When you own an auto in most states you are required to carry liability insurance. This protects other motorists and their vehicles from you. It will cover medical expenses and property damage. However, it will not cover your vehicle. Other types of coverage are available including collision and comprehensive that you can opt to carry or if you have a car loan, you may be required to carry. Many people don’t understand the difference between collision and comprehensive auto insurance. Sound Choice Insurance Agency Inc in Lynnwood, WA has the information you need to understand the different coverage options. 

Collision

When your vehicle makes contact with another vehicle it can sustain a lot of damage. It may even be deemed totaled. If you want to repair or replace your damaged vehicle and you were at fault, you need to pay for it yourself.  Unless you have lots of money, this could be a hardship. Collision coverage would pay for this up to the limit of your policy.

Comprehensive

Comprehensive coverage is sometimes referred to as non-collision insurance. It protects your vehicle for damage that results from something other than a collision with another vehicle. If your vehicle is damaged by a fire, by hail, by a tree falling onto it, by a large animal or if it is stolen, these are the kinds of things that comprehensive insurance will cover. Glass coverage is also usually included with your comprehensive policy. For most perils, there will be a deductible with glass coverage being the exception.  With a good comprehensive policy, if your vehicle is stolen, you will be able to replace it. 

As you can see, collision and comprehensive coverage are very different though both protect your vehicle. If you live near Lynnwood, WA why not call or visit Sound Choice Insurance Agency Inc. to discuss your auto insurance needs. 

 

Your auto policy is in place to protect you, your passengers, and other drivers, but does it also protect the passengers of the person that you are involved in an accident with? For those that live in the Lynnwood, WA area, the agents with Sound Choice Insurance Agency Inc can help you to find out just what your policy covers and what you need to add to your coverage.

When it comes to the passengers in the other driver’s car, in most cases they will have to sue or make a claim against the insurance of the driver in the car that they were a passenger. In some cases, your insurance will cover the deductible for the other driver’s policy which will then pay out to the passenger. For the most part, the only person that is responsible for the cost of the passenger is the driver of the car that they are riding in. You can add more or less coverage for your passengers. Many insurance companies will pay your passenger the minimum liability which in most states is about $10,000.

It is important also to note that if you have full coverage insurance your passengers may be entitled to more than the minimum liability coverage amount. You can customize the amount of coverage depending on how often you have passengers and other factors as well. If you have passengers that are in your car at the time of an accident, your insurance is going to cover their costs in most cases which means that your insurance is going to be liable only for your passengers. For those in the Lynnwood, WA area, the agents with Sound Choice Insurance Agency Inc can help you to find the right policy for you and for your passengers.  

Everybody knows that there is a need for auto insurance when getting a new car and a need to cancel an auto insurance policy when selling or getting rid of an old car. However, there are many good reasons to have an auto insurance review for other circumstances.

It is a good idea to talk with your insurance agent at Sound Choice Insurance Agency Inc. serving Lynnwood, WA and the surrounding area, to update the coverage of your auto insurance policy if any of these conditions change.

Some of the things that are good reasons to have an auto insurance review include:

• Custom Work on a Vehicle: You may want extra coverage if you add custom features to a vehicle that require a significant investment, such as getting an expensive custom paint job or installing a top-of-the-line stereo system.
• Changing Authorized Drivers: It is important to tell your insurance agent if you add or remove an authorized driver. You want to make sure any new drivers are covered and you may get a premium reduction if a driver is removed.
• Moving: Relocating to a new place is something you want to inform your agent about so that your mailing address is changed and any policy adjustments can be made.
• Storage and Parking: Parking your auto in a different way or in a different place may change your insurance needs. For example, let your agent know if the car will be parked inside a garage or on the street and if this changes.
• Change of Vehicle Use: Insurance adjustments may be needed if you start using the vehicle for a different purpose or in a different way. An example of this would be more frequent or longer commutes and carrying passengers for carpooling.

Your agent at Sound Choice Insurance Agency Inc. in Lynnwood, WA is always happy to help you if you have any questions about your auto insurance or need a new quote.

