Tag Archives: shopping for insurance

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.

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.

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.