Auto Insurance

If you’ve opened your renewal notice lately, you’re not seeing double. Auto insurance rates have climbed significantly over the past few years. Many drivers are paying more than they should, simply because they don’t realize how many options they have.

That’s where Mark Weedin Insurance come in. As an independent insurance agency, we’re not locked into one carrier’s rates or products. We compare your options across multiple insurance companies to find the coverage that fits your vehicle, your history, and your budget.

What Your Auto Policy May Include

The right auto insurance policy depends on what you drive, how you drive, and what you can’t afford to be without. Below are the core coverage types we’ll walk you through — and help you decide what level of each actually makes sense for you.

Liability — Covers injuries or property damage you cause in an accident. Required in Washington, Oregon, and Arizona — but state minimums often aren’t enough to fully protect the average driver.
Collision — Pays to repair or replace your vehicle after an accident, regardless of who was at fault.
Comprehensive — Covers damage from non-collision events (i.e. theft, weather, falling objects, and more).
Uninsured/Underinsured Motorist — Protects you when the other driver doesn’t have adequate coverage. More common than most people expect.
Personal Injury Protection (PIP) — Covers medical expenses and lost wages for you and your passengers after an accident, regardless of fault.
Roadside Assistance & Rental Reimbursement — Optional add-ons that cover towing, jump-starts, flat tires, and a rental vehicle while yours is being repaired.

When Should You Review Your Auto Insurance Policy?

Most people set up their auto insurance and don’t think about it again until the bill arrives. But your policy is only working for you if it still reflects your life — and life has a way of changing faster than your coverage does.

As a general rule, auto insurance is worth a review once a year. But there are specific moments that should prompt a closer look sooner:

You bought or leased a new vehicle — Your current policy may not carry over automatically, and a new car often warrants a different level of coverage.
You added a driver to your household — A teen driver, a spouse, or a new roommate sharing your vehicle can significantly affect your rate and your risk.
Your mileage changed significantly — Working from home, a new commute, or a move can all affect what you’re paying and what you should be covered for.
You received a renewal with a rate increase — A jump with your renewal is one of the clearest signals to shop around. Carriers adjust rates constantly — what was competitive last year may not be now.
Your vehicle’s value has changed — Older vehicles may no longer need comprehensive or collision coverage. Newer ones may need more than you currently carry.
Your financial situation shifted — A change in income, assets, or liabilities can affect what liability limits make sense for your situation.
You can’t remember the last time you looked at it — If you’re not sure what you’re paying for or when you last made a change, that’s reason enough. A policy review is quick and easy.

We make it easy to review your auto insurance policy. Give us a call or send us a message and we’ll take a look at what you have — and whether we can find you something better.

Real people. Real savings.

“Do you want to understand what your insurance coverage means and how it is working for you? Mark managed to explain certain coverages to me that I fully understood AND the quotes were all good deals! Give them a call to see if you are paying for things you don't need and if you are covered for what you DO need!”

“This agency, particularly Kari, is super friendly and easy to deal with my ever changing needs. In a world where one has so many choices for anything, service is everything. This is what stands out with this team."

“Kari Moore is simply the best! Always helpful and takes the time to ensure our needs are met! Appreciative to have such a valuable insurance rep!"

“Mark is the man! We use him for our business, commercial, auto, and other insurance products. He’s quick, cares about saving us money, and makes sure we are fully insured on everything correctly. Recommend him for any commercial or personal insurance needs.”

“After experiencing a catastrophic event with my home, the coverage was exceptional. My praise goes out to Judy Larson who provided excellent personal service when I required additional coverage on a new property. Her overall knowledge and willingness to help far exceeded my expectations.”

“Sending an abundance of appreciation for agent, Kari Moore, for her assistance, knowledge, and patience in having solutions in writing my car insurance policy. Definitely recommend.”

“Mark Weedin and Judy Larson are absolutely amazing! From start to finish, they made the entire insurance process simple, smooth, and stress-free. Their knowledge, professionalism, and genuine care for their clients truly stand out.”

“From the moment I filed my claim, their customer service was prompt, professional, and incredibly helpful. They kept me informed every step of the way, and my claim was resolved much faster than expected. It’s rare to find a company that combines efficiency with genuine care, but they truly delivered.”

“Unfortunately, my mother let her homeowners insurance lapse. Judy was extremely helpful getting my mother’s house insured in a timely fashion. Thank you so much for your help.”

Still Paying Last Year's Rates?

You might be surprised what’s out there. Let’s take a look.

Frequently Asked Questions

Not sure where to start?

Get answers from our team.

How is an independent agency different from going direct?

When you buy directly from a single carrier, you only see that company’s options. As an independent agency, we compare rates across multiple carriers to find what actually fits — in price, in coverage, and in service. More options, same amount of effort on your end.

What types of coverage are included in an auto insurance policy?

Auto insurance is actually a bundle of different coverage types, and most policies let you choose which ones you carry and at what limits. At minimum, you’ll need liability coverage to drive legally in Washington, Oregon, and Arizona. From there, you can add collision and comprehensive to cover your own vehicle, personal injury protection (PIP) for medical expenses, and uninsured/underinsured motorist coverage for situations where the other driver can’t cover the damage they caused. Optional add-ons like roadside assistance and rental reimbursement round out the picture. We’ll walk you through each one and help you decide what combination is best for your situation.

Do I really need more than the state minimum?

State minimums keep you legal — not necessarily protected. If you’re in a serious accident and your liability limits fall short, you could be on the hook for the difference out of pocket. We’ll help you figure out what’s actually appropriate for your situation, not just what’s required.

Can you help if I have accidents or tickets on my record?

Yes. Carriers weigh driving history differently, and being with the wrong one can cost you. We work across multiple companies and can often find competitive options, even if your record isn’t perfect.

How often should I review my auto insurance coverage?

At least once a year — and any time something changes. New car, new driver on the policy, a move, or a big rate increase are all good reasons to take another look. We’ll flag it if we think we can do better.