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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Category: Auto Insurance

Can I get cheap car insurance for my Kia or Hyundai?

Posted on by Matt McColm
Young driver ready with insurance and keys
We insure all ages

We have been talking about the Kia and Hyundai problem for a few months. In February and in May.

If you have a Kia or a Hyundais then you may be experiencing a challenge in insuring them. You are not alone. There are more than eight million Hyundais and Kias from the model years 2011 to 2022. There are websites dedicated to the issue.

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There are websites for Kia owners and Hyundai owners to get more information about their specific vehicle.

The manufacturers have had a $200 million dollar settlement. As part of it owners can get a software upgrade and if software cannot be installed then get up to $300 to buy their choice of anti-theft devices. There is a resurgence of the ‘90s classic “Club” which is a steering wheel lock.

Steering wheel lock to slow down thieves

TikTok Challenge and Kia Boys

Instagram and TikTok have had multiple videos including some “challenge” videos about how easy they are to steal with a USB because of their lack of immobilizers. The popularity of the “Kia Boys” was enabled by social media as thieves began to steal them for their views and clout.

Due to the ease of the thefts and the sheer volume of thefts some insurance companies have stopped covering them. We have several companies that we work with that do cover them. There is also the option of insuring your license with a Broad Form if the vehicle is paid off.

What can we do?

While these are great little cars do not expect every insurance company to insure them cheaply. We run them through an exchange to see what companies are still writing them for the lowest cost.

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Topics: Wenatchee Insurance, Insurance Quote, Car Insurance, Auto Insurance, Wenatchee, Chelan, Health Insurance, Home Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Kia, Hyundai, TikTok, TikTok Challenge, Kia Challenge, Kia Boys, Instagram

The Ultimate Guide to Auto Insurance in the Evergreen State

Posted on by admin
Young driver ready with insurance and keys
We insure all ages

If you’re a new driver or changing auto insurance companies in Wenatchee, WA, navigating the auto insurance world can be a complex and daunting task. Contact the insurance professionals at Wenatchee Insurance Agency when you need help understanding auto industry terms like deductibles, minimum coverage, or liability. 

Why You Need Auto Insurance 

Licensed car insurance professionals can help guide you through the murky waters of auto insurance. Evergreen state drivers can feel more confident about choosing the best auto insurance policy when they understand insurance basics. 

Washington State Insurance Requirements 

One of the most important things to understand about getting auto insurance in the Evergreen State is that having auto insurance is mandatory for all drivers. Every driver operating a motor vehicle on Washington roads must have minimum liability insurance to financially protect other drivers from the costs associated with an automobile accident. Minimum liability insurance helps cover medical expenses and property damage caused by an auto accident. 

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Talk to your agent to learn about the basic requirements for getting the best car insurance policies in Wenatchee, WA and surrounding cities! 

Frequently Asked Questions

What kind of auto insurance do I need to drive in Washington?

Washington’s drivers need minimum liability insurance coverage to drive legally. They can also add optional coverages for comprehensive and collision to extend the limits of their policy. 

How much does liability insurance cost in Washington? 

The cost of a Washington liability insurance policy will vary since it depends on your driving history and other factors.

What factors affect my car insurance rate?

Licensed insurance agents can help you choose a policy based on your driving history, budget, and other factors. 

Schedule A Consultation Today!

Contact a licensed insurance agent at Wenatchee Insurance Agency to get a customized insurance quote today! 

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simple process for insurance
Wenatchee Insurance simple process

Which company has cheap car insurance in Washington State?

Posted on by Matt McColm
Need an SR22 for your driver's license?

Wenatchee Insurance is an independent insurance agency that shops for our clients with a variety of different companies. While we have an office in Wenatchee, we can write insurance policies from Yakima to Oroville and from Forks to Clarkston.

In Washington State, there are several insurance companies that specialize in providing coverage for high-risk drivers. Their preferred market is to offer insurance to individuals with a history of accidents, tickets, DUIs, or other factors that might make them considered “high risk” by traditional insurance companies. Some people mistakenly think that every plan offered by a “high risk” company is cheap.

Important: If you need an SR-22 then let us know before we quote. Not every company offers that service.

Pick up with police car issuing a ticket

Three insurance companies that often cater to high-risk drivers in Washington state include:

  1. Dairyland: As mentioned earlier, Dairyland specializes in providing insurance for high-risk drivers, including those with a history of tickets, accidents, or other challenges.
  2. The General: The General is known for offering insurance options to drivers who might have difficulty obtaining coverage from standard insurance providers due to their driving history.
  3. Progressive: Progressive is a well-known insurance company that also offers coverage for drivers with less-than-perfect driving records. They often have options for high-risk drivers.

