Car Insurance - Everett, WA

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

An Independent Car Insurance Agent In Everett, WA

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

No two car 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 pages of a car 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 Car Insurance Coverage For Everett, WA

These are the components of a policy we consider when assembling your personal car insurance. One car 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 car in an accident, or a guardrail, house, or some other property that belongs to someone else. This is the part of your car 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 driver who hits you doesn’t have insurance, doesn’t have enough car insurance to take care of you, or is unidentified.

Unidentified or Underinsured or Uninsured Property Damage

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

Comprehensive Car Insurance Coverage

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

Collision Insurance Coverage

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

Roadside Assistance

Pays for towing your car, 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' Car Parts

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

Gap Insurance Coverage

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

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