Auto Insurance Federal Way
Ensuring You Find the Right Insurance Policy in Federal Way
When you own a car, the right auto insurance policy is necessary to ensuring you are safe and your car is safe. When your car is damaged or destroyed as a result of a collision, a fire, theft, or any other event that is covered, you will want to be insured with a company that can get you back on the road as soon as possible. An auto insurance policy will also protect you against medical and legal expenses that come as a result of injury, loss of life, or property damage that is caused by an accident that involves your vehicle.
Your auto insurance policy will act as a contract between you and an insurance company. As you pay your monthly premium, your insurance company will then pay for the losses that are covered in your insurance policy. Talk with one of our experienced Account Managers to figure out what coverage is going to be the best for you and your needs.
Goff Insurance has many Auto Insurance policies for all kinds of vehicles in Federal Way!
Whether you need insurance for your motorcycle, classic car, motor home, RV, boat, jet ski or ATV, Goff Insurance has an insurance policy that will work well for you. Contact us to get the information you need to sign up for your auto insurance policy today!
How Much Auto Insurance is Necessary in Federal Way?
Because we are based in Federal Way, our car insurance team understands the auto insurance needs of each of our customers.
Each state also has some type of auto insurance requirement and these requirements vary by state. In some states, it is required that you carry:
- Liability coverage – will cover losses that you cause other drivers
- No-fault coverage – will pay for you and your passengers when medical expenses are incurred because of injuries that are caused from a car accident, regardless of who is at fault.
- Both types of coverage.
If you are driving in a state that does not require auto insurance, you will be required, by law, to be able to pay for the losses that you cause to others while driving. When you have insurance, you can be sure that you are able to comply to this law. When you are taking out a loan for a car, your financing institution may require you to have insurance that will cover damage to your vehicle. The two most common types of coverage required by financial institutions are:
Collision Auto Insurance
This insurance coverage will cover the cost of repair for damage done to your vehicle in an automobile accident. The standard collision coverage will pay for any repairs up to the fair market value of the car. Usually, you will also have a deductible to pay. This is the amount of money that you pay toward repairs before your collision insurance even kicks in. When you sign up for a high deductible, you will pay a lower premium for your collision coverage.
Comprehensive Car Insurance (Other than Collision)
Comprehensive and collision insurance are very similar. Comprehensive insurance will cover damage that is done to your vehicle by any type of unknown party or natural occurrence. Your comprehensive car insurance will cover vandalism, flood, hurricane, theft, windshield damage and fire. Just like collision, comprehensive insurance will compensate you up to the fair market value of your car. When you are financing your car, your loan may require that you have comprehensive insurance.
We realize that each person is unique and each person will require a unique insurance policy. Talk to us today to figure out what the best insurance policy will be for you.
Our Office Is Located At:
33434 8th Ave S. suite 102
Federal Way, WA 98003