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Best Local Car Insurance Agencies in Bellevue

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Achieve Alpha Insurance logo
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Achieve Alpha Insurance

12505 Bel-Red Rd Ste 106, Bellevue, WA 98005
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Business Description

With Achieve Alpha Insurance is on your side, insurance isn’t complicated it’s easy. Our experts learn about your needs, recommend the right coverages, and find the best options for you by shopping across our large network of health, life, auto, and home insurance providers. We’ll earn your trust, because we don’t work for the insurance companies. We work for you!

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (37)
Yelp
5.0 / 5 (37)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Belltown Insurance Group Inc. logo
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License Verified:

License: 232817

Washington State Office Of The Insurance Commissioner

Belltown Insurance Group Inc.

3161 Elliott Avenue, Seattle, WA 98121
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Belltown Insurance Group Inc. is an independent insurance firm representing many reputable carriers to serve the insurance needs of individuals, families, and businesses in Bellevue and all of Washington State. Its experienced agents help vehicle owners secure car insurance policies that will give them support in the event of an automotive emergency. Available car insurance plans essentially have liability, collision, and comprehensive coverage, although clients may request additional protection. Belltown Insurance Group also insures motorcycles, boats, and RVs.

License Verified:

License: 232817

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (18)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
C. Don Filer Agency - Seattle logo
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License Verified:

License: 745209

Washington State Office Of The Insurance Commissioner

C. Don Filer Agency - Seattle

4201 Roosevelt Way Northeast, Seattle, WA 98105
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  • Multiple Carriers

Business Description

Situated in Seattle, C. Don Filer Agency offers a range of car insurance policies for Bellevue and its surrounding areas. Its financial coverage may include damages due to accidents, theft, and natural disasters. The independent agency believes in the importance of building long-term client relationships through a trustworthy service. Since 1947, its team has served more than a hundred local communities. It also supports charities such as The American Heart Association and The NOAH Center.

License Verified:

License: 745209

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (12)
Yelp
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cairns Insurance Agency logo
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License Verified:

License: 144755

Washington State Office Of The Insurance Commissioner

Cairns Insurance Agency

13500 Lake City Way Northeast, Seattle, WA 98125
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  • Boats

Business Description

Cairns Insurance Agency recognizes the auto insurance needs of its clients in Bellevue and the surrounding areas. The service provider searches for insurance coverages from multiple carriers such as GeoVera Insurance, PEMCO Insurance, Safeco, and Progressive. Its agents write liability and no-fault coverages that most states require drivers to obtain. They also provide protection coverage specifically for vehicles such as comprehensive and collision. The locally operated company has been providing personalized insurance for over 30 years.

License Verified:

License: 144755

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (4)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Christopher Togawa Insurance Agency logo
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License Verified:

License: 240939

Washington State Office Of The Insurance Commissioner

Christopher Togawa Insurance Agency

3837 13th Avenue West, Seattle, WA 98119
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  • Multiple Carriers

Business Description

Serving Bellevue and the nearby areas, Christopher Togawa Insurance Agency was established in 1988. Referred to as the "Super Team," the company lays claim to having mild-mannered professionals who are focused on providing all types of insurance services. Offering auto insurance, the company also assists vehicle owners with coverage for motorcycle, boat, and recreational vehicles such as ATVs. The team is willing to accommodate additional insurance protection involving earthquake, flood, and disability insurance.

License Verified:

License: 240939

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.7 / 5 (12)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Empire Insurance Brokers - Shoreline logo
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License Verified:

License: 18295744

Washington State Office Of The Insurance Commissioner

Empire Insurance Brokers - Shoreline

17544 Midvale Avenue North, Shoreline, WA 98133
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  • Multiple Carriers

Business Description

Empire Insurance Brokers is a locally owned and operated insurance agency that offers services to individuals and businesses in Bellevue and the surrounding areas. The agency is committed to helping vehicle owners find auto insurance policies that suit their needs and budgets. A full auto insurance policy generally includes comprehensive coverage, collision, liability, medical expenses, and roadside assistance coverage. Empire Insurance Brokers has been helping clients with insurance protection since 1996. It represents multiple insurance carriers, such as Nationwide, Safeco., Travelers, Progressive, and Foremost.

