Auto Insurance Lynnwood, WA

Given the sheer number of autos on the road near Lynnwood, WA and the distractions drivers deal with every day, the chances of being involved in an auto accident have never been greater. It’s important to understand what car and auto insurance options you have to protect yourself.

An Independent Auto Insurance Agent is Your Best Option in Lynnwood, WA

What a lot of people don’t realize is, having great auto insurance coverage doesn’t necessarily mean having higher auto insurance premiums. Because Calrose Insurance is an independent auto insurance agency in Lynnwood, WA, we can take your current auto coverages and compare them with a wide range of auto insurance providers, finding you great combinations of cost and insurance coverage across the industry.

No two auto insurance contracts are the same. Even two policies with the same amounts of coverage might look the same, the fine print behind them can vary drastically. If you were to read the many many pages of an auto insurance policy to see the differences for yourself, you’d probably end up with more questions than you started with. That’s why we are here.

Important Auto Insurance Coverage For Lynnwood, WA

These are the components of a policy we consider when assembling your personal auto insurance. One auto insurance policy clearly doesn't fit all.

Bodily Injury:

This provides insurance coverage to take care of someone else’s medical bills.

Property Damage:

Suppose you damage someone’s auto in an accident, or a guardrail, house, or some other property that belongs to someone else. This is the part of your auto insurance policy that compensates the other person for that damage.

Personal Injury Protection (PIP):

Without anyone being named at fault, this insurance coverage pays for medical expenses, loss of use, and, if necessary, funeral expenses.

Unidentified or Underinsured or Uninsured Bodily Injury Liability:

This provides coverage to take care of your medical bills when the auto driver who hits you doesn’t have insurance, doesn’t have enough insurance to take care of you, or is unidentified.

Unidentified or Underinsured or Uninsured Property Damage:

This provides coverage to repair or replace your auto when the person who hits you doesn’t have insurance, doesn’t have enough auto insurance to take care of you, or hit and runs.

Comprehensive Insurance Coverage:

This covers damage to your auto when there’s theft, vandalism, or when other things hit it.

Collision Insurance Coverage:

This insurance covers damage to your auto when it hits any other object or rolls over.

Roadside Assistance:

Pays for towing, having someone come and recharge a dead battery, or bringing gas when you’re out.

Medical Payments (Med Pay):

Without anyone being named at fault, it pays for medical expenses.

Original Manufacturers' Auto Parts:

These days there are plenty of cheap knock-off car parts available. This auto insurance coverage ensures you only get the original manufactured parts when your auto is damaged.

Gap Insurance Coverage:

Pays for the difference between what you owe on your auto loan and the value of your auto at the time of the accident. This is generally inexpensive insurance coverage that could save you thousands.

These are general explanations but every Lynnwood, WA auto insurance policy is different, so always refer to your own insurance policy to verify the details of your coverage.

CalRose Insurance in Lynnwood, WA is here to help in any way we can with your auto insurance needs.