Tag Archives: insurance information

Auto Insurance in Snohomish County

American Insure-All® is your home-owned company for auto insurance in Snohomish County. With offices in Lynnwood, Everett, Marysville/Arlington, Burlington, and Kirkland, we are conveniently located for your insurance needs. You can also apply for an account or access your information through our website.

Auto Insurance in Snohomish County

Everyone these days knows the importance of automobile insurance. Even if you are the best driver in the world, and your vehicle is in tip-top condition, you cannot predict what other drivers are going to do. Furthermore, a car or truck is vulnerable to weather conditions and other unforeseen circumstances. An automobile accident can turn an ordinary day into a miserable one; or a fun holiday into a nightmare. Automobile insurance can’t fix everything, but it can lift the financial burden of repairing vehicles and even paying for medical coverage for those who are involved in an accident. Coverage comes in several kinds. Liability is the coverage required by most states. It will pay for damages to the other person’s vehicle. Medical coverage will pay for injuries to people involved in the accident. Full coverage will pay not only for damages to the other person’s vehicle, but also take care of repairs needed for your own. Full coverage is often required if you are making payments on the vehicle. It is recommended when the value of your vehicle exceeds the amount you would get for it as recycled metal.

Our friendly agents at American Insure-All® can help you select the auto insurance in Snohomish County that is right for you. We know that your car or truck is important to your household, and that good insurance helps keep you and others safe. If you are shopping for a new or replacement policy for your vehicle, give us a call at (888)411-AUTO.

What Might Insurance Be Like in 100 Years?

Today most consumers undoubtedly think of insurance as a modern phenomenon. In reality, the basic concepts of insurance are thousands of years old. And insurance that closely resembles some of today’s products has been around since the Middle Ages.

As a result, when we speculate about what insurance will be like a century from now, it makes sense to think that in many ways it will still be very similar to the insurance products we have today. Insurance in Everett, Washington, is likely to be just as important to residents in 2115 as it is in 2015.

Early Types of Insurance

The purpose of any insurance is to offset risk. Over time, the types of risk that are most significant can change. For example, some of the earliest forms of property insurance were created in London after a fire in 1666 destroyed more than 13,000 homes. In the 1400s, maritime insurance policies protected ship owners against the loss of vessels and cargo.

It is hard to know what types of risk will most concern people in 100 years. A century ago it would have been virtually impossible for anyone to conceive of computers, air travel, interstate full of cars, etc. In that era, no one had health insurance. Today’s laws now require everyone to have health care protection.

It is possible that 100 years from now improvements in health care and longevity could make health care insurance obsolete. In 2012 in Massachusetts, Partners HealthCare System Inc.–the state’s biggest hospital and physician organization–purchased Neighborhood Health, an insurance provider. Perhaps in the future people will pay health care providers directly and eliminate the need for that type of insurance.

Insurance Needs Can Change

Insurance actuaries are constantly studying different types of risk and making adjustments in insurance coverage and cost to accommodate changing circumstances. For example, life insurance rates are based on the longevity of a population. As the average length of life increases or decreases, policies and their rates are adjusted accordingly.

Insurance is also subject to the whim of government regulators and politicians. Under current law, proceeds of a life insurance policy are exempt from estate and income taxes. That has not always been the case, and there is no assurance that it will be the case in 100 years or even in 5 years.

The only thing that is certain is that 100 years from now, insurance of some form is likely to still be important, just as it has been for many prior centuries.

The Worst Advice We’ve Ever Heard about Insurance

When shopping for insurance in Burlington, you might have a hard time knowing which agency to choose. Trusting your assets to a company is a big step that shouldn’t be taken lightly. For that reason, it’s important to make sure you are getting the right information from a reliable source. Over the years, we’ve heard our share of terrible advice about insurance. Don’t jump on the bad advice bandwagon. If you’ve heard a few of these tips, it’s time to set the record straight.

#1 Insurance Is an Unnecessary Expense

While insurance can be expensive, accidents and emergencies can be even more costly. While you might not see the benefit of having insurance on a daily basis, it will definitely come in handy if you find yourself injured or if your personal property incurs damage. Furthermore, in some cases, it is illegal to not have insurance. Auto insurance, for example, is mandated by the state. This not only protects you, but the other drivers on the road as well. If you find yourself at fault in an accident and don’t have insurance coverage, how will you pay for the damage done to your car and the other automobile involved? What about the injuries incurred on both parties? Don’t take that chance. Make sure you are always covered by insurance.

