
---|
| |
| |
| |
| |