Auto Insurance in Washington
Protection Tailored to Your Drive
Comprehensive Auto Coverage You Can Trust
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Our team explains coverage nuances—liability, collision, comprehensive—and helps you select the right mix for city streets or rural highways.
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Need auto insurance? We handle filings quickly to restore your driving privileges without hassle.
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For business owners and fleet operators, our commercial auto insurance solutions protect company vehicles and drivers under one policy.
Why Washington Drivers Rely on Our Agency
Washington’s varied terrain—from wet, winding coastal roads to icy mountain passes—creates risks that generic policies may not address. We assess where and how you drive, then recommend coverages that fill gaps, such as comprehensive protection against weather-related damage or uninsured motorist coverage for busy urban corridors.
Many drivers don’t realize how frequently their coverage should evolve. Life changes like adding a teen driver, purchasing a second vehicle, or using your car for occasional rideshare work can leave you underinsured. We review your situation annually, ensuring your auto insurance adapts to new vehicles, new drivers, and new uses—so you’re never caught off guard.
Filing a claim can be overwhelming. From the moment you call us, we guide you through the process—helping document damage, securing repair estimates, and advocating for a fair settlement. Our history as Poulsbo Junction Insurance and Gellor Insurance reflects decades of standing by Washington drivers in tough times.
Frequently Asked Questions
What coverages are mandatory for auto insurance in Washington?
Washington law requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. Most drivers also choose collision and comprehensive to protect their own vehicles.
How can I lower my premium?
You may qualify for discounts by maintaining a clean driving record, bundling auto insurance with other lines like home insurance or RV insurance, and installing approved safety devices. Our agents will run a full discount analysis for you.
What should I do after an accident?
First, ensure everyone’s safety and call authorities if needed. Then contact our agency—we’ll help gather police reports, photos, and repair estimates, and guide you through your coverage options so you get back on the road quickly.
Can I transfer my policy if I've moved from Oregon or Arizona?
Yes. We specialize in helping clients who relocate into Washington transition their coverage seamlessly, updating limits and endorsements to comply with state law.
