Insurance is designed to protect you from the expenses of unexpected and unavoidable life events. The most important way to protect yourself is to design an auto insurance plan that fits your needs. Our agency works for YOU to find auto insurance that fits your needs at a competitive price. Our independent insurance professionals have the ability to shop insurance for you to find competitive coverage in the marketplace.
Understand your auto insurance before the unexpected happens
Important Auto Insurance Coverages
- Bodily Injury Liability
- Property Damage
- Personal Injury Protection & Medical Payments
- Uninsured/Underinsured Motorist
- Comprehensive (other than collision)
- Collision (Collision with other vehicle/objects)
Auto Insurance Discounts
- Low Mileage
- Advanced Quote
- Telematic Device
- Accident Free/Violation Free
- AARP Member Discount
Bodily Injury Liability
Coverage to pay for injury and harm to others in an accident where you are found liable.
Property Damage Liability
Coverage to pay for damage to others property caused by your auto.
Uninsured Motorist / Underinsured Motorist
Liability coverage to take care of you when another party injures you or causes harm to you when they have no insurance or less insurance than you.
Personal Injury Protection & Medical Payments (No-Fault Coverage)
Coverage that pays for you and your passengers for medical and related expenses from a car accident regardless of who is at fault.
Comprehensive Coverage (other than collision)
Comprehensive is physical damage is coverage for your vehicle that happens any way other than a direct collision. Examples of these are theft, vandalism, falling objects, flood, etc. Comprehensive will pay the fair market value for your car to repair or replace your vehicle (less your deductible). Comprehensive is not required by the state to carry, but typically is required if your vehicle is financed or leased.
Collision Coverage (Collision with other cars or objects)
Collision is physical damage caused to your vehicle in an automobile accident that occurs in a direct collision with another vehicle or object. In a collision, you pay your deductible and you can get your vehicle repaired or receive the fair market value for your vehicle. Collision is typically required as well if your vehicle is financed or leased.
Other Coverage Options
- Rental Car Reimbursment - Covers your rental car expense in the event of an accident or covered loss
- Roadside Assistance & Towing
- OEM Parts - An endorsement you can add for newer vehicles to have Original Equipment Manufacturer (OEM) used to repair your vehicle
- GAP Coverage/Loan Lease - Coverage that will pay the difference between the market value on your vehicle and the loan amount if there was a total loss to your vehicle
Everyone’s situation for insurance is unique so it is important to find insurance that fits your needs. One of our insurance professionals can help assess what your needs are and help design an auto insurance plan that will protect you at an affordable cost.
Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read morePaul
Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage.... read morePK
I've been a customer of Carlson and Associates since moving to Gig Harbor 5 years ago. I currently work with Antone who is fantastic! He listens to what we are needing in regards to policies... read moreLisa
My husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read moreElizabeth
Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a... read moreAshley
Over the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that... read moreO
Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read moreRhonda
Kevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he puts... read moreBecky
I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read moreMichael