Automobile Insurance

For some people, a car is just a vehicle to get from point A to point B. To others, the car they drive is an extension of their personality and expresses the essence of their being. Either way, we offer a variety of coverages and companies to choose from to match your specific needs.

Depending on the company, many discounts are available to lower your auto insurance premium including: Discounts vary from company to company, and some may require the purchase of certain coverages. We'll review your options with you to find the company and coverage that are right for you.

• Good Driver Discount: No Violations or At-Fault Accidents
• Claims Free Discount: No claims paid from your insurance company
• Good Student Discount: 3.0 or greater GPA
• Vehicle Safety Equipment Discounts: Anti-lock brakes, Airbags, Security system, etc.
• Multi-policy discount: having your Home/Condo or Renter’s policy with the same insurance company
• Multi-car discount: More than one car on your policy

Depending on the company, several additional benefits could be included on your policy: Benefits vary from company to company, and some may require the purchase of certain coverages. We'll review your options with you to find the company and coverage that are right for you.

• Free Windshield Repair
• No Deductible for Glass Replacement
• Diminishing Deductibles
• Lifetime Guarantee on Repairs
• Full Vehicle Replacement for totaled new vehicles within 12 months or 15,000 miles from new purchase.
• Flexible Payment Options
• 24-Hour Claims Hotline

Definitions of Coverages available on Auto policies: (additional coverages may be available with different carriers) 

Bodily Injury Liability:  pays the medical and other expenses of people injured in an accident you cause.  The minimum required in WA State is 25,000 per person and $50,000 per accident.

Property Damage Liability:  covers the damage your car causes to property, usually the other car or cars involved in the accident - but also any objects you may hit such as building, guardrails, or any other object…).  The minimum required in WA state is $10,000.

Collision: covers the damage done to your car when it collides with another car or object. Usually a deductible (like a co-pay) is applied to this coverage. Deductible can vary from $100 to $2500. 

Comprehensive: This coverage is sometimes called "Other than Collision" and covers damage to your car that results from something other than a moving collision. For example damage caused by theft, vandalism, fire or failing objects. Usually a deductible (like a co-pay) is applied to this coverage. Deductible can vary from $100 to $2500.

Medical Payments or Personal Injury Protection (PIP):  pays medical expenses, disability and even funeral expenses for you and members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident.  It also covers you as a pedestrian if you are hit by a vehicle.

Uninsured / Underinsured Motorist: covers injuries to you, and, in some cases, damage to your car, if you are hit by a driver who doesn't have insurance or not enough insurance to cover your damages.

Rental Car Coverage / Loss of Use: It reimburses expenses incurred when renting a substitute for an insured auto disabled by a covered loss which exceeds the applicable deductible.

Towing & Labor Costs

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