7 Companies That Offer Mechanical Breakdown Insurance in Washington
If you are looking for mechanical breakdown insurance in Bellingham, there are several companies that provide coverage. Mechanical breakdown insurance (MBI) helps cover the cost of repairs to your vehicle if it experiences a mechanical failure due to normal wear and tear. Here is a list of 7 companies that offer MBI in Bellingham Washington:
- Allstate - Allstate offers MBI plans with deductibles ranging from $25-$500 depending on the coverage selected and the make and model of your car. The plans also provide protection against parts or components that become defective due to normal use over time.
- Farmers Insurance - Farmers provides MBI policies through its Drive Saver plan which covers up to the actual cash value of your vehicle and includes coverage for towing, rental car reimbursement, and trip interruption expenses.
- GEICO - GEICO offers its Mechanical Breakdown Insurance that is available for vehicles up to 10 years old with a maximum of 125,000 miles. The policy covers parts such as the engine, transmission and drive axle assemblies plus many other components.
- Liberty Mutual - Liberty Mutual's Smart Choice Auto Repair Plan offers mechanical breakdown protection with customizable options such as coverage limits up to $7,500 per claim and roadside assistance options like gas delivery or tire change services.
- MetLife Auto & Home - Met Life provides MBI policies through its First Class Premier plan which covers repairs of most major components, towing, and loss of use costs.
- Progressive - The Progressive MBI plan includes a roadside assistance program with coverage for flat tire changes, jump-starts, lockouts and more. It also provides rental car reimbursement if your vehicle is in the shop for an extended period of time.
- USAA -USAA offers MBI protection through its Mechanical Breakdown Coverage that covers both parts and labor costs on repairs due to mechanical failures or defects in materials or workmanship. This policy is only available to members of the military or their families who meet eligibility criteria.
These 7 companies can provide Washington residents with various levels of coverage for mechanical breakdowns on their vehicles so you can find one that meets your needs. Be sure to read the details of each policy carefully before making a decision.
It may help your shopping experience to compare the rates of other cities by zip code such as 07201, 98030, 27834, 93063, 27215, 95050, 37601, 80301, 98225, and 72901.
4 Purposes of Temporary Car Insurance in Washington
Temporary car insurance in Bellingham offers an effective way to cover your vehicle for short periods of time. Whether you need temporary coverage due to a gap between policies or simply because you've rented a vehicle, here are four common purposes of temporary car insurance in Bellingham Washington.
- Gap Coverage — Temporary car insurance can be used to fill the gap between two existing policies when switching insurers or renewing existing policies. This ensures that you won't have any lapse in coverage during the transition period, which is especially important for Bellingham drivers who must maintain certain minimum liability requirements by law.
- Rental Car Insurance — The cost of rental car insurance from traditional companies often adds up quickly and doesn't provide the same level of coverage as a standard policy. Temporary car insurance can be the perfect solution for Bellingham renters who need comprehensive and affordable coverage during their travels.
- Business Vehicle Insurance — Bellingham businesses often require additional insurance to cover vehicles used for business purposes, such as delivery vans or company cars. Temporary car insurance provides an easy way to bridge the gap between policies or cover vehicles that don't normally qualify for traditional policies.
- Vacation Protection — Bellingham drivers often find themselves in need of temporary coverage when taking lengthy road trips or vacations outside of their home state. With temporary car insurance, you can easily obtain short-term protection and avoid any gaps in coverage while away from home.
Whether you're in Bellingham for a few days or several months, temporary car insurance can be an effective solution to bridge the gap between policies and provide protection while away from home. Finding the right coverage is easy with a few simple steps. To learn more about Washington's minimum liability requirements and how to find the best rate for your temporary car insurance needs, contact an experienced agent today.
4 Reasons You Would Need a Full Coverage Auto Insurance Policy in Washington
Washington is a state that comes with its own set of unique driving laws. In order to comply with these laws, it may be necessary for Bellingham drivers to purchase a full coverage auto insurance policy. Here are four reasons why Bellingham drivers may need to invest in this type of policy:
- Liability Coverage - Washington requires all drivers to have liability coverage; this pays for damages or injuries resulting from an accident you cause. A full coverage policy provides more robust protection than the minimum liability required by law.
