Car Insurance in Bremerton, WA

5 Driving Habits to Master Every Time You Get Behind The Wheel

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Car Insurance in Bremerton, WAAccording the National Highway Traffic Safety Association, 391,000 individuals were injured & 3,477 were killed from distracted driving in 2015. Insurance premiums have skyrocketed because of distracted driving and increases in traffic accidents.  Distracted driving isn’t just talking on the phone or texting but can include reading articles or email, eating, brushing your hair, or any other way you’re trying to multi-task while driving.

Consider practicing good driving behavior by mastering these 5 habits every time you get inside your vehicle.

  • Put your phone OUT of reach when entering your vehicle.

The back seat or placed in your bag or purse inside your trunk, along with other belongings can be a good start. If you can’t fathom doing this, continue to ask yourself, “Can it wait?” every time you want to reach for your device. Most likely it can. It may help to put your phone on mute to avoid the desire to reach for it when it alerts you of an incoming call or new text message/email. If you feel you always have to be readily available to take a phone call, pull your car over & park it before answering the call.

  • Program your GPS or identify where you need to go before driving your vehicle.

Be sure to activate voice commands so your eyes can stay on the road 100{07aebebc339bbee9a3661b4a8c8244910a166561f3ef72e2cc28f7e9f72be199} of the time.

  • Groom Before or After, Not While Driving or Sitting at a Stop Light

If you find yourself running late often & grooming last minute, transition yourself out of the habit of grooming while driving. Practice doing this once you’ve arrived at your location or before you even start your vehicle.

  • Eat While Parked

Don’t risk eating and driving. Instead, simple park your car and eat your meal before getting back on the road.

  • Be a Role Model for Your Friends and Family

Not only demonstrate to your kids how you do not drive distracted, but also explain the dangers of doing it. If you find yourself riding along with a friend or family member, speak up if the driver is using an electronic device while driving. Offer to deliver their text message for them, act as the co-pilot or make the phone call.

If we all practice safe driving habits, we will all be better off.

H&K Agency Inc. is a no-fee independent insurance agent specializing in property and vehicle insurance designed to fit your needs. We represent a variety of top insurance companies in Washington State who offer terrific coverage at the best prices.  Our services are available throughout Port Orchard WA, Bremerton WA, Silverdale WA, and the surrounding areas. For all of your personal insurance needs, give our knowledgeable agents a call at (360) 377-7645.

Classic Car Insurance Bremerton, WA

Is Your Classic Car Insurance Policy Customized To Your Needs?

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Classic Car Insurance Bremerton, WAMany of us collect classic cars and for good reason – they’re valuable assets and they’re fun! Regardless of what you collect or why you collect it, we all share a passion for these vehicles of the past.

For those of us who are classic car enthusiasts we need an insurance policy that matches our use and ensures that the value on our vehicles is appropriate.

Insuring your classic car is not the same as insuring your every-day driver. Insurance policies are typically less expensive and are written on an agreed value. Your classic car insurance policy can be custom tailored just to your specific vehicle, stage of restoration or usage.

Here are some examples of how you can tailor your classic car insurance policy:

Example 1: If you don’t really drive it but want to protect it in the event of an unforeseen claim, you can get a policy like that.

Example 2: If you use your classic car as an off-road vehicle and don’t want to protect the vehicle from damages from branches or other collisions, there is a policy for that.

Example 3: For those individuals who love to take their classic car on a road trip, there is coverage to protect you if you break down & it can offer a replacement vehicle, food, shelter and more.

Example 4: Need unique parts for your classic car due to a loss? There’s a policy that offers stock original replacement parts.

Each person is unique as the vehicle they collect and that is why it is imperative to talk to an insurance agent to find just the right policy for your classic or antique automobile.

Additional consideration should be made if you have a personal umbrella policy with another carrier. That carrier will typically require you to carry sufficient limits on your classic car to match the coverages on your everyday driver. This ensures you don’t create a gap in coverage, even if you rarely drive it.

H&K Insurance Agency can shop through several of our top-rated classic car insurance companies. Each insurance company specializes in specific policies such as insurance for regular use users, street rod enthusiasts, classics undergoing restoration or classics that need spare parts coverage. We’ll search to find the best coverage for your needs. Get a quote today.

Do My Roommate and I Need a Separate Renters Insurance Policy?

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Renters Insurance in Bremerton, WAAs a local insurance agency, we are here to help with all your insurance questions.  When it comes to renters insurance, many people assume that since they are renting an apartment, home or condo, they are fully covered by their landlord if anything unfortunate occurs.

Your landlord’s insurance policy should cover any damage to the property itself but, it will not protect against any of your personal property or liability you cause. If you were to experience water damage, for instance, if your neighbor’s pipe burst above you and damaged your personal property, you would NOT be covered.

Renters Insurance protects:

  • Personal Property: items clothing, furniture, electronics, bicycles or jewelry from theft or fire, smoke, or water damage. If you have expensive individual items you may need additional insurance coverage.
  • Liability Coverage: if someone is injured in your home helps cover legal fees and medical bills if you’re held liable.

Is my roommate covered with my policy?

If you are not related to your roommate (parent, sibling or spouse), most likely your roommate is NOT covered. However, each insurance company is different so please ask one of our licensed agents to confirm.

Luckily, renters insurance is an inexpensive way to make sure that your personal effects are covered in the event that damage occurs in your rental unit. Contact our agency and speak to one of our licensed agents. You may even be able to bundle your renters insurance with another line of insurance, like your auto insurance, for a discount. Get a quote today.