Auto Insurance

Looking for Car Insurance in Washington State?

Whether you are looking to get a car insurance quote or comparison in Puyallup, Ferndale, Monroe, or any other part of Washington state, PNW Insurance Group can help you find the best car insurance company and price that fits your needs.

PNW Insurance Group is 100% independent so we can compare auto insurance coverage options with a wide range of insurance providers to see who offers you the best deal possible. The best part? It doesn’t cost you a penny more to use us and we can actually help you save money if you were to just shop for insurance on your own.

Our job is to make sure that there are no hidden gaps in your policy. Give us a call or email to learn more about some ways you could save on your auto insurance. We can help you with standard auto insurance, as well as car insurance for collector cars.

What is car insurance?

When most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.

Car insurance is designed to provide you with financial protection in the event your vehicle is stolen or involved in an accident which caused damages to your car, another person’s car, property damage, or even injuries to you and other people. While these coverages are available and should be on you current car insurance policy, not everyone has the proper limits to provide adequate protection.


Do I need car insurance?

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured. Every state has different requirements which may vary so make sure to check in with your local insurance agency to find out what type of coverage you need.

What a lot of people don’t realize is, having great auto insurance coverage doesn’t necessarily mean having higher insurance premiums.
Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. You’re at risk every single time you get into your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

What does car insurance cover?

When you browse through your auto insurance policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy. Let us clarify a few of the most important car insurance coverages for you:

    • Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

    • Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

    • Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your auto policy that compensates the other person for that damage.

    • Bodily Injury Liability

This car insurance coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays the other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

    • Uninsured & Underinsured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.


How much does car insurance cost?

Wondering why your insurance policy is so high or why your auto insurance rates keep going up? The following variables are just a few of the most common factors affecting how much you pay for car insurance. If you’d like to find out how much you can save on your auto insurance or would just like to compare car insurance quotes, give us a call!

    • Age

Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred car insurance rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.

    • Credit

Credit is a metric that has been used in insurance scoring for many years. Did you know that currently 46 states use credit as a metric in insurance scoring? Washington was a part of this group but as of March, 2021 the credit ban with regards to insurance means credit is no longer an insurance factor in Washington state. If you live in one of the 46 states that still does consider credit, it’s important to understand that your credit rating can change your insurance rates. Typically, the better your credit, the more favorable your rates will usually be.

    • Car

The make and model of the car, engine size, safety features, etc. are all part of determining your auto insurance rate.

    • Driving History

Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, multiple moving violations or accidents, chances are, you won’t get a preferred insurance rate until those things are at least 3 years old.

    • Household

Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s insurance pricing in the household.

How to Get Started with Your Car Insurance Quote

To get started on your auto insurance quote today simply call our office directly or complete the fields below!

We understand you may be concerned about the specifics of your car and the insurance policy you are carrying. So while we are based in Puyallup, we are happy to share that we also serve clients all across Washington state in cities like Ferndale, Monroe, Tacoma and yes even Spokane!

Our local and independent insurance agency is ready to answer all your questions about car insurance. Get your online quote from one of our independent car insurance agents today!

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