It’s important to note that availability and rates can vary based on individual circumstances, including the specific violations or incidents on your driving record. When searching for high-risk car insurance in Washington state, we are independent insurance agencies, so we compare multiple companies for you.

In general, it’s not uncommon for someone to approach us for a high-risk company only to discover that they have a better rate with one of the different companies that we work with. We shop with about 20 different companies and sometimes a person who thinks Dairyland is the cheapest may find out that Nationwide or Allstate is a better fit.

Insurance is complicated. We literally use computers to help us determine the best companies after looking for discounts that most people don’t know are available. It’s not our job to judge, it’s our job to insure.

Topics: Wenatchee Insurance, Insurance Quote, SR22, General, Nationwide, Wenatchee, Chelan, Dairyland, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Ticket, discount insurance, Inclusive,

Where can I get a car insurance quote?

Posted on by Matt McColm

People are shopping their car insurance in large numbers.

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Wenatchee Insurance Agency offers several advantages for quoting car insurance. These advantages include:

  1. Choice and Access to Multiple Insurance Companies: As an independent insurance agency, Wenatchee Insurance Agency works with multiple insurance companies. This allows us to offer quotes from multiple providers, giving customers access to a wider range of options. Customers can compare coverage and prices more easily without having to enter their information to multiple corporations.
  2. Personalized Service: Independent insurance agents, like those at Wenatchee Insurance, provide more personalized service in a non-corporate manner. We are part of Eastern Washington and offer a neighborly approach to insurance. Customers can expect a more personal touch when interacting with the agency.
  3. Flexibility and Customization: Independent insurance agencies have the flexibility to tailor insurance policies to meet the unique needs of customers. They can offer a variety of coverage options, deductibles, and policy limits, allowing customers to customize their car insurance based on their preferences. Sometimes you need car insurance and on other occasions you will have home and health insurance questions. Wenatchee Insurance understands that not everyone fits into a standard policy and aims to provide customized solutions.
  4. Long-Term Relationship: Wenatchee Insurance focuses on building long-term relationships with our clients. We aim to be the insurance agency of choice for our clients for the next 50 years. This means we prioritize the client’s needs beyond a single sale and strive to provide the best practices and services for years to come.
  5. Competitive Pricing: Contrary to popular belief, independent insurance agencies like Wenatchee Insurance can often offer competitive pricing. They have the advantage of shopping around on behalf of the customer and leveraging their relationships with multiple insurance companies to find the best rates available. This allows customers to secure affordable coverage without compromising on quality.
Claim conversations before they happen

It’s important to note that the specific advantages may vary depending on the independent insurance agency and the insurers they work with. Wenatchee Insurance Agency was built in response to customer requests for home and car insurance to Suzie and Matt.

Do you have any additional questions or is there anything else you would like to know about Wenatchee Insurance Agency?

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Topics: Wenatchee Insurance, Insurance Quote, Car Insurance, Auto Insurance, Wenatchee, Chelan, Health Insurance, Home Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping

With my business logo on my car do I need a commercial auto policy?

Posted on by Matt McColm
Flower delivery for work

As an insurance agent at Wenatchee Insurance Agency in Wenatchee, Washington, I would advise you on the need for a commercial auto policy if you had your logo on your car. We look for policies that when a customer needs them, they will be available to make a claim.

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If you have your logo displayed on your car, it indicates that you are using the vehicle for business purposes. In such cases, it is generally recommended to have a commercial auto insurance policy. Personal auto insurance policies usually exclude coverage for vehicles used for business activities.

Insurance companies are looking to deny claims. A few years ago, I had a friend that was delivering flowers for their company. They hit some ice and wrecked the car. Since it was written for personal use the insurance company denied the claim. A proper policy and the insurance company would have been required to pay and my friend would still have their flower shop.

Here’s why you should consider a commercial auto policy:

Proper Coverage: A commercial auto policy is specifically designed to protect vehicles used for business purposes. It provides coverage that may not be included in a personal auto insurance policy.

Liability Protection: Commercial auto insurance offers higher liability coverage limits to safeguard your business in case of an accident where you or your employees are at fault. This coverage protects against potential lawsuits and claims for bodily injury or property damage caused to others.

Business Assets: Commercial auto insurance can help protect your business assets by providing coverage for damages to your vehicle(s) used for business. It helps you recover the costs of repairs or replacement, minimizing the financial impact on your business.

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While personal auto insurance policies may provide coverage for vehicles used occasionally for business purposes, having a dedicated commercial auto policy ensures that you have appropriate coverage tailored to your business needs.

woman delivering pizzas with her car holding clipboard

If you are delivering pizzas or doing Ride Shares from your car then you really need to let your insurance agent know. Please keep in mind that insurance requirements and policy details may vary based on your specific location and circumstances. It’s always a good idea to consult with a licensed insurance agent at Wenatchee Insurance Agency. We can provide personalized guidance based on your unique situation and help you choose the right insurance policy to protect your business.

