Auto Insurance in Washington from our Kirkland Insurance Agency
Whether you’re beginning your search for car insurance, looking for a lower rate or a whole new auto insurance plan, First Rate Insurance Plus is here to help! Our insurance agents use the latest technology to find the best insurance plan for you from over 20 companies. It’s possible that our agents could save you hundreds of dollars/year; particularly if you are considering bundling your insurance with a home/renters/condo policy.
The best Auto Insurance rates from an Independent Agent
Our agents work hard to ensure that you and your family get the best rates for your car insurance. Not only will your agent search for the lowest rate to match your insurance needs, you will also get the top notch customer service that First Rate Insurance Plus takes pride in delivering.
Insurance Quotes with Just One Call
There are an overwhelming number of choices for car insurance out there, don’t stress! Let the professionals at First Rate Insurance Plus gather quotes from over 20 insurance carriers, presenting you with the best options for your budget and needs! Our agents are here to help guide you through coverage comparisons, discounts, flexible payment options and they may have some money-saving tips as well. Get your quote today!
Make sure you understand what these terms mean and how much coverage is right for you.
First Rate Insurance Plus offers:
- Standard and Preferred Auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued Autos
- Find every available discount to lower your rates as much as possible
- Recreational vehicles / Boats / ATV / Snowmobiles / Scooters / Motorcycles & More!
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase both of these coverages or just comprehensive for each vehicle you own. If you have an auto loan you’ll likely be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which typically range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Personal Injury Protection (PIP)
PIP coverage pays medical expenses (up to a specified dollar limit of either $10,000 or $35,000) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. PIP also pays additional costs including time missed from work, daily amount if you’re not able to perform chores around the house and some funeral benefits. Refer to your policy or discuss with our agents for further details.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental car reimbursement, and roadside assistance. None of these coverages are required but are certainly make the claim process go smoother.
How much do I need?
Choosing the appropriate level of auto insurance coverage depends on a number of factors including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles) and your tolerance for risk.