Best Local Car Insurance Agencies in Tacoma

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What happens to your car insurance after a driving under the influence conviction in Tacoma?

  If convicted of driving under the influence in Tacoma, your auto insurance policy may be canceled, or your premiums may increase significantly because insurance providers may consider you a high-risk client. Your premiums can result in a growth rate of over 70% annually for comprehensive coverage after a DUI.

• Can you still acquire insurance for cars that are older than 25 years of age in Tacoma?

  Yes, you can. Consider acquiring specialized insurance options for Tacoma vehicles over 25 years old, such as classic car insurance. Standard policies may not offer sufficient liability and collision coverage to protect a rare or high-value antique car. A standard car insurance policy covers the current value of your vehicle, not its original value, implying that if you were to have an accident in your 2016 car model in 2023, you would receive the car's depreciated value at present rather than its 2016 value.

• How soon after buying a car do you need insurance in Tacoma?

  You should have car insurance before or on the same day as purchasing a vehicle in Tacoma since driving without one is against the law. If you already have insurance, you can contact your carrier to inquire about the process for adding a new vehicle to your policy. Since the grace period for reporting the purchase varies by business, it is best to do so as soon as possible.

• Is Tacoma car rental coverage included in your existing policy?

  Check if your existing car insurance policy has comprehensive and collision damage coverage, as the protection extends to the vehicle you rented in Tacoma. If not, the rental company will sell you one, which, according to state law, is the minimum coverage for:

  • Bodily injury or death per victim liability coverage of $25,000.
  • Bodily injury or death of two or more victims in a one accident liability coverage of $50,000.
  • Property damage coverage of up to $10,000.

• Can each household member's age information be a variable for car insurance pricing in Tacoma?

  Yes. Underwriters at car insurance firms in Tacoma evaluate drivers' risks and set premium prices based on several factors, including information about the age of each household member who is a licensed driver. For instance, motorists can expect to pay higher insurance rates if multiple drivers in the house are under 25 years old and seniors since both demographics are statistically more likely to be involved in an accident.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.