Broad Form Insurance Near Spokane WA

Broad Form Insurance Near Spokane, WA

Like all other types of car insurance coverage your rate depends on risk factors such as your age and driving record. Each company weights these factors differently so it is important to shop around to find the company that “likes you” the most.

Luckily we can do the work for you, getting a BroadForm quote from each of the companies and giving you the choice of picking the company that offers the best payment plan for you.

If you are interested in getting a broad form insurance policy or just want a quote, call us or fill out the quote request form. One of our licensed insurance professionals will be glad to answer any questions you have and find you a great rate.

What Is BroadForm Insurance in Spokane WA? —

Broad Form Insurance, unlike regular car insurance, is insurance to cover a specific driver rather than a specific car. You pay the same amount whether you drive one, four, or twelve cars. You don’t even need to call in when you buy, sell, or trade cars, because your cars are not listed on your policy.


BroadForm Insurance is an inexpensive way to meet the Washington state liability insurance requirements to drive legally in Spokane whether or not you own a car. And best of all, instant proof of insurance can be emailed to you immediately! We also have Broad Form Motorcycle Insurance available.

What Does BroadForm Insurance Cover in Spokane WA?

Liability Insurance to pay for bodily injury and property damage suffered by others if you were at-fault for the accident.
Personal Injury Protection to pay for the medical bills of you and your passengers no matter who was at-fault.
Uninsured Motorist to pay for bodily injury and property damage to you, your passengers, and your car if the other driver is at-fault but does not have insurance.

You may have noticed that Comprehensive and Collision coverage, aka Full Coverage, are not available on Broad Form policies. Therefore, unless the other driver is at-fault, your car would not be repaired or replaced if you are in an accident.

FYI, personal injury protection and uninsured motorist coverages are not required in Washington state and may be declined but we recommend you protect yourself by having these coverages.

An SR-22 may also be added to your BroadForm Insurance policy if your license was suspended and you need to show the Department of Licensing you have insurance.

Broad Form Insurance Near Spokane WA

Can You Get Drivers License Insurance in Spokane?

Yes, drivers license insurance (aka broadform insurance) insures you to drive almost any car instead of insuring specific cars. A drivers license insurance policy is officially called a Broad Form Insurance Policy. It provides coverage for any personal use vehicle, owned or non-owned, that fits within the definitions of the policy. For example, if you were to borrow your friend’s uninsured car, you would be insured. Your broad form insurance policy will not protect the person who lent you their vehicle.

So, whether you own a car or not, you can insure your drivers license and be insured to drive any car!

Is Broad Form Cheaper in Spokane?

Broadform can be used as a bare-bones, cheap option for a driver to drive legally and meet Washington state’s minimum liability requirements. Because you are the only one covered to drive, the company does not have to worry about paying for an accident if you happen to lend your car to someone. The rates for a broadform policy are, therefor, usually cheaper than a regular, single car, policy.

If you want to protect your passengers and yourself, Uninsured Motorist and Personal Injury Protection (PIP) Medical can also be added to a broadform policy (just like a regular policy).

Are SR22s Available on a BroadForm?

SR22s can be added to a broad form because a broadform policy satisfies Washington state’s statutory car insurance requirements. Therefore an SR22 filing can be added to a broad form policy so that you can get your license unsuspended.

If you have vehicles insured by a preferred insurance company and want to avoid getting canceled or having your rate increase if they find out you need an SR-22 endorsement, you can purchase BroadForm SR22 insurance and keep it separate from your current preferred insurance.

Mid-Columbia Insurance: Your Spokane WA Broad Form Insurance Specialists

Want to drive legal for less? You can! Call Mid-Columbia Insurance today at (509)783-5600 to speak to a friendly licensed insurance agent and get a Broad Form Insurance quote for Spokane WA.