Independent Insurance Broker / Agent advantages on Bainbridge Island

Posted By Tom Sawyer In Auto Insurance | 0 Comments | Permalink | print this article
Sleep better knowing an Independent Insurance Broker/ Agent is on your side! An Independent Broker/ Agent: 1. Is a value hunter - our brokers look for the best combination of price, coverage, and service. The broker works for YOU, not the insurance carrier. They know the local Bainbridge Island demographic well. All of our brokers and agents are longtime residents of Bainbridge Island. 2. Offers one-stop shopping. With one call or visit, you have access to multiple lines of coverage for all your needs. Independent agents vary, but most offer a full range of auto, home, rental, business, life, health and flood products. 3. Is committed to customer satisfaction - their livelihood depends on it. Without our local Bainbridge community support, we would not exist. 4. Treats you as a person - not a number. We reference all of our clients by name, not a policy number. When you call, simply state who you are and we are off and running! 5. Becomes your consultant/advisor for the present and future - helping you to protect your valuable assets. This relates to not only tangible wealth , but also to family and as they grow. 6. Provides personalized claims service. No need to navigate a phone chain - Your independent agent can contact your insurance carrier directly to help smooth out the claims process. We have a 24hr a day, LOCAL line you can call to speak to one of us directly. 7. Listens. How better to help determine your needs? We want to get to know you and your family. 8. Has strong community ties. Look around you - PTA, Rotary, Chamber of Commerce, Soccer club, etc. Chances are your local insurance broker/ agent is right beside you building a stronger community!

Spring Insurance Review time

Posted By Tom Sawyer In Auto Insurance , Home Insurance , Insurance Coverages , Insurance Rates | 0 Comments | Permalink | print this article
Well, spring is almost here! This means many things for your personal insurance. For Bainbridge Islander's it means breaking out the boats, jet skis, rowing skulls, motorcycles, scooters and just about any other off road or water machine you can imagine. As your trusted insurance broker, I urge you to call us , take five minutes, and make sure your coverage is correct, up to date, and make sure we add any new off season purchases. Insurance on "toys" can easily be overlooked, yet the risk and ramifications are equal to the risk of driving your car. Please do not overlook the importance of this! We can do a full overview review of your insurance right on the phone , quick and efficiently. Like our motto states " we don't sell insurance, we help people buy it"

Homeowner insurance on Bainbridge Island

Posted By Tom Sawyer In Home Insurance | 0 Comments | Permalink | print this article
Bainbridge Island is a curious place for Homeowners insurance. Bainbridge is an island by definition ,which usually indicates limited access, limited fire departments, high protection class codes, and overall semi isolation. In our insurance brokerage, we have worked with our insurance carriers/ underwriters to better define the island risk . The end result ? Essentially we can get this rated much like any other midtown population base and eliminate the " island rating surcharge". What does this mean for you as a consumer? It means lower rates and broader coverage options! Great news! Hartford * Kemper * Guide One * Foremost* Red Shield * Chubb * Fireman's Fund Currently our top tier carriers

Auto insurance rates explained..well sort of!

Posted By Tom Sawyer In Auto Insurance , Insurance Rates | 0 Comments | Permalink | print this article
New drivers, young drivers, older drivers? Why do auto rates start high and eventually end just as high? I call it the "Insurance inverted bell curve" . When you are a young or a new/inexperienced driver, rates are high . As you gain experience, build a quality driving record, credit, and ability to pay, the rates slowly but surely decline until you are paying the best rates EVER in your late 30's thru early 60's. YET WAIT FOR IT...as your age increases past age 60, rates will slowly again increase. The " surprise" increase is based on long-term data collected about drivers. It is shown as drivers get older, the reflexes slow a bit, eyesight may not be what it once was...yet the confidence in your ability remains at an all time high. Eventually this leads to accidents and hence higher rates. Like any demographic, there is clear exceptions to this rule, but as a whole, this is the thought process in rating....food for thought.

Healthcare Open Enrollment- final day

Posted By Tom Sawyer In Health Insurance | 0 Comments | Permalink | print this article
Today is the last business day of this years healthcare open enrollment. 2/13//15. We offer many carriers and options outside and inside the Exchange program. Please call us today if you still need help! 206 842 7410

Broad Form...what is it really?

Posted By Tom Sawyer In Auto Insurance | 1 Comments | Permalink | print this article
Broad Form coverage....contrary to ad's on TV ...is actually designed for those, who DO NOT own a vehicle and need insurance coverage . Many folks are mislead to believe that if you own multiple cars, you can simply carry Broad Form coverage and have all the vehicles covered. This is untrue and can cause a major issue for you! If you own a car, you must have the car listed and covered for at least liability , per WA state law. We are here to help further unravel this confusion for you...call us anytime .

Health Insurance Open Enrollment ends 2/15/15

Posted By Tom Sawyer In Health Insurance | 0 Comments | Permalink | print this article
The open enrollment period for health insurance is quickly closing. There is less than a month left to enroll and the final day is 2/15/15. If you have questions, concerns, confusions, desire coverage etc...PLEASE call us! We offer no pressure, FREE consultations to discuss your health insurance needs. We offer plans both inside and outside the Washington Exchange program and also numerous carrier options ...both PPO and HMO style plans. Our number is 206 842 7410...Rita or Jenna can set you up on our calendar today!