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"

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.

"We dont sell insurance, we help people buy it"

This has always been our motto and continues.... We understand every family has different insurance needs, be it coverage or premium. No two cases are the same and we will always do our best to guide you into proper coverage to fit your budget. We are here to help ...anytime. 206 842 7410

Insurance Coverage vs Premium

Posted By Tom Sawyer In Insurance Rates | 1 Comments | Permalink | print this article

With the current economic downturn, we all have been bombarded by on-line and television ads, claiming lower insurance rates, promising to keep more money in your pocket. Buyer beware! Many of these, so called "lower rates" , are actually Insurance Companies, offering lower coverage levels or omitting quality "optional" coverages , without clearly clarifying this to the consumer. The ad claims of lower premium fail to mention less coverage and less personal service. I urge anyone considering the on-line or direct call insurance option to always consult with their current insurance agent or broker, before making a change. A savings of $80.00 dollars now,  may  seem enticing, but what if you knew this could cost you 100,000 in coverage in the event of a claim? I would surmise , your opinion on the savings would change.

The fine balance between coverage and premium is something you can ONLY achieve through a qualified agent or broker. This service does not cost anything additional and you as a consumer  deserve to sleep well at night knowing you are properly covered.

 

Social Security Numbers and Insurance

Posted By Andy Kosick In Insurance Rates | 1 Comments | Permalink | print this article

Imagine if someone asked you the cost of a dinner out. There is no way you could give them an immediate answer. There are so many other factors in that decision. You couldn’t come up with an accurate answer without asking more questions. What type of restaurant would they like? What quality of food are they looking for? What kind of atmosphere do they prefer? Are they looking for something casual or fancy, hamburgers or steak? You could give them an answer without asking any questions, but there is no way to tell how accurate it would be. How would that person feel if you told them $10.00 thinking a simple cafe, and then they walked into a 5 star restaurant expecting a $10.00 meal, only to find it was $50.00 per person!

The same is true of pricing insurance. Many Insurance Companies are advertising that they can quote insurance without using personal information. It’s true any agency can give you a quote, but how accurate that quote will be is a different matter. In WashingtonState your insurance is rated based upon your insurance score. Social Security numbers are used to determine your insurance score. It is not a credit report. An insurance score shows your payment history and overall financial stability. People with higher insurance scores qualify for better markets, and receive better rates. If you receive a quote without giving your personal information there is no telling how accurate it may be, and when you do decide to purchase the insurance you are likely in for a big surprise. It may be a good surprise, and your insurance rate may actually go down, but it may also be a bad surprise, with your rates going much higher than you had anticipated. Insurance can be frustrating and costly on its own, but finding out it’s more than you were originally told is a whole different story.

At Eagle Harbor Insurance we will ask for your social security number, but that’s because we believe honesty is the best policy. At the same time we guarantee that your security is our number one priority. We are here to serve you, and provide you with all the information you need up front. You can trust that the quote you receive is as accurate as possible, and that means you can relax, knowing there will be no surprises when it comes time to pay the bill. We will do everything we can to find you the best insurance possible at the best price possible.

Insurance Coverages

No matter what your circumstances, we'll help you with any insurance coverage you need. You'll get fast, friendly service and expert on-target coverage. .

Click to download a quote request form or questionnaire that you can email in for highlighted areas of coverage.

Give us a call at (206) 842-7410, or drop us an email at: tom@eagleharborinsurance.com or rita@eagleharborinsurance.com We would be glad to talk with you, answer any questions you have and get you a quote. .

Want a quote now? For the fastest service, download and fill out one of our forms and then email it in to receive a personalized quote within 24 hours.