Car Insurance
You could save an average of $530 by switching your auto insurance to Hoover Insurance NW. Get a quote or talk to an agent to find out how much you could save.
Auto insurance issued by Hoover Insurance NW
Can you get quality protection at an affordable price?
Everyone wants to keep their auto insurance costs down. At Hoover Insurance NW, we ensure you don't have to sacrifice peace of mind for a lower premium. By exploring our various discount opportunities, you can significantly reduce your rate while maintaining robust protection. We encourage combining multiple discounts to maximize your savings. Whether you drive a compact commuter car or a large SUV, we can help you find a budget-friendly solution that meets your needs.
Car insurance discounts & savings
Find discounts and more savings for auto insurance with Hoover Insurance NW.
Multi-policy discounts for bundling
You could save 10% or more by bundling home and auto policies, depending on where you live. Insure multiple cars on your policy for more potential savings.
Learn more about bundling and autoSafe Driver discounts
Drivers with a clean record and no recent accidents or violations can get discounts and savings on car insurance.
Learn about safe driver discountsMore car insurance discounts
Find discounts only available in your state and more ways to save on car insurance based on how (and where) you drive.
Learn about savings on car insuranceTypes of Auto Coverage
You have the flexibility to build a policy that fits your specific situation. If you're unsure about what each option entails or how much protection you need, our team is ready to guide you. Below are some of the most standard coverages available.
| Coverage | Definition | Example |
|---|---|---|
| Comprehensive coverage | Comprehensive coverage helps pay for losses or damage to your car caused by incidents like theft, vandalism, hail, wind, fire and more. | A sudden hailstorm cracks your car's windshield and dents your roof and hood. Comprehensive coverage can help when your car is damaged by something other than a collision. |
| Liability coverage | Required by law in most states, liability provides coverage for the cost of injury to others and damage to their car or property when you're at fault in an accident. | You cause a minor collision in rush-hour traffic. Another car is damaged, and the driver complains of neck pain. Liability coverage can help to compensate the driver for injuries and pay for repairs to the driver's car. |
| Uninsured and under-insured motorist coverages | Uninsured motorist bodily injury (UMBI) helps pay costs if you or your passengers are injured by the driver of an uninsured vehicle. Uninsured motorist property damage (UMPD) helps pay to repair your car if it is damaged by an uninsured vehicle. | You suffer minor injuries when another driver runs a red light and clips your car's rear fender. The other driver is at fault and doesn't have insurance. UMBI coverage can help pay costs associated with injuries when caused by an at-fault driver who does not have insurance. |
| Roadside assistance | If your car is disabled, roadside assistance coverage can provide 24/7 service and cover costs for things like towing, a tire change, locksmith service and jump starts. | You're on a family road trip to the beach when your car's battery dies. With roadside assistance, a service operator can meet you at your location to charge your battery, or it can help pay for the service to replace a battery. |
More coverage options
You can also add medical payments, rental car, rideshare, windshield repair/replacement and other specialty coverages. Learn about more types of insurance coverage.
Getting an auto insurance quote
What information do I need to get a car insurance quote? Have this information at your fingertips to help make the quote process quick and easy.
Drivers and household details
- Name and date of birth
- Address and phone number
- Driver's license number
- Household occupants (drivers and nondrivers), ages and driving history
- Commute, including how many miles, how often, what hours
- Current insurance information
Vehicle information
- Make, model, year
- License plate number
- Vehicle identification number (VIN)
- Current mileage/odometer reading
- Purchase date
- Loan or lease documentation (if applicable)
How to compare car insurance quotes
Start by requesting quotes for the same types of coverage, with the same limits and deductibles. For example, you can ask each insurer for a quote for your state's minimum liability coverage, plus collision and comprehensive coverages (up to the value of your car), and select the same deductibles for each quote.
A quote for a policy with lower limits, a higher deductible or less coverage may look more affordable, but it might not provide the coverage you want. The Insurance Information Institute suggests getting at least three quotes to help you find coverage at a cost that suits you and evaluating each company's reputation and rating, along with the cost of the policy.
Why choose Hoover Insurance NW?
We've spent years putting customers first — personalized attention is a hallmark of our experience.
The value of an insurance broker
Are you shopping for coverage? Ready to get an auto insurance quote? Maybe you have a question about a policy or need to file a claim. Be sure to let our agents deliver personalized service and support.
The ease of local claims
You'll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.
The experience of local insights
You'll probably have a few questions as you research insurance auto coverage. If you're not yet ready to speak with an agent, we may still have the answers you're looking for.
Why do I need car insurance?
In most states, you're required by law to have a policy that covers your state's minimum car insurance requirements for liability coverage. Keep in mind that accidents can be expensive, and the minimum coverage required may not be sufficient to cover your total costs from damage, injuries or lawsuits. If your car is under a loan or lease, the finance company typically will also require you to carry collision and comprehensive coverages to protect their interest in your car.
How much is car insurance?
Because risks and regulations vary by state, so do auto insurance rates. In addition to where you live and the type and amount of coverage you buy, details like how much you drive, your driving record and the type of car you drive also factor into the amount you pay for car insurance.
How to file an auto claim
You can file an auto insurance claim through our online portal, by logging into your account or calling a claims representative. Before you contact claims, it's helpful to have certain information at your fingertips for the car insurance claims process, including insurance and contact information for other parties involved, pictures of the damage, and a written account of the accident.
Frequently asked questions
Related articles
What Is Full Car Insurance Coverage?
A full coverage car insurance policy typically includes liability, uninsured/underinsured motorist, collision and comprehensive coverages.
What Exactly Is an Auto Insurance Deductible?
A deductible is the amount you're responsible for paying when you have a covered comprehensive or collision loss. Think of it as a copay — like you have with health insurance.
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