Auto Insurance in Spokane WA

Auto Insurance in Spokane and Surrounding Area

Looking for affordable auto insurance in and around the Spokane area? Inland Insurance has you covered. We can help you obtain the right auto insurance to protect your valuable asset.

When you think about auto insurance, you need to consider much more than just damage to your car. Auto insurance actually covers a great deal more than just vehicle damage. You must consider personal injury and property damage as well.

Given the number of cars on the road today with all the increasingly distracted drivers, it’s not hard to imagine how vulnerable you can be. Your chances of being involved in a car accident in your lifetime are pretty high. You and your family are at risk every time you drive your car. Give this fact, it’s important to understand what insurance coverage is available to protect your vehicle, but more importantly you and your loved ones. Whether an accident is caused by another driver or your own negligence, you are responsible for protecting your passengers.

If you are ever involved in an accident with bodily injury and you are found at fault, you could lose literally everything if you are not properly insured. Having the right coverage is important and does not have to cost an arm and a leg.

Being an independent insurance agency, Inland Insurance can compare auto insurance coverage from a wide range of providers to offer you the best and most affordable insurance available. We shop around and you save!

Because we are compensated directly by the insurance carriers themselves, it doesn’t cost you any more than the standard policy cost for us to work on your behalf.  We work to find you the most appropriate and affordable auto insurance coverage available at no extra cost to you.

Because no two insurance carriers and their policies are ever the same, it takes skilled professional insurance agents like Inland Insurance, to sift through the details of each to determine the most suitable coverage for your particular needs. You need someone on your side that truly understands policy contracts to sift through the exclusions and conditions so you can rest assured knowing that you are protected with the best coverage possible.

Summary of Coverages

Your auto insurance policy will contain several types of coverage that you will add or decline. It is important for you to have at minimum a basic understanding of each form of coverage. This will help you in deciding what insurance coverage best suits your needs.

Collision

Collision insurance is a coverage that helps pay for repair or replacement of your car if it is damaged in an accident with another vehicle or object, such as a tree or fence. If your car is financed through a bank, or you are leasing your car, collision coverage is typically required by the lender.

Comprehensive

Comprehensive is a coverage that helps pay for the repair or replacement of your vehicle if it is stolen or damaged in an incident other than a collision. Comprehensive coverage typically covers damage from falling objects, like trees, rocks or hail, and from fire and vandalism. If you are financing your vehicle, the lender may require this coverage.

Property Damage

Property damage liability coverage helps pay for the repair of damage to someone else’s vehicle or property due to an accident you caused, up to the policy limits. Some minimum amount of property damage liability coverage is typically required with minimums amounts set by each state.

Bodily Injury

Bodily injury liability is auto insurance coverage that helps you pay for another person’s injuries in an accident that you are found to be at fault. This is one of two types of required auto liability insurance, the other, property damage. Some minimum amount of bodily injury liability coverage is typically required with minimums amounts set by each state.

Uninsured/Underinsured

An uninsured motorist is someone without auto insurance. Uninsured motorist coverage is part of a car insurance policy that helps pay for your medical bills or car repairs if you’re hit by a driver who doesn’t have car insurance.

Underinsured motorist coverage is a protection that helps pay for your expenses if you’re hit by an underinsured driver. This coverage is important in the event that their liability limits aren’t enough to cover your bills after an accident.

What affects your auto insurance premiums?

Policy Deductibles – You decide what coverage is best for you, beyond what is required by your state. Generally choosing a higher deductible means a lower monthly payment. Choosing a higher coverage amount means a higher monthly payment.

  • Age – Insurance carriers’ factor your age in their rating algorithms. Drivers under 25 years of age and those over 65 don’t typically receive preferred rates. Statistics show that these age groups are at a higher risk.
  • Credit History – Many insurance carriers use your credit history to help determine the cost of your auto insurance premium. Maintaining good credit may have a positive impact on the cost of your auto insurance.
  • Where You Live – Due to higher rates of vandalism, theft, and accidents in certain areas, urban drivers generally pay more for car insurance than those residing in small towns or rural areas.
  • Your Vehicle – Auto insurance carriers often develop vehicle safety ratings by collecting data from customer claims and analyzing industry safety reports. They typically offer discounts to auto customers who drive safer vehicles.
  • Driving History – Drivers who cause accidents generally must pay more than those who have gone accident-free for several years. If your driving record reveals a history of moving violations and accidents, you won’t get preferred rates.

Call or office today and let’s get a quote started for you.