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Driving in Kitsap County, Washington
Auto Insurance

Auto coverage built for Pacific Northwest driving

Simple process. Coverage that fits how you actually drive.

Whether your daily routine is the morning commute over the Tacoma Narrows, a ferry ride into Seattle, or weekend trips to the Hood Canal with the boat in tow — we'll help you find auto coverage that fits the way you actually live. Washington law requires liability coverage, but the right policy does more than meet the legal minimum. It protects you when something goes wrong on the road.

As your local agent, we make the process simple. No confusing jargon, no coverage you don't need — just clear options and honest answers.

Call (360) 824-9252 to speak with a licensed agent at our Port Orchard or Bremerton office.

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Coverage you can count on

Coverage for everything you drive

We don't just cover cars. From daily drivers to weekend toys, if it moves, we can probably help you protect it. Our team will walk you through your options and help you build a policy that covers what you actually own.

  • Personal Auto
  • Commercial Auto
  • Motorcycle
  • Boat
  • RV & Travel Trailer
  • Classic Car
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Washington?
Washington requires liability coverage of at least 25/50/10 — that is, $25,000 for injuries per person, $50,000 total per accident, and $10,000 for property damage. This is the legal minimum, not what most drivers actually need. We recommend higher limits for anyone with assets to protect, plus uninsured motorist coverage — Washington has one of the higher uninsured-driver rates in the country.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, deer strikes). If your car is financed or leased, lenders almost always require full coverage.
Should I carry uninsured motorist coverage in Washington?
We strongly recommend it. Roughly 1 in 5 Washington drivers is uninsured, and if one of them hits you, your own UM/UIM coverage is what fills the gap. Washington insurers are required to offer it, and most clients keep it on the policy.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and using telematics programs. Annual policy reviews catch cases where your rate drifted up or your coverage no longer matches your life.
Do you cover motorcycles, boats, RVs, and classic cars?
Yes — we write specialty policies for motorcycles, boats, RVs and travel trailers, and classic cars. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.

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