Washington is one of the most beautiful states in the US. Nicknamed ‘The Evergreen State,’ it’s also one of the most visited states in the country. But before you hit the road for a scenic drive in Washington, make sure that your auto insurance is in order. Here, like in many other states in the country, auto insurance is required. In other words, you can’t drive legally without car insurance in the Evergreen State.

Mandatory Coverage

Whether you’ve bought a new car or you just moved to Lynnwood, WA, Sound Choice Insurance Agency Inc can help you get auto insurance that meets the state’s auto insurance requirements as well as your driving needs. But why is auto insurance mandatory in the vast majority of US state? Well, there are several reasons. But before we delve into that, let’s take a look at the minimum car insurance requirements in Washington State.

Basic Requirements

As a driver in the state, you are required to have Property Damage Liability, Bodily Injury Liability, Underinsured Motorist Bodily Injury Coverage, as well as Basic Personal Injury Protection and Underinsured Motorist Property Damage Coverage. You need to have these coverages on your policy to drive in the state. The state’s insurance department has put these laws in place to ensure that roads in the state are safe and fair for all drivers.

That way, if you cause an accident, your coverage will cover the cost of damages and medical bills and the other driver will not suffer financial loss as a result of your actions. That’s what auto insurance requirements are for. Get full auto insurance coverage from Sound Choice Insurance Agency Inc in Lynnwood, WA and make the road safer for other users. Call us if you need more information on auto insurance in the state.

Auto insurance is something that all drivers can not only benefit from but that all drivers are required to hold. There are no circumstances in which auto insurance is ever optional for a car that is going to be driven on public roads with other drivers. For those in the Lynnwood, WA area, the agents with Sound Choice Insurance Agency, Inc. can help you get the perfect auto policy quickly and easily.

Auto insurance is something that is never optional for a car that is going to share a public road with other drivers for one simple reason, should there be an accident, there needs to be a policy in place for both drivers so that neither is forced to take the full burden of the cost of repairs and medical costs. Auto insurance is required by law in almost all 50 states to help protect all drivers, both the insured and the other drivers on the road.

Auto insurance is something that all drivers also need to help pay back auto loans should their car become totaled, and if the car needs to be fully replaced. It also helps cover the cost of repairs, medical costs, rental cars, and more to get you back on the road again safely. Each state has different requirements for the amount of auto insurance you have to have on your car, and it is necessary to speak with an agent to find out just how much auto insurance you need to have in place to legally drive your car on the road. For those that live in the Lynnwood, WA area, the agents with Sound Choice Insurance Agency, Inc. can help you to find the right policy for your needs based on the individual requirements of your particular state or locality.  

Reach out to our offices to get a quote or try out our online rating tool.

If you drive long distances to or from work or when traveling on vacation, you should make sure you have adequate car insurance to protect you against accidents. With good car insurance protection, you can be prepared for any mishaps that may occur during your travels. At Sound Choice Insurance Agency, Inc. in Lynnwood, WA, we can help you choose an insurance package suited to your budget and lifestyle. For long-distance driving, you’ll do well with the following coverage:

Liability

All states require that drivers have minimum liability coverage and Washington is no exception. If you drive long distances, however, you may want to get more than the bare minimum. Extra liability coverage will give you greater protection in the event you cause an accident where serious injuries or damage occur to others.   

Collision

Long distance driving poses a greater risk of accidents due to drivers getting careless, going too fast, or falling asleep at the wheel. Collision coverage will help pay for damages to your car if you accidentally crash into another vehicle or drive off the highway. If you own a fairly new vehicle, collision coverage can help protect your investment.

Comprehensive

When you travel extensively, chances are you’ll run into inclement weather on the road. Your car may suffer wind, hail, or storm damage during your travels. Comprehensive insurance helps pay for these damages. If your vehicle is stolen or vandalized on a road trip, you’re protected under this same coverage.

Roadside Assistance/Towing

You may also want roadside assistance or towing in your car insurance package for help with unforeseen car problems that can leave you stuck on the side of the road.

For quality auto insurance coverage, contact Sound Choice Insurance Agency, Inc. in Lynnwood, WA. We can help you get started with a quote and a policy.