- Collision Coverage - This covers damage done to your car if you get into an accident, regardless of who is at fault. Washington requires all cars on the road have some form of collision coverage, so purchasing a full coverage policy can provide you with more comprehensive coverage.
- Comprehensive Coverage - Washington doesn't require comprehensive coverage, which covers damages from non-accident events such as theft and vandalism. However, it is a common option included in full coverage policies, so investing in one may be the best way to ensure you're protected in case of any unforeseen events.
- Uninsured Motorist Coverage - Washington requires all drivers have uninsured motorist coverage, which pays for damages if you get into an accident with someone who does not have insurance or enough insurance to cover your costs. A full coverage policy will usually come with higher limits than what Washington requires by law, giving you better protection should something like this occur.
10 Worst Used Cars to Buy in Washington
Are you looking to buy a used car in Bellingham? Before you make your purchase, it's important to do your research and avoid cars that are known for having frequent problems. Here is our list of the 10 worst used cars to buy in Washington:
- Volkswagen Passat: This vehicle has had numerous engine and transmission issues reported by Bellingham drivers.
- Ford Focus: This model has poor fuel economy and frequent electrical system breakdowns.
- Chrysler Sebring: Powertrain problems plague this sedan from the 2008-2010 models.
- Hyundai Elantra: Earlier models (2006-2009) were affected by severe brake failure issues due to a faulty caliper design
- Dodge Avenger: This vehicle has poor reliability and questionable build quality.
- Kia Soul: Engine issues have been reported by Bellingham drivers, particularly due to insufficient oil changes and maintenance.
- Nissan Versa: Poor fuel economy, transmission problems, and other engine-related issues plague this vehicle.
- Chevrolet Malibu: Bellingham drivers report that the electrical system in these vehicles tends to fail prematurely.
- Honda Accord: The 2005 model year saw a spike in airbag failure reports from Bellingham drivers.
- Toyota Corolla: Problems with the engine and transmission are common for models from 2003-2007.
10 Best New Cars to Lease in Washington
Living in Washington state can be a dream come true. With its breathtaking scenery, vibrant cities and friendly people, Bellingham WA has much to offer the car enthusiast. From the iconic Pacific Coast Highway to the rugged Cascade Mountains, Washington is home to some of the most beautiful drives in the country. But which cars should you choose for your Washington adventures? Here are 10 of the best new cars to lease in Bellingham Washington:
- Honda Accord - The Honda Accord is one of the most reliable sedans on the market and is perfect for cruising around Washington's highways and byways. It offers plenty of space, great fuel economy, and a comfortable ride.
- Subaru Forester - This SUV has plenty of room for outdoor gear, making it ideal for Washington's renowned outdoor adventures. The Subaru Forester is perfect for tackling Washington's rugged terrain and offers plenty of style and comfort.
- Toyota Camry - This reliable sedan has been one of the top-selling cars in Washington state for years and provides a comfortable ride with excellent fuel economy. It's a great choice for commuting around Washington's cities.
- Mazda CX-5 - If you want an SUV that looks great, drives well and is packed with technology, then the Mazda CX-5 is the perfect car for Bellingham drivers. With its stylish exterior, roomy interior and sporty handling, it's sure to turn heads.
- Nissan Altima - This sedan is perfect for Washington's highways and byways, providing a comfortable ride with plenty of room for passengers. It offers excellent fuel economy and has been one of Washington's top-selling cars for years.
- Ford F-150 - Bellingham drivers looking for an American-made truck should consider the Ford F-150. With its powerful V8 engine and rugged build, it's great for tackling Washington state's back roads and trails.
- Toyota RAV4 - This SUV is a great choice for Bellingham drivers who need something with plenty of cargo space but don't want to compromise on fuel economy or style. The Toyota RAV4 is packed with features and offers a great value for Bellingham drivers.
- Chevrolet Malibu - Bellingham drivers who want an affordable midsize sedan should consider the Chevy Malibu. With its comfortable interior, roomy cabin and excellent fuel economy, it's perfect for Washington roads.
