Washington Car Insurance Quotes

You’re ready to put on your Seattle Tuxedo (flannels and jeans) and drop the kids off at school and head to your now RTO job. But you can’t even set foot behind the wheel of your ride without affordable car insurance coverage.

When it comes to auto insurance in Washington, Vern Fonk knows more than just about anyone. After all, we’re a second-generation insurance company, with thousands of satisfied insurance clients throughout the Northwest. We use our auto insurance knowledge to provide our customers with unparalleled service and the lowest rates.

So before you hit I-5, listen up. At Vern Fonk, we specialize in providing cheap car insurance to drivers in Washington. Whether you’re a perfect driver or have a less-than-perfect driving record, we’re here to provide amazing coverage at prices you’ll have to see to believe.

At Vern Fonk, we try to respect your time, and we know you are busy than a one-armed lumberjack. That’s why getting car insurance quotes is so easy. It just takes a few clicks and you are in.

Step one is to fill out the online form. Step two is to talk to our representative about car insurance options. And step three is to choose the right coverage.

Sounds simple, right? We could always add step four: be amazed at how much money you’re now saving on your car insurance.

We focus a lot on saving money on your monthly premium. And that’s because our customers typically come to us complaining that they are paying too much for car insurance from their old carriers.

It’s time to kick those carriers to the curb and come over to the VF side. In Washington, the average full coverage car insurance cost is $117 a month. That’s a bit cheaper than  the national average cost of $168 per month. If you can get away with the basics and only pay for liability, you’ll be looking at around $43 every month.

The good news is you don’t have to suffer from FOMO: You too can get even lower rates for your car insurance from Vern Fonk.

So, what do all those numbers mean anyway? Let’s break down the legal mumbo-jumbo on what exactly 25/50/10 means.

In Washington, the state requires every driver to carry a minimum amount of liability insurance in case they cause a wreck. This insurance helps pay for any injuries and damages that result. In the Evergreen State, everyone must carry at least:

• $25,000 to help pay for any bodily injury or death they cause to one person in an accident
• $50,000 to help pay for any bodily injury or death they cause to more than one person in an accident
• $10,000 to help pay for property damage in an accident

So your monthly premium is what you pay to your insurance company and, in return, if you cause an accident, your insurance company comes up with the above amounts.

But here’s the hard truth. Let’s say you’re cruising to Café Campagne to meet up with your bestie for lunch and, as usual, it’s raining. Suddenly your car starts to hydroplane and you crash into someone’s new Lexus. With today’s over-the-top repair bills, it’s probably going to cost more than $10,000 to repair the damage to the Lexus. And if the driver or their passengers are badly hurt, their medical bills may be more than $50,000 combined. And what about all the damage to your own whip?

The sad truth is that anything over your policy limits, plus all of your own damages and injuries, are going to come out of your pocket. Ain’t nobody got time for that!

This is why many drivers increase their liability amounts or go for full coverage, which offers protection for your own damages even if you are at fault. After all, you need your car to get around and hit the office, now that WFH is over *shakes head*.

So, who is Vern Fonk? Put simply, we are a second-generation insurance company that has built up many years of insurance experience. And over the years, this has led to thousands of satisfied customers spread all across Washington.

At the end of the day, Vern Fonk sees you as more than just a customer. You’re our neighbor, and we have a duty to keep our neighbors safe.

Earlier, we touched on the fact that our specialists can recommend the right coverage to meet your needs. And you should know that whatever your needs are, we have a full range of coverage.

For example, we have the liability insurance required as minimum coverage in most states. But we also offer collision and comprehensive coverage that helps to protect your vehicle from other unforeseen consequences.

These are the three primary types of coverage, and getting all three means you have what is known as “full coverage.” But we also offer other types of insurance to meet your very unique needs.

Sometimes, those with DUIs or other traffic incidents in their record may be required to get an SR22. This means the person has been branded as a “high-risk” driver and it can be very difficult to get affordable insurance.

Fortunately, this is where we come in! Vern Fonk specializes in high-risk insurance. Even if you have a record that is far from perfect, we can get you the coverage you need at the most affordable rates in the area.

And one of the ways we offer great rates is through our special discounts.