Car Insurance in Camas, WA

Vehicle owners in Camas, Washington need car insurance. A good auto policy can shield you from significant financial losses whether you cause a multi-car collision on the Lewis and Clark Highway, get rear-ended at a stoplight on 192nd Avenue, or find yourself with a fender-bender in a grocery store parking lot.

Independent agents can answer your insurance-related questions and help you find the coverage you want at the most competitive price. Contact an independent insurance agent near you to get more information and compare a variety of customized car insurance quotes.

How Much Does Car Insurance Cost in Camas, WA?

Drivers in Camas will be happy to learn that the average cost of car insurance in Washington State is lower than the national average rate.

• National average annual car insurance cost: $1,311
• Washington average annual car insurance cost: $1,110

Auto policy rates can vary significantly between drivers because insurance companies calculate prices based on several factors, such as:

• Your vehicle’s year, make, model, condition, and value
• Your age, gender, occupation, and driving record
• Information about other licensed drivers in your household
• Your insurance claims history and credit score
• The amount and types of coverage you want to include in your policy
• The size of your deductible

Comparing prices from a few competing insurance carriers lets you choose the policy that offers the coverage you want at the most affordable price. Independent insurance agents make comparison shopping easy.

Are There Any Car Insurance Discounts Available in Camas, WA?

The easiest way to save money on your car insurance is by purchasing a policy through the same insurance company that provides some of your other coverage, like your home insurance or renters insurance. We call this bundling.

Some other money-saving opportunities you may encounter include car insurance discounts for:

• Safe drivers
• Members of the US military
• Good students
• Teachers
• Insuring multiple vehicles
• Having a vehicle with certain safety features and anti-theft devices
• Renewing your policy

A local independent insurance agent can ensure that you receive any offered discounts for which you qualify.

Is Car Insurance Required in Camas, WA?

To comply with state law, all vehicle owners in Camas must do one of the following:

• Purchase a car insurance policy that meets or exceeds Washington’s minimum coverage requirements.
• Post a liability bond of at least $60,000 from a Washington state-authorized surety bond company to cover liabilities if you cause an accident.
• Apply for a certificate of deposit for at least $60,000 to cover liabilities if you cause a collision.
• Apply to self-insure. (This option is available to residents who own at least 26 vehicles only.)

Most vehicle owners in Camas find purchasing a car insurance policy the best choice.

What Are the Minimum Coverage Requirements for Car Insurance Policies in Camas, WA?

To meet or exceed Washington State’s car insurance requirements, your policy must include:

• Auto liability insurance: This covers any injuries and property damage you may cause to other people if you are at fault for a collision. You must have, at a minimum:
  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage per accident: $10,000

A minimum coverage policy may not provide you with enough insurance if you are at fault for a serious collision involving multiple injuries. Many Camas residents opt to purchase much more liability coverage than the state requires.

If you have a lot to lose and want to boost your liability coverage even higher than your car insurance policy can allow, you can do so by purchasing umbrella insurance. This is an affordable way to significantly increase all of your personal liability coverage.

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What Else Does Car Insurance Cover in Camas, WA?

In addition to the auto liability insurance required by the state, your insurance company is likely to offer several coverage options, including things like:

• Physical damage coverage: Sometimes referred to as “full coverage,” this is typically required by lenders if you are financing your car and by dealerships if you are leasing it. Physical damage coverage includes:
  • Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or destroyed by a non-collision event such as a hailstorm or theft.
• Medical payments insurance: This can help cover the cost of medical treatments if you or your passengers are injured in a collision, regardless of fault. It supplements the coverage offered by your health insurance by covering expenses like deductibles, copays, and ambulance services.
• Uninsured motorist insurance (UM): This can cover your injuries and property damage if you are involved in a collision caused by an uninsured driver. If you opt to purchase this coverage, you must buy at least:
  • UM bodily injury coverage per person: $25,000
  • UM bodily injury coverage per accident: $50,000
  • UM property damage coverage per accident: $10,000
• Towing and roadside assistance: This can cover the cost of assistance if your vehicle breaks down, such as if you get a flat tire, have an overheated engine, or blow a gasket.
• Gap insurance: This is designed to protect people who still owe more for their car than it is currently worth. It can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event.
• Rental reimbursement coverage: This can cover the cost of renting a car while you have yours repaired for damage sustained in a covered event.

Review the details and costs of all offered coverage options to determine which are a good fit for you and your family.

What Is the Penalty for Driving without Car Insurance in Camas, WA?

If you are caught driving without insurance in Washington, you can face consequences that include:

• A fine of at least $450
• Fees totaling at least $15
• Community service
• Higher car insurance rates

If you cause an accident while uninsured, there are more consequences. In addition to the penalties listed above, you will be responsible for compensating others for any injuries or property damage you may have caused. You can also have your driving privileges suspended.

Despite these penalties, Washington State has one of the highest rates of uninsured drivers in the country.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Washington drivers who are uninsured: 17.4%

If you have included uninsured motorist insurance in your auto policy, you can rest assured that if you are involved in a collision caused by an uninsured driver, your insurance company will cover your medical treatments and property damage so you do not need to sue the at-fault driver.

How High Is the Auto Theft Rate in Camas, WA?

The auto theft rate in Washington is higher than the national average. However, in Camas, the rate is much lower. This is not to say the risk does not exist. Residents of this city report around 20 vehicle thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Washington auto theft rate per 1,000 people: 3.12
• Camas’ auto theft rate per 1,000 people: 0.45

Although you are unlikely to be the victim of auto theft in Camas, you should know that you can only be reimbursed for a stolen car if your auto insurance policy includes comprehensive coverage. This optional insurance can cover a wide range of non-collision hazards.

You probably have comprehensive coverage if you are leasing or financing your vehicle. If not, be sure to ask how much it would cost to add it to your car insurance policy to determine if it is of value to you.

What Are the Best Car Insurance Companies in Camas, WA?

Attributes that make some insurance companies stand out above the rest include responsive customer service, reliable coverage, timely claims processing, and competitive rates.

Independent insurance agents in Camas have developed partnerships with some of the best car insurance companies in Washington State. This lets you be sure that any policies your agent recommends to you are offered by companies you can count on if you ever need to file a claim.

How Can an Independent Agent in Camas, WA Help Me Find the Best Car Insurance Policy?

Independent agents in Camas make finding the best and most affordable car insurance policy easy. These agents can explain your various coverage options, answer your coverage-related questions, and help you compare policies and rates from a selection of competing auto insurance providers.

It won’t cost you anything to obtain guidance and advice from one of these experienced agents. Find an independent insurance agent near you to start comparing a selection of customized car insurance quotes.