#2 Cheapest Is Best

There are plenty of cut-rate insurance plans out there. While some coverage is better than no coverage, make sure your insurance company isn’t skimping on your protection. If your plan seems too good to be true, it just might be. Take the time to look into your policy. It might be beneficial to pay a little bit more in order to get the benefits you need.

#3 All Insurance Companies Are the Same

Like with any type of product, this is not true. Before jumping on board with the first insurance company you come across, do your research. Read reviews from other customers and choose an agency with a good reputation.

If you have questions regarding insurance, call American Insure-All® in Burlington.

Why American Insure-All® Offers the Best Insurance in Kirkland

Here at American Insure-All®, we want to make sure that you are taken care of in terms of insurance. Here are just 5 ways in which we provide the best insurance in Kirkland.

We Do It All

Whether you need auto, homeowners, commercial, or life insurance, or you have toys such as RVs or ATVs that you need to keep covered, we can help. We are a local company and when you call, you can rest assured that a qualified insurance professional is going to be on the line soon to help you.

We Are Local

When you are looking for insurance, make sure that you work with someone local. You might be able to save money with online companies but when it comes time to file a claim, when you really need to talk to someone after an accident or a house disaster, for example, you will want to make sure that you are able to talk to a person who can help you navigate the pressures you are going through.

We Offer Quick Quotes

If you take a look at our website, you will see that we offer quick quotes. Many companies will have you fill out a form online or in person and then make you go to all the work and the trouble to follow up. Our team is proactive about insurance and we realize that when you need insurance answers, you should get them quickly.

We Provide Information

In addition to quick quotes, personalized service, and a variety of insurance products, we provide information on our blog and our website that can help you make good decisions. Give us a call with any questions you have.

We Make Insurance Convenient

Finally, you should choose us for your insurance needs because we make the process of getting a quote for insurance, signing up, and filing a claim when needed quick and convenient. We have customer service professionals on hand to answer any questions you have.

5 Common Misconceptions about Auto Insurance

At American Insure-All®, we care about our customers and getting them the best deals on their auto insurance. However, it is important to us to make sure that people understand what they are purchasing when they choose insurance policies, so we’d like to clear up 5 common misconceptions about auto insurance and the truth behind them to help you make the best decision.

Free Towing and Rentals Included with Full Coverage

When you are shopping around for auto insurance, there might be some options that you want to consider, such as rental coverage or free towing services. You never want to just assume that these are provided even if you have full coverage. If you want these options, you will probably have to include them separately.

Car Color Will Affect Insurance Rate

A lot of people falsely assume that the color of their vehicle will influence their insurance rate. While some cars and vehicle colors may be more likely to get pulled over, the color of your car will not affect your insurance rate on its own.

Your Rate Automatically Goes Down with Good Driving

When you are shopping for auto insurance, you will want to ask about all of the different discounts that might be available to you. You might qualify for a good driver discount, but your insurance rate will not automatically go down with good driving.

The Benefit to Buying in Person

There are a lot of benefits to buying your insurance in Arlington in person. You might think that buying online is going to be the best way to save money, but buying a policy from someone with whom you can connect with personally in the event of a claim is a value that you can’t put a price on.

Insurance Protects Valuables inside Your Car

Your insurance is not likely going to protect any valuables that you have inside your car, so if you are keeping something in your car that you want to protect in case of theft or vandalism, insure it with a separate policy.

10 Quick Tips on Getting Insurance

In addition to providing homeowners insurance for Smokey Point residents, our highly qualified team at American Insure-All® is here to help you better understand this type of insurance. Here are 10 quick tips about homeowners insurance you should know when you are shopping for policies.
Understand Replacement Value

Many people look at their insurance policies and misunderstand the difference between replacement value and the building value. The land your house sits on does not need to be replaced, so this is not included in these values.
Buy from the Same Company

The clearest way to save on homeowners insurance is to buy your homeowners, auto, and other insurance from the same company.
Shop Around

Doing a lot of shopping around with both online and in-person insurance companies can help ensure you pay the best premium for what you are getting.
Ask about Discounts

You will likely need to ask about discounts rather than just assuming the insurance agent will quote these to you in the price they offer.

