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Why basic auto insurance may not be the right choice

Auto insurance offers a variety of protection for drivers. Not all types of coverage are mandated, but all of them have benefits that should be considered when choosing the kind of coverage you have. If you have a car loan, you will be required to have more coverage than if you don’t have a loan. At VIP Insured in Bellevue, WA, we are independent insurance agents who represent a variety of carriers and are able to work with you to find coverage that protects you at a price you can afford. 

Basic coverage includes only one type of coverage, liability. This is the insurance that protects other people from you. It covers them for bodily injury and also for the damage to their vehicle. It can also be what protects you if they decide to sue you for pain and suffering. In Washington, that is 25/50/10. If you happen to have an accident where you are at fault and the vehicle is worth more than $10,000, you will be paying the difference out of your pocket. Never a good idea. 

If you are like most people, you use your vehicle every day. You drive to work, run errands, take the kids to activities. Being without a vehicle is not an option. But what if you are responsible for an accident or are a victim of a hit and run? You will have to pay to repair or replace your vehicle yourself. Most people will find that difficult. 

What if your vehicle was stolen? Without comprehensive coverage, you will just not have your vehicle. When you count on your vehicle, it is important to have more than basic insurance coverage. Consider adding collision and comprehensive coverage. 

Contact VIP Insured in Bellevue, WA  by phone or drop into our office for a no-obligation quote.

A Look into Full Coverage Auto Insurance

There are a number of different safeguards that are in place when you have full coverage auto insurance. Aside from simply having peace of mind that your expenses will be covered if you’re involved in a collision, you will also have more freedom as you customize your coverage. You can also ensure that you are meeting your state’s minimum requirements for auto insurance. VIP Insured wants to ensure Bellevue, WA drivers are familiar with the different kinds of coverage available.

Comprehensive Coverage

Comprehensive insurance coverage will cover damages that don’t occur as a result of an accident. For instance, this type of coverage will cover events like fire, vandalism, and theft. It will pay some or all of the repair or replacement costs for your vehicle.

Collision Coverage

Collision insurance coverage will cover damages that occur if you cause an accident. It may also kick in for other situations when your vehicle suffers damage and another vehicle is not involved. These situations may include when you hit a tree, fence, mailbox, or telephone pole.

Liability Coverage

There are two main forms of liability coverage: bodily injury and property damage. Bodily injury will cover the medical costs for someone who is injured if you are deemed at fault for a collision. Property damage covers damages to the other individual’s vehicle if you’re responsible for an accident.

As you can see, the difference between collision and liability is that collision will cover your personal vehicle, whereas liability will cover the vehicle of the other party involved.

Most states will have a minimum requirement for you to carry in terms of liability insurance, and you can check with one of our insurance agents at VIP Insured to ensure you are meeting these requirements. We can answer any questions you have about insurance in Bellevue, WA and get you set up with an auto insurance policy that meets your needs and budget. Contact us today.

Auto insurance tips for new drivers in Washington

Washington state requires that all drivers carry liability insurance. While shopping for auto insurance isn’t as fun as shopping for the car itself, it is always a good idea to take your time and familiarize yourself with state requirements before making any insurance purchase. At VIP Insured, we recommend speaking to an auto insurance expert about the cost and coverages that work for you. Here are other insurance tips we thought you should know:

Shop Around for Better Rates

Insurance policies in Bellevue, WA are not always cheap, but you can always get the most out of your policy if you shop around. Sometimes it is wiser not to go with the big names in the industry, particularly if you are a new driver, but choose a company with special rates for new drivers. Of course, your auto insurance rates are going to be higher than rates of more skilled drivers, but it will be far less than what big companies charge.

Take a Defensive Driving Course

Some insurance companies charge better rates for drivers with an approved defensive driving course. Ask your insurance agent about these discounts before signing up for a class and determine whether it is worth the cost. New drivers are difficult to insure because they are not fully accustomed to the roads and their rules. That’s why it is critical to invest in driver education. There are many classes available today that aims to make everyone a better driver. Insurance companies can trust your driving skills and lower your premiums.

Take Advantage of Discounts

Insurance companies use different channels to provide their customers with discounts. For instance, your insurance company can give a discount if you buy more than one policy, such as home and auto insurance. If you also wish to add more cars to your policy in the future, your insurance can also give discounts.

Getting your first auto insurance policy may seem intimidating, but it’s all worth it if you put in the effort. If you are looking to buy auto insurance in Bellevue, WA, VIP Insured is here to guide you through the steps and make sure you find a policy that fits your needs. Contact us today!


  • Allied
  • Assurant
  • Chubb
  • Dairyland
  • Direct Auto Home
  • Encompass
  • MetLife
  • Metromile
  • Mutual of Enumclaw
  • National General
  • Nationwide
  • Progressive
  • QBE
  • Safeco
  • Travelers
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