If you have been convicted of drunk driving, you will be required to obtain SR-22 auto insurance when your driving privileges are once again reinstated. SR-22 insurance is a type of auto insurance that has a higher coverage level than regular auto insurance. The reason for this is because you are now considered a high risk driver and the state wants to make sure you have enough insurance to cover any accidents you may cause as a high risk driver.

At Sound Choice Insurance Agency, Inc., serving the greater Lynnwood, WA area, we often hear the myth that SR-22 insurance is only for drunk drivers. SR-22 insurance can be ordered for other drivers who have not driven drunk. Here are two other reasons you may be required to obtain and carry this type of auto insurance. 

You Have Been Caught Driving Without Insurance

If you have been caught driving without auto insurance multiple times, or if you were involved in a car accident and did not have auto insurance, the courts may require you to obtain an SR-22 auto insurance policy before they allow you to drive once again. 

You Have a Poor Driving Record

The second reason why the courts may require you to obtain SR-22 auto insurance outside of drunk driving is that you have a poor driving record. If you drive recklessly or have multiple accidents, the courts can require you to carry this type of auto insurance before reinstating your driving privileges. 

If you have been ordered by the courts to obtain SR-22 auto insurance, you may be in the market to buy one of these types of auto insurance policies. When you need one in the greater Lynnwood, WA area, let Sound Choice Insurance Agency, Inc. help you. Contact us today and let us help you find the best Sr-22 auto insurance policy for you. 

Anywhere a large number of cars is present, such as at the mall, thieves may also be present. This gives them a variety of vehicles that they can pick to break into. Allowing them to select the ones that look easiest or have items that appeal to them which are visible inside. At Sound Choice Insurance Agency, Inc., serving the greater Lynnwood, WA area, we want to help you to keep your car safe. Here are a few tips on how to keep your car safe from break-ins while at the mall.

Keep Your Doors Locked, and Windows Rolled Up

It may sound obvious, but one of the best ways to prevent your car from being broken into is to make sure your doors are locked, and your windows are rolled up all the way. Do not crack the windows. It may allow thieves easier access to your car. Always be sure your vehicle is locked when you walk away.

Hide Valuables

It is best not to store anything in your car. However, if you have bags from shopping or other valuables in your car, make sure they are hidden. If your vehicle looks empty, a thief may not want to waste their time.

Park in a Populated Area

The last tip to prevent car break-ins is to park in a populated area. You may want to park out away from other cars to avoid dings to your vehicle, but if your car is isolated, it makes it an easier target for thieves.

Keeping your car safe from break-ins is just one of the things you can do to keep your vehicle safe. Another important thing to do is to have the right insurance coverage on your car. If you are in the market for a new auto insurance policy in the Lynnwood, WA area, Sound Choice Insurance Agency, Inc. would love to assist you. Call us now to get started.

There’s no coast in the world quite like the American Northwest, and with a solid policy from Sound Choice Insurance Agency, Inc, you’ll be ready for anything the trip has to offer as you venture out from Lynnwood, WA. Here are the places you must check out on your way up and down the Washington coast:

Hobuck Beach

At Hobuck beach you can find surprisingly affordable cabins and camping spots for the night. Hobuck Beach is home to the Makah Tribe, who have lived in the area for thousands of years. Hobuck Beach can be found behind Cape Flattery. Nothing like the typical beaches of Washington, Hobuck is a hidden paradise.

Seabrook

A planned village inspired by the cozy little towns of New England, Seabrook is one of the sandier beaches in the state. Not to say we don’t love the beautiful rocky beaches of Washington, but sometimes you want to do a little sunbathing or run along the coast without your shoes on. Seabrook is the place to do it, and if you have friends to bring, it should be all the more fun.

La Push

La Push is one of the best fishing beaches in Washington and offers some of the most breathtaking views in the country. A small Quileute Indian village near the Canadian border, La Push is a great place to catch some tuna near the end of the Summer.

The roads can be treacherous along the coast if you’re not careful, especially in the rainier months. Make sure you have your policy sorted with Sound Choice Insurance Agency, Inc before you head out from Lynnwood, WA, and you’ll be ready to explore the Northwestern coast without any worries.

Give our agents a call or drop by our office to talk with a professional about your auto insurance today. Also, try our online rating tool for quotes on your home and auto insurance.