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Topics, Wenatchee Insurance, Auto Insurance, Car Insurance, Commercial Insurance, Pizza Delivery, Ride Share, Flower delivery, Chelan County, Douglas County, Independent insurance agency

My car insurance lapsed, what next?

Posted on by Matt McColm
first time driver or if you have a lapse in coverage then Wenatchee Insurance can help

We had a first-time client approach us the other week without coverage for a quote. They had not driven their car for a couple of weeks and had let their insurance lapse. It was an eye-opening experience for them.

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Continuous coverage is important for auto insurance for several reasons:

Gaps cost money: If you let your auto insurance coverage lapse, even for a short period, it can result in a coverage gap. A coverage gap means that there is no insurance in place during that time. Insurance companies may view coverage gaps unfavorably, resulting in higher premiums when you reinstate your policy or even difficulty in obtaining coverage in the future. With the hard market, insurance companies are less likely to accept a driver with a gap in coverage.

Legal Requirement: In Washington State, having auto insurance liability is mandatory by law. Continuous coverage ensures that you meet this legal requirement and avoid any penalties or fines that may be imposed for driving without insurance.

Personal Protection: Auto insurance provides liability coverage for injuries or damage caused to others in an accident. Continuous coverage ensures that you have this protection in place consistently, minimizing the risk of facing a significant financial burden due to an unforeseen event.

we shop multiple insurance companies
Independent broker with multiple insurance companies

Financial Protection: An important question to ask is how much you want to pay out of pocket before the insurance company starts to pay. When you move beyond liability coverage, auto insurance provides financial protection against potential losses and damage resulting from accidents, theft, vandalism, or other covered events. It is why we recommend talking with an agent so that you understand the coverage in an insurance policy prior to purchasing.

Uninterrupted Benefits: Some auto insurance companies offer additional benefits or discounts based on continuous coverage. These benefits can include lower premiums, loyalty rewards, accident forgiveness, or coverage extensions. By maintaining continuous coverage, you can take advantage of these benefits over time.

It’s important to note that the specific requirements and benefits of continuous coverage may vary depending on your insurance provider, local regulations, and the terms of your policy. It’s always recommended to review your insurance policy and consult with your insurance agent to understand the details of continuous coverage in your specific situation.

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As an independent insurance agency in Central Washington when policies come up for renewal, we like to review and shop for lower rates. Time is your friend in this case as we are able to find new carriers as you have established continuous liability with your auto insurance

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How To Get Cheap Insurance For My Teen Driver

Posted on by Matt McColm

Wenatchee Insurance was set up to get cheap insurance for teen drivers . We recognized that it can be a challenge because teens are considered high-risk drivers due to their lack of experience. Suzie and Matt have a teen driver in their household, so we understand how tough it is to get good coverage that is affordable.

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Here are several strategies you can consider to potentially lower the cost of insurance for a teen driver:

Compare Multiple Insurance Quotes: We use and internal exchange to shop for and obtain quotes for our clients. Prices can vary significantly, and as an independent insurance agency, we do the work of multiple applications and present you with options. We are your personal shopper.

Insurance for young drivers

Add the Teen Driver to an Existing Policy: Instead of purchasing a separate policy for the teen driver, consider adding them to an existing family policy. This can often be cheaper than getting an individual policy. As long as everyone is in the same household or all garage addresses are listed, a family policy is often the cheapest approach.

Take Advantage of Good Student Discounts: Many insurance providers offer discounts for teen drivers who maintain good grades. Encourage your teen to work hard in school and provide the required documentation to the insurance company to access this discount.

Opt for a Safe Vehicle: The type of car your teen drives can affect insurance rates. Choose a safe and reliable vehicle with good safety features, as insurance premiums tend to be lower for such cars. There are cars that insurance companies refuse to cover or have higher rates do to their theft potential.

Increase Deductibles: Increasing the deductible—the amount you pay out of pocket in the event of a claim—can lower insurance premiums. The question to ask yourself is how much you want to pay out of pocket before the insurance company takes over.

Limit Coverage: Evaluate the coverage options you need and consider excluding certain coverage types that may not be necessary for your teen driver. Be cautious, though, as it’s important to maintain adequate coverage for protection.

Telemetrics: Some companies will use an application on a smartphone. Depending on when a person drives, how a person brakes and starts, and how fast they go is tracked and this can lead to some significant savings.

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Remember that insurance rates vary based on factors such as location, driving record, and the insurance company’s policies. It’s essential to discuss your specific situation with insurance providers to get accurate quotes and determine the best options for your teen driver.

Let’s chat and see what we can do.

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