- Subaru Outback - This wagon is perfect for Washington families who need plenty of cargo space but still want style and performance. The Subaru Outback offers plenty of room, great fuel economy, and has been one of Washington's top-selling cars for years.
- Jeep Grand Cherokee - If you want something that can handle Washington's rugged terrain while offering comfort and luxury, then the Jeep Grand Cherokee is the perfect choice. With its powerful V8 engine and luxurious interior, it's certain to make Bellingham adventures even more enjoyable.
10 Most Popular EV Cars to Rent in Washington
Washington is fast becoming a hotspot for electric vehicle (EV) rentals. With its vast network of highways, it's the perfect place to explore and experience the freedom of driving an EV car. From luxury SUVs to family-friendly cars, here are 10 of the most popular EVs available for rent in Washington:
- Tesla Model S - This fully electric sedan offers up to 315 miles of range on a single charge, perfect for Washington road trips. It also features plenty of advanced technology, including Autopilot, which automatically maintains your speed and lane position when cruising on the highway.
- Audi e-tron - The Audi e-tron is a luxurious all-electric SUV with an impressive range of up to 204 miles. Inside, you'll find state-of-the-art tech like a 7-inch touchscreen display and voice control.
- Nissan Leaf - The Leaf is a great option for Washington's city drivers thanks to its zero emissions and efficient electric motor. It provides an exceptional range of up to 150 miles on a single charge and comes with advanced safety systems as standard.
- Kia Soul EV - This all-electric compact SUV offers impressive performance in Washington's tight city streets, along with plenty of cargo space for your belongings. It also has a very long range of 243 miles on a single charge.
- Chevy Bolt EV - With its roomy interior and long driving range of up to 259 miles, the Bolt EV is perfect for Washington's long-distance trips. It also features advanced driver-assist technologies like lane keep assist and adaptive cruise control.
- BMW i3 - This sporty electric hatchback offers an impressive range of up to 153 miles on a single charge, along with a variety of tech features such as BMW Remote Services which allow you to monitor your vehicle remotely.
- Ford Focus Electric - This all-electric sedan provides Bellingham drivers with an efficient ride thanks to its zero emissions and quiet electric motor. It also has a very impressive range of 115 miles per charge.
- Hyundai Kona Electric - The Kona Electric is another great option for Washington's city drivers. It provides up to 258 miles of range on a single charge and features advanced driver-assist systems like autonomous emergency braking and lane keep assist.
- Volkswagen e-Golf - This all-electric hatchback offers Bellingham drivers an efficient ride with zero emissions and a remarkable range of up to 125 miles per charge. The interior is also loaded with tech features such as Apple CarPlay and Android Auto compatibility.
- Fiat 500e - The 500e is the perfect choice for Washington commuters looking for an efficient car with plenty of style. It's powered by a zero emissions electric motor with a range of up to 84 miles, along with advanced safety systems like rear cross traffic alert and blind spot monitoring.
Top 5 Car Rental Apps in Washington
Bellingham is home to some of the best car rental apps available. In this article, we'll explore the top five car rental apps that Washington residents use for their transportation needs. From budget-friendly options to luxury rentals, we've got it all covered!
- Zipcar - Zipcar is a great option for Washingtonians looking for an easy car rental experience without the hassle and costs associated with traditional rental companies. With Zipcar, you can pay through your phone or online and pick up your vehicle from various convenient locations throughout Washington DC. You also get access to discounts, deals and other special offers.
- Enterprise Rent-A-Car - Enterprise is one of Washington's most popular car rental companies, offering affordable rates and a wide selection of vehicles. With Enterprise, you can pick up your vehicle from any location within the Washington DC metro area and take advantage of their various discounts and loyalty programs.
- Luxe - Luxe is Washington's premier luxury car rental provider. With Luxe, you can rent high-end cars such as BMWs, Mercedes-Benz, Jaguars, and more at competitive prices. You also get access to special offers on select vehicles and other benefits like round-the-clock roadside assistance.