License Verified:

License: 18295744

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Services Group logo
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License Verified:

License: 55721

Washington State Office Of The Insurance Commissioner

Insurance Services Group

600 Main Street, Edmonds, WA 98020
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  • Multiple Carriers

Business Description

Established in 1980 by Scott Campbell, Insurance Services Group is an independent and full-service insurance management firm that works with residential and commercial clients located in Bellevue, Edmonds, Sequim, and the surrounding districts. The company offers personal and commercial auto, boat and watercraft, motorcycle, and off-road vehicle insurance products and solutions. Its team of agents has access to reputable insurance brands, such as Chubb, CIG, Foremost Insurance, and Liberty Mutual.

License Verified:

License: 55721

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (80)
Yelp
3.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
NRG Insurance logo
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License Verified:

License: 156887

Washington State Office Of The Insurance Commissioner

NRG Insurance

8636 45th Avenue Northeast, Seattle, WA 98115
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  • Multiple Carriers

Business Description

NRG Insurance is an independent insurance brokerage operating in Bellevue that specializes in car, personal, and business insurance across five states. Its team of advisors negotiates the best deals with partner carriers so that clients enjoy the benefits of full protection. It also caters to people with unique needs, such as telecommuters. NRG Insurance is the first brokerage in the country to go carbon-neutral and has been awarded the “Business in Green” award by the EPA.

License Verified:

License: 156887

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.1 / 5 (9)
Facebook
4.6 / 5 (9)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Phoenix Insurance Inc logo
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License Verified:

License: 1088077

Washington State office of the Insurance Commissioner

Phoenix Insurance Inc

16301 NE 8th St., Ste 241, Bellevue, WA 98008
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  • Motorcyle & ATV

Business Description

Phoenix Insurance Inc. is a Bellevue-based company that offers personal and commercial lines of protection. With access to policies from numerous providers, its team finds suitable coverage options for drivers, whether they are looking to protect their vehicles from collision or their passengers from injuries. Some of the carriers the agents represent include National General, Nationwide, Liberty Mutual, and Travelers. Phoenix Insurance was founded by Grace Zheng, who has almost two decades of global trade experience.

License Verified:

License: 1088077

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (41)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SafeInsure logo
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License Verified:

License: 781256

Washington State Office Of The Insurance Commissioner

SafeInsure

701 5th Avenue, Seattle, WA 98104
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  • Multiple Carriers

Business Description

SafeInsure is a woman-owned independent insurance agency that offers various insurance products like auto insurance to Bellevue clients. The agency offers a range of insurance quotes from various insurance providers, providing its clients their best options. Clients can choose the coverage to include in their policy, such as collision, comprehensive, liability, medical payments, and uninsured/underinsured motorist. Moreover, they can bundle their auto insurance with home insurance. SafeInsure also offers other vehicle insurance like a motorcycle, classic car, RV, and boat and personal watercraft insurance.

License Verified:

License: 781256

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Secord Insurance Agency logo
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License Verified:

License: 964215

Washington State Office Of The Insurance Commissioner

Secord Insurance Agency

265 NE 45th St, Seattle, WA 98105, Seattle, WA WA
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Established in 2005, Secord Insurance Agency is an independent and full-service insurance management firm that serves clients located in Bellevue and nearby areas. It offers a variety of insurance and risk management products and services, such as personal and commercial auto, motorcycle, vintage car, and rideshare insurance. The company also provides other policies under pet health insurance, as well as specialized insurance coverages for restaurants, retail businesses, and IT firms.

License Verified:

License: 964215

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (206)
Yelp
4.5 / 5 (127)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sound Insurance logo
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License Verified:

License: 100940

Washington State Office Of The Insurance Commissioner

Sound Insurance

9627 Aurora Avenue North, Seattle, WA 98103
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  • Bundling Option

Business Description

Sound Insurance is a locally owned and independent insurance management firm that serves clients in Bellevue and its surrounding districts. The company offers a detailed selection of insurance products and services, such as personal and commercial auto and motorcycle insurance, as well as teen driver coverage. It also manages filing, claims, and paperwork for SR-22 certification holders. The company has access to reputable insurance brands, which enables it to provide personalized options to suit the needs of each client.

License Verified:

License: 100940

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tonya Kellum logo
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License Verified:

License: 978352

Washington State Office Of The Insurance Commissioner

Tonya Kellum

8014 Lake City Way Northeast, Seattle, WA 98115
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  • Multiple Carriers

Business Description

Tonya Kellum is a State Farm insurance agent servicing the Bellevue community. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages. The agency also offers banking and investment services for clients. Kellum is a dog lover and is not biased towards any dog breeds. Her office offers fax, notary, and shredding services for clients. Services are available 24 hours a day.

License Verified:

License: 978352

Washington State Office Of The Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (61)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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