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Category Archives: Bellevue Insurance

Prostar Insurance has the most respected and secure markets for Clyde Hill Homeowners Insurance. In fact, many homeowners are unaware of the multitude of available options to not only lower their insurance premiums by hundreds of dollars a year but to increase their coverages as well.

‘Gosh Jimmy, how do you do THAT?!!?’

Well it’s simple really! When you contact an independent insurance agency, they have access to multiple insurance companies rating systems. So instead of going to one company like Farmers, Allstate, or Geico where they only have one companies’ product to sell you on- The independent agency has access to many companies products all at the same time! This helps to match you with the perfect insurance company that meets your needs!

Prostar Insurance has the markets and know-how to make sure your Clyde Hill home is safe, secure, and covered.

1 (888)304-5538

We have to admit, Clyde Hill, WA is a great place to live- Excellent views for many homeowners, relatively safe(except for the Clyde Hill Coyotes), a quiet spot surrounded by the urban areas of Bellevue and Seattle. High-value homes demand a special look at your insurance. Prostar Insurance has fostered a special relationship with companies that specialize in high-value home insurance. Sometimes there are coverages that you may need that a normal insurance company doesn’t carry. It may not cost much more, its just that high-value homes are not their specialty- therefore they don’t offer extra coverages.

With recent prowlers targeting Clyde Hill, it might be advantageous to reevaluate your current insurance and go with a company that more often-than-not increases coverage AND lowers your monthly premium, while moving to a well-respected insurance carrier. Prostar Insurance specializes in Clyde Hill homeowners insurance and would be happy to help you, we’re right around the corner!

Prostar Insurance

13400 NE 20th St #8

Bellevue, WA 98005

425.208.0035

Many people assume that their auto insurance rate is a static component of their monthly bills, never questioning how changes in their lifestyle can have a drastic effect on insurance premiums by certain carriers. However, there are lots of insurance carriers serving Washington and the greater Seattle area that might honer certain changes you make that another well-respected company may not. The trick is to shop around but this takes time and diligent effort to obtain a company that has the best balance of coverages versus what you are paying in premiums. Prostar Insurance does the shopping for you with dozens of the most well-respected insurance carriers in the Pacific Northwest. If you want to stay on top of your insurance month after month to take advantage of incentives that other companies may offer, here are a few instances where you should check your policy:

Is your credit score significantly higher or lower than before? Sometimes a bad credit score is matched with a low accident or violation history and a lower rate than any other carrier emerges. It simply depends on how companies place their weights.

Are you turning 25? You will see a significant drop. This is widely accepted throughout the auto insurance industry.

Bought a home? Homeowners are considered more stable and reliable. Also many companies offer home and auto packages that can save thousands of dollars a year.

Take a driving skills course– insurance companies offer discounts to drivers that are smarter on the road. A driving skills course can teach anything from skid controlling defensive driving to advanced safety maneuvers. Not only will you save cash, you might learn the skills to keep you and your family safe in a variety of driving scenarios.

The Seattle insurance arena has been a wild one this season. Many Seattle business owners have been plagued with arson, threat of flood, record freezing temperatures, and low consumer spending adding to the burden of a tough economy. It is crucial that Washington residents secure their insurance because a loss of a home or business is nothing to brush off, for most of us, it’s our biggest asset. However we can look at an overview of the prominence of Seattle-area insurance claims has taken in the past 6 months.

3 tips for avoiding insurance claims in Washington state:

1) Expect the unexpected: This may sound cliche but it is the #1 rule that governs a smart insurance owner. I’m sure many of the Seattle business owners in Greenwood had no idea their very own neighborhood would be the target of a string of arsons causing over $2 million in damages to a handful of businesses. The point is that trends can spark up anywhere and can be confined to your area. If your home of business is in a low, valley area; a not-so-uncommon Seattle rainstorm can cause damage to your roof, walls, and basements even if the year before, things were fine.

2) Protect against a DUI: Now we’ve all heard this one before but listen up for a second… We all know .08% BAC is the legal limit. We see the signs everywhere- but how do we know what .08% FEELS like? Ask your parents this question, they won’t be able to answer and will go on about how ‘its just smart to not drink and drive’.

These are the little voices in the back of our head. However, from a practicality standpoint, there are times where we like to enjoy a drink at a happy hour after work or we drive to a bar that we like in Beltown when we live in Fremont and at some point, we must drive home. So, for these times that we have to get behind the wheel an hour or two after a drink how do we gauge our BAC?  Get yourself a good Breathalyzer! Not a $40 one, not a $70 one. Get a $120+ one, MINIMUM.  Do your research and find on that is approved by the FDA and meets DOT/NHTSA model specifications for breath alcohol screeners, this way you can start testing yourself and become more in tune with how you feel when over the limit. DUI’s cost thousands of dollars and eat up massive amounts of your time, a good breathalyzer costs a hundred bucks and can be shipped to your doorstep. Of course, this is no sure-fire way to not get a DUI besides the obvious, but the idea here is that you can begin to gauge what .08% FEELS like so you can then make smarter decisions about getting behind the wheel in Seattle. Washington state is very strict on DWI laws and will skyrocket your insurance premiums if given a DUI. Especially if you are young, becoming more in tune with your BAC level and the law can be one of the smartest investments of your life.

Know your coverage compared to state requirements-

If your cruising along in Bellevue with your 25/50/10 coverage limits and smash into a $150,000 Mercedes or hit a pedestrian and cause $200,000 in hospital care, you might be in big trouble with your insurance

Prostar Insurance does not write state minimums on Washington insurance policies for one reason, we don’t believe the state minimums adequately reflect what the majority of people need in protection. Whether it comes to your auto coverage or your business liability, knowing your coverage and adequately securing the right amount is key to success. Prostar Insurance knows what is adequate and will work with you to achieve these goals.