Best cheap car insurance quotes in Cheney
All Cheney drivers must purchase minimum coverage car insurance for liability to the amount of 25/50/10. This is Washington state’s minimum
for car insurance requirements and it applies to all drivers in the state. This minimum coverage includes property damage liability and bodily injury liability coverage. While you’ll get the cheapest rate by opting for minimal coverage, it doesn’t give you much protection in the event of an accident. Cheney drivers should choose full coverage to cover repair costs for their own vehicles.
Cheap minimum liability insurance quotes in Cheney
Let’s take a closer look at the required liability auto insurance coverage
for Cheney drivers: $50,000 per accident of bodily injury liability coverage
Remember, these are the bare minimum levels of liability coverage. Every Cheney driver needs to meet—or exceed—these thresholds for liability coverage.
Jerry has helped a lot of Cheney drivers find affordable liability coverage—see the table below for real prices.
Coverage
State Minimum
Cheney, WA
(Zip Code: 99004) Coverage
State Minimum
Cheney, WA
(Zip Code: 99004) Coverage
State Minimum
Cheney, WA
(Zip Code: 99004) Coverage
State Minimum
Cheney, WA
(Zip Code: 99004) GMC Yukon Coverage
State Minimum
Cheney, WA
(Zip Code: 99004) Do you need more than minimum coverage in Cheney?
Choosing 25/50/10 coverage won't break any laws, but higher limits provide better protection for Cheney drivers who get into an accident.
Imagine the costs involved after a major crash: medical expenses, car replacement fees, and potential lawsuits that could amount to hundreds of thousands of dollars. Your minimum coverage may not cover all these expenses, leaving you financially liable.
Ultimately, Cheney drivers should get as much liability coverage as they can afford—especially because the added protection may not be as costly as you think.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Cheney
Full coverage
is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.A full coverage policy in Cheney includes comprehensive
and collision coverage
. Collision coverage: If you get into a collision—with a mailbox or another vehicle—this coverage will pay for the damage.
Comprehensive coverage: If your vehicle suffers non-collision damage—like dents from hail , vandalism, or theft—this coverage will kick in.
Be aware that you might be required to have full coverage if you own a financed vehicle
. Lenders wish to protect their investment, so they often require this extra coverage. Check with your lender before you start shopping for insurance. Take a look at real sample costs for full coverage insurance policies in Cheney.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $102 | | Honda CR-V EX |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $99 | | Honda Civic LX |
• 50,000/100,000 Liability • Comp / Collision | Dairyland | $276 | | BMW 320 i |
• State Minimum Liability • Comp / Collision | The General | $133 | | Hyundai Elantra GLS |
Last Updated Oct 8, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.