Auto Insurance

Washington insurance law requires all drivers to purchase auto insurance to pay for injuries or damages related to automobile accidents they may be responsible for. Whether you are a new driver in search of your first auto insurance policy, or just shopping for a better rate on your current policy, Horizon Insurance Agency LLC can help. We work closely with many of the nation’s top insurance providers to offer the best coverage at the lowest rates available.

Every driver in Puyallup and Shelton must carry minimum levels of liability coverage to comply with Washington law. Liability insurance is designed to help pay for costs associated with damages and injuries to other parties involved in an accident that you cause. Drivers who do not purchase insurance or who have insufficient coverage can be subject to a minimum fine of $450.

Washington Auto Insurance Minimum Requirements

Liability Coverage:

  • $25,000 for bodily injury per person
  • $50,000 total for injuries per accident
  • $10,000 for property damage

Remember, these are simply the minimum requirements for Puyallup and Shelton drivers. You may wish to purchase more substantial liability coverage for increased protection.

Optional coverage can be added to your auto insurance policy to further protect both you and your vehicle. Coverage that can enhance your policy includes uninsured/underinsured motorist coverage, collision coverage, comprehensive coverage, roadside assistance/towing coverage, rental car coverage, loan/lease gap coverage, and more. Two of the most common additions to an auto insurance policy are collision coverage and comprehensive coverage.

The coverage required on your Washington auto insurance policy is meant to pay for damage or injury to others. This coverage does not extend to you or your vehicle. Collision coverage will pay for damage you were to cause to your own vehicle. Your bank or lender may to require that you purchase a certain level of collision coverage if you are financing or leasing a vehicle. It may make sense to decrease collision coverage or remove it from your policy entirely if your vehicle has depreciated substantially.

Damage can occur to your vehicle even if you’re not on the road. Comprehensive coverage will take care of damage to your vehicle caused by various external factors including vandalism, fire, theft, natural disaster, and similar non-collision related damage. As with collision coverage, you should consider the age and condition of your vehicle when deciding on comprehensive coverage.

Puyallup and Shelton can take advantage of various discounts to help save money on auto insurance. This can include safe driver discounts, discounts for completing defensive driving courses, anti-theft discounts, multi-vehicle discounts, and much more! We will work to make sure you receive all of the discounts that you qualify for.

At Horizon Insurance Agency LLC it is our goal to find each of our clients an affordable auto insurance policy that meets all of their unique coverage needs. For more information on Washington auto insurance or to receive a free quote, contact us today!

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Click here to see Top 10 Reasons to Purchase a Rental Car Damage Waiver

Antique & Classic vehicle insurance

We don’t just cover newer vehicles, we will also help you take care of your Antique Classic vehicle insurance. When you make an investment with your heart and money, you want to make sure it is safe. There is a big difference between collector car insurance and regular use policies. The biggest one is cost. Most collector insurance policies run 50-60% less than a regular use policy.

Does your car qualify as an Antique Collector vehicle?

If your car was made before 1979 than it is.

Some vehicles that are considered Antique Collector vehicles are:

Muscle cars                                                Classic cars

Antiques                                                     Exotics

Street rods                                                 Customs

Replica and kit cars                                   Cobra replicas

Restoration in process                               Trucks

Motorcycles                                                Military vehicles

Tractors                                                      Fire engines

Our experienced classic car insurance specialist is ready to help you.  We have 3 different vendors available with incredible expertise.

See the auto insurance frequently asked questions-FAQ

Note: As stated in our “Terms of Service” (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies you are contemplating purchasing.