Auto Insurance

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 fit 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

  • Multipolicy
  • Mutli-Car
  • 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 automobile.

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 medical and related expenses from a car accident regardless of who is at fault.

 

Comprehensive Coverage (other than collision)

Comprehensive is physical damage 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 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 Reimbursement - 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.

  • Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his... read more

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    RBerr
  • 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 more

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    Michael
  • Betsy Hytinen and Pam Pyle are the best insurance ladies ever! They are on top of their game, and quick to getting you the best insurance possible. 10/10 recommend!

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    Chloe
  • Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I... read more

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    Nicole
  • 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 more

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    Rhonda
  • 5 star ratingOver 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 more

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    O
  • Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and... read more

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    Paige
  • Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read more

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    Tommy
  • Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has... read more

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    Laura
  • Betsy and Pam take such great care of our Family's insurance needs!

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    Penny
  • 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 more

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    PK
  • Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more... read more

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    Matthew
  • 5 star ratingI'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... read more

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    Lisa
  • 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 more

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    Paul
  • Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!

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    Dannelle
  • I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read more

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    Trish
  • Service was awesome. Great experience all around. Definitely would recommend to anyone

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    Nathan
  • 5 star ratingWe recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.

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    Juliette
  • 5 star ratingMy 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 more

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    Elizabeth
  • Amy and Carlson Associates has been nothing but amazing. Amy answers emails as fast as we hit send and goes above and beyond to help us. We are in our first year of... read more

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    Jessica
  • Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!

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    Ryan
  • I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!

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    Melissa
  • As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read more

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    Amy
  • Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!

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    Allyson
  • 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 more

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    Ashley
  • 5 star ratingKevin 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... read more

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    Becky
  • I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!

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    Carley

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