Make Your Home Super Safe

Safety features such as security features and weatherproof improvements you make to the home can significantly affect what you pay for your policy.

Keep Your Insurance Company

Many insurance companies will offer lower premiums or discount rates the longer that you have them. If you shop around and are lucky enough to find that your company provides the best rates, you will want to stick with them.

Shop Every Year

A good way to save each year on your policy is to analyze it every year and shop around for better rates to make sure that you are getting what you need for the best price.

Make Good Deductible Choices

If you are going to raise your deductible to save on your premiums, then you should plan to keep the amount of your deductible in a savings account to ensure that you have the amount you need in the event you need to file a claim.

Shop Insurance before You Buy

Before you buy your home, you should take into consideration what homeowners insurance is going to cost. For this reason, you should shop for homeowners insurance before you buy your home.

Keep Your Agent Updated

As your life situations change, for example, if you get married, have children, or get divorced, you will want to make sure that you let your insurance agent know in case these changes will affect your premiums.

Finding Affordable Commercial Insurance in Kirkland

Owning a business is certainly a stressful affair. Business owners have to worry about all of the same things as home owners plus things like worker’s compensation claims and product liability. Luckily for business owners looking for commercial insurance in Kirkland, WA, there is an insurance company that knows exactly how to protect both big and small business owners alike at affordable rates.

Variety Is Key to Savings

At American Insure-All®, we represent a vast number of great insurance companies which offer comprehensive and affordable coverage for all business types. Whether the business needs to insure a fleet of automobiles or just wants to make sure it meets its legal obligation for worker’s comp insurance, we’re here to help. Some of the insurance companies we carry include Charter Oak, Fidelity, and GMAC Insurance. These and our other carriers do the very best they can to meet all business needs at an affordable price.

Helping Translate Policies

When you come to American Insure-All®, the first thing we are going to do is take a look at the existing policy. By seeing what is covered in a current policy, we can decide the best way to save the business a little money. Interestingly enough, most business owners aren’t entirely sure what their policy covers, and this little oversight could be costing them thousands of dollars. With our expertise and experience, we can make sure that all the money going to an insurance company is protecting the right assets.

It Is Personal

The next thing we’ll do is discuss the specific needs of a business owner. Many times, after examining their existing policy, owners will notice clauses they want to change. When this happens, it is referred to as “tailoring a policy,” and it takes experienced hands to do it correctly. When a properly trained “insurance tailor” gets his or her hands on a policy, business owners can count on a rewrite that is sure to fit the needs of their business much better than the original contract.

Above all, we recommend carefully studying any policy. Rash decisions or decisions made in frustration can end up costing a business thousands of dollars. By taking time to seriously consider all of the options, business owners can save a lot of money and prevent a lot of headaches down the road.

5 Quick Tips about Auto Insurance

Almost 30% of drivers in the U.S. are uninsured. Driving uninsured can have serious consequences and can get you in a lot of trouble, especially if you are in an accident. Here are five things you can do to make auto insurance premiums more affordable.

Rethink Unnecessary Coverage

When you are getting a quote for car insurance, you are going to hear a lot of things that sound like good deals that actually aren’t. If your vehicle is paid off and is not valued very high, for example, you might want to reconsider comprehensive/collision coverage. Qualified agencies like ours can help you determine what coverage options you can pass on.

Drive under the Radar

If you have a flashy sports car, you might look awesome driving down the freeway but these vehicles are more expensive to repair after an accident as well as being more popular with thieves.

Consider a Carpool

There are often discounts available for people who keep their annual mileage numbers down. Consider a carpool if possible to drive less and save on gas and insurance premiums.

Ask About Any Other Discounts

When you are looking for car insurance, make sure to ask about all of the possible discounts that you might qualify for.

Be a Good Driver

At American Insure-All®, we reward customers for being good drivers. To save on your auto insurance, steer clear of accidents and obey all traffic laws so that you will not have any dings on your motor vehicle record.