We insure cars, vans, trucks, classics, antiques, and exotics. Tickets, accidents, teens, or an SR22? No problem. To offer the most competitive premiums, we offer several discounts, including good student, defensive driver, usage, and discounts based on occupation, college degree, and military service.
Whether it's your pride and joy, or just a way to get from point A and B, we have a policy for you!
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Click below to see how we have been exceeding expectations for over 20 years.
Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Protects you financially if you were to hurt someone or damage their property (usually their car). If you run out of coverage, your assets (including the equity in your home) and future earnings are put at risk. We recommend limits of at least $250,000 per person, $500,000 per occurrence, and $100,000 for property damage. This would cover the vast majority of accidents, and help to prevent a situation where you run out of coverage and must pay out of pocket.
Provides coverage for your vehicle and for medical expenses, lost wages, and pain & suffering if you were hit by someone that was uninsured or underinsured. Estimates are that about one in five drivers in Washington are uninsured, and many more are underinsured (carry low coverage limits.) You might have good health insurance, and you might even have disability insurance, but it is rare for someone to have coverage for pain and suffering outside of an auto insurance policy, and most would want ample compensation if they were, say, permanently disabled by an underinsured driver. We recommend bodily injury limits of at least $250,000 per person and $500,000 per occurrence. Property damage limits are based on the value of your most expensive vehicle.
PIP primarily covers medical expenses however, your medical expenses are already covered under your health insurance. There is also a wage replacement benefit of either $200 or $700 per week, but you may have disability coverage through work that offers more coverage. It is important to note that if you are struck by another vehicle, medical expenses and lost wages will be covered by their liability coverage or your underinsured motorist coverage. We consider this coverage to be optional for those with good health insurance, especially if they also have disability insurance.
Covers your vehicle for just about everything outside of a collision, including theft, vandalism, fire, falling objects, glass damage, and accidents with animals. Many choose a lower comprehensive deductible since these incidents are out of your control and comprehensive is relatively inexpensive.
Covers your vehicle after an accident. It is important to note that if you are struck by another vehicle, your vehicle should be covered by their liability coverage or your underinsured motorist coverage. Therefore you typically only pay your collision deductible if you cause the accident, and for that reason, many choose a higher deductible in order to lower the premium.
Pays for a rental car after an accident or your car is stolen (not if your car breaks down.)
Lock your keys out of your car? Run out of gas? Get a flat? Car break down? This is all covered by towing coverage.
If you did not make a meaningful down payment on that new car and are worried that any claim payout received after a total loss might not be sufficient to pay off the loan, gap coverage can be added to fill the gap between the market value of the vehicle after a total loss and the loan payoff amount.
With our easy process, you can rest assured knowing that you are getting the best value and most coverage for your dollar.
Collect the bare minimum information.
Present a quote, including all available discounts.
Offer recommendations to improve coverage or lower premium.
Bind coverage and provide insurance documentation.