We Make Auto Insurance Easy!
Insurance companies make things confusing, we are here to help you get the right coverage in an easy going manner! Since we are an independent broker this means we shop at over 14 auto insurance carriers to ensure you get the best price for the coverage.
If you think you are paying too much for auto insurance you probably are. The best way to find out is to let us go shopping for you, as we have access to 14 companies to see who give you the best deal for your coverage!
In 2019 and now 2020 many of the auto insurance carriers are raising rates significantly! If this happens to you, we can help. Often someone else has a better rate for you!
If you have any Auto Insurance questions give us a call at 425-802-2783 or email gfranke@basinpacific.com
Also, our commission is built into the price, so there is no additional cost to work with us!
Here is the quick overview of how auto insurance works and prices are determined.
Auto Insurance Rating Factors:
- Type of vehicle you drive
- How you use the vehicle (personal or business)
- Miles driven per year
- Driving record (accidents, speeding tickets)
- Zip code
- Age
- Years of driving experience
- Marital status
- Length of insurance coverage
- Credit history
- Male/Female
Insurers weigh the above risk factors differently, so make sure to shop around to find the car insurance company that has the best rate for your specific situation.
Liability insurance is typically broken down into three parts:
- Per person limit for bodily injury
- Per incident limit for bodily injury
- Property damage limit.
Using example numbers, the limits are generally written as 100/300/100. Here’s how to read them:
- First number 100 = $100,000 and is the maximum amount your bodily injury liability will pay for injury-related expenses per person.
- Second number 300 = $300,000 and is the maximum amount that your bodily injury liability insurance will pay out for all injuries per incident.
- Third number 100 = $100,000 and is the maximum amount that your property damage liability insurance will pay out for all property damage per incident.
Bodily injury maximum limits per incident are always higher than property damage since medical bills tend to add up much quicker than property damage expenses.
If your income or assets are a bit higher we would strongly recommend to get 250/500/100 limits along with a $1 Million Umbrella Policy. The good news is it’s not as expensive as you may think.
We are here to walk you through the process of getting auto insurance set up the right way and actually covers you in the event of an accident!
Gary Franke, Julia Phipps & Tamara Chandler
Independent Broker
12505 Bel-Red Rd, Ste 106,
Bellevue WA 98005
425-802-2783
gfranke@basinpacific.com