- Washington Car Rental - Washington Car Rental is another great option for Washingtonians looking for an easy car rental experience. Washington Car Rental offers competitive rates, exclusive discounts and a wide selection of vehicles to choose from. You can also benefit from 24/7 customer service and roadside assistance.
- DriveNow - DriveNow is Washington's premier car sharing service, offering flexible rental periods with no long-term commitment or contracts required. With DriveNow, you can rent cars by the hour or day and get access to exclusive discounts on select vehicles. You also get unlimited mileage, 24/7 roadside assistance and a range of other benefits.
Top 4 Road Trips in Washington
Washington is one of the most beautiful states in the United States and offers a wide variety of road trip options. Whether you're looking for adventure or relaxation, Washington has it all. Here are four of the best road trips Washington has to offer:
- Seattle to Vancouver Island - This scenic journey takes travelers through Washington's Olympic Peninsula and over the Strait of Juan de Fuca before arriving at Canada's Vancouver Island. Along the way, travelers can enjoy breathtaking views, rainforest hikes, and some of Washington's finest seafood dishes.
- Cascades Loop - Starting from Seattle, this loop drive circles around Washington's Cascade Mountains and includes stops in charming mountain towns like Leavenworth and Winthrop. This trip is perfect for anyone looking to experience Washington's natural beauty, as it offers access to majestic mountain passes and stunning lake views.
- North Cascades Highway - This route takes travelers along Washington's northern border with Canada, providing breathtaking mountain scenery and opportunities to explore the Skagit Valley and its many attractions. With its wide variety of activities, from bird watching to hot springs soaking, this road trip is sure to provide an unforgettable experience.
- Washington Coast Adventure - This coastal drive begins in Seattle and winds down Washington's Pacific coast before heading inland towards Mount Rainier National Park. Along the way, visitors can enjoy stunning beach views, expansive forests, lush valleys, and the majestic Washington Coast Range. This road trip is perfect for anyone looking for a unique blend of relaxation and adventure.
5 Companies That Will Insure an Uber or Lyft in Washington
When it comes to getting insurance for a car that you're using as an Uber or Lyft in Bellingham, there are several companies offering coverage. Here are five of the most reputable providers that have policies available in Washington:
- GEICO - GEICO offers specialized coverage for Bellingham rideshare drivers such as personal liability, contingent comprehensive and collision, and uninsured motorist coverage. They also provide discounts for Washington residents who qualify.
- Allstate - Allstate provides ridesharing insurance options specifically tailored to Washington state laws, which include bodily injury and property damage liability, contingent comprehensive and collision, and underinsured/uninsured motorists coverage.
- State Farm - State Farm specializes in providing auto insurance for Washington state Uber and Lyft drivers, with various coverage options including liability protection, uninsured motorist bodily injury and property damage, and contingent comprehensive and collision.
- Liberty Mutual - Liberty Mutual offers a number of different types of auto policies that are tailored to Bellingham Washington Uber and Lyft drivers, including personal liability coverage, as well as minimum limits for certain types of coverage.
- Farmers Insurance - Farmers Insurance also provides ridesharing insurance in Washington which includes personal liability coverage, contingent comprehensive and collision, underinsured/uninsured motorist coverage. They offer customizable plans so customers can pick the perfect policy for their needs.
Top 10 Driving Infractions and Their Associated Insurance Increases in Washington
Bellingham drivers face a variety of traffic infractions with an associated increase in insurance rates. Each violation carries its own degree of severity that impacts the overall cost of your car insurance policy. Here are the top 10 driving infractions and their associated increases in Washington:
1) Speeding - A speeding ticket in Washington can result in an average rate increase of up to 30% on your policy.
2) Reckless Driving - Washington law considers reckless driving to be a more serious offense than normal speeding, and it is punished accordingly with an average rate hike of 45%.
3) Careless Driving - Fines for careless driving can range from $250 - $1000 and come with an estimated 41% increase in car insurance premiums.
4) Failure to Obey Traffic Signals or Signs - Washington drivers who fail to obey traffic signals and signs can see an average increase of 38% on their insurance rates.
