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Auto Insurance

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Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance coverage option for you.

Insurance for all kinds of vehicles

PLC Insurance can also insure your motorcycle and boat & Jet Ski - contact us for more information today.

PLC Insurance also handles antique and classic car insurance, to make sure your treasured cars and autos are around and protected for a long time to come. 

What kind of insurance do I need?

In some states, to drive you must carry:

  • Liability coverageto pay for losses you cause others, or
  • No-fault coverageto pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverages.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having car insurance is the simplest way for most people to comply.

To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive (Other than Collision) Insurance

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Every person is unique. Talk to us today to find out how to get the best price and value on Washington car insurance for you.

Want to find out more about your Auto Insurance options?

Liability Insurance

Coverage that pays for any loss if the insured person is legally liable for bodily injury to others or damage to someone’s property.

Collision Coverage

This covers the physical damage to the insured person’s vehicle due to a collision with another object, such as another vehicle, a fence, building, etc.

Deductible

The amount an individual must pay for health care expenses before insurance (or a self-insured company) covers the costs. Often, insurance plans are based on yearly deductible amounts.

Comprehensive Coverage

This covers damage to an insured person’s car — except by collision. For example, this covers their car if a tree falls on it or someone vandalizes it.

Get an Auto quote And start saving money today!

We can find discounts on auto insurance you may not find on your own. Give us a call, or get an auto insurance quote online today.

Lynnwood Auto insurance

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Teensurance Auto insurance for teens

Got a teen driver in the family? Now you can worry less, with Teensurance™ from Safeco. Learn more about car insurance for teens.

Umbrella policies Get additional loss protection

Your current insurance may not cover you fully in the event of a catastrophic loss. Learn more.

PLC Insurance, LLC - Serving the Greater Seattle Area and all of the Pacific Northwest

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425-712-3664

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Lynnwood office

4211 Alderwood Mall Blvd. #210
Lynnwood, Washington 98036

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PLC Insurance services all of the US, with a focus on the Puget Sound, Lynnwood, and Seattle, Washington