5) Driving Without Insurance - Washington requires that all motorists carry a minimum amount of liability coverage. Drivers caught without insurance face license suspension, fines, and a 50% increase in car insurance premiums if they are able to reinstate their policy.
6) Texting While Driving - Washington has banned the use of hand-held devices while driving, and offenders can expect a 39% premium hike.
7) DUI/DWI - Washington law considers this offense as one of the most serious traffic violations and offenders will experience an average increase of 140% on their insurance policy.
8) Driving Under the Influence of Drugs or Alcohol - Washington has some of the strictest laws regarding driving under the influence of drugs or alcohol, and offenders can expect a hefty increase in car insurance premiums with an average rate hike of 95%.
9) Hit & Run - Washington law requires that all motorists report any incidents involving property damage, injury, or death. Failing to do so is considered a hit and run offense and will lead to an estimated 33% insurance rate increase.
10) Driving With a Suspended License - Washington takes this offense very seriously and drivers caught behind the wheel when their license has been suspended face fines, jail time, and an average increase of 45% on their car insurance premiums.
5 Credit Score Categories and Their Average Insurance Rates in Washington
Understanding your credit score and what it means for your insurance rates is an important part of being a responsible consumer. Washington has five categories that classify credit scores, ranging from Very Poor to Exceptional. Each category carries its own average insurance rates which affect how much you pay for coverage.
- Very Poor Credit: A score falling between 300-579 is considered very poor in Washington and carries some of the highest average insurance rates in Washington state. If you fall into this category, expect to pay upwards of 20% more for car insurance than the Washington state average.
- Fair Credit: Fair credit falls between 580-669 and carries slightly lower average car insurance rates than very poor credit scores, with expected increases around 15%.
- Good Credit: Good credit scores lie between 670-739 and Washington drivers with this rating can expect their rates to be around 10% higher than the Washington state average.
- Very Good Credit: Drivers in Washington that have very good credit, ranging from 740-799, will see some of the most favorable insurance rates. Expect only 5% or so more than the Washington state average for car coverage if you fall into this category.
- Exceptional Credit: Washington residents who have a score of 800 or above are considered to have an exceptional credit score and should experience minimal increases in their insurance payments. Anything around 5% or lower is typical.
Having a good understanding of your credit score and how it affects your Washington car insurance rates is an important part of being a responsible driver. Knowing the average insurance rates for Washington drivers can help you make smart decisions about your coverage and savings.
Going with a National Company vs a Local Broker or Agent in Bellingham
Choosing between a national insurance company and a local Bellingham agent or broker for the best deal can be a nuanced decision, largely dependent on your individual needs and circumstances. National insurance companies have their advantages. They typically offer a wider variety of products and services, and may provide discounts for bundling different types of insurance such as auto, dwelling, and life. These companies usually have extensive customer service departments, often available 24/7, and their digital platforms for quotes, policy management, claims, and payments are usually quite comprehensive. However, the trade-off might be less personalized service. Since you're more likely to deal with different customer service representatives each time, building a relationship with your insurer could be more challenging. Additionally, national insurers may not fully comprehend the specific insurance needs and risks of your local area in Bellingham.
On the other hand, local Bellingham agents and brokers can offer more personalized service and the opportunity to build a longstanding relationship. They can guide you through the intricacies of insurance policies, assist with claims, and are generally more attuned to the particular risks and insurance needs of your locality. Brokers, representing multiple insurance companies, are in a position to shop around for the best deal for you. To get an idea of how much rates can vary by zip code you could compare ones such as 19640, 20331, 08010, 08201, 56345, 15538, 75751, 68716, 98225, and 49971. However, their range of products may not be as wide as national insurers, and their operating hours might not be as flexible. Also, customer service may not be available round the clock. In terms of digital accessibility, their platforms may not be as user-friendly or feature-rich as those of larger, national companies.
In conclusion, the better option is largely dependent on your preferences. If a personal relationship and local Bellingham expertise is valued, a local agent or broker could be your best bet. Conversely, if you prefer the convenience of digital tools, round-the-clock customer service, and a broader range of products, then a national insurance company might be the right choice. It's always prudent to compare quotes from different sources before making a decision.