Why auto insurance rates are increasing, meet our newest agent, what to store in a home safe and more!
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820 Market Street # 1
Kirkland, WA 98033
Phone: (425) 821-1000

A Message from Ken

Auto Insurance Rate Increases
Auto insurance rates are rising. I know, my rates for my own car have risen too. Here at the office, we have daily conversations with clients about why rates are increasing and do we have a lower rate with another carrier. Since we haven’t spoken with everyone (yet), I wanted to highlight a few of the reasons why we’re seeing unprecedented rate increases. 
1.) People are driving more. Maybe it’s the cheap gas. Maybe it’s because cars are more comfortable. But driving is up 3.5% from 2014 to 2015.
2.) There are more new cars on the road. We set a record here in the US with 17.5 million vehicles sold in 2015. New cars have advanced technology with more sensors, and features that simply cost more. Aluminum and high strength steel cost more to repair than regular steel. I used to roll down my window to adjust my outside mirror. Now that “same” mirror can be adjusted electronically, has a turn signal light and will automatically defrost when I turn on the defroster.
3.) Accident frequency is up 3%.
4.) Traffic deaths have increased 7.7% from 2014 to 2015.
5.) Bodily injury costs paid related to automobile accidents increased by 32% between 2005 and 2013.
6.) Total-Loss claims have risen 12.7% between 2013 and 2015. Airbags and the advanced technology in new cars only add to this problem.
Finally, in my own humble opinion, the # 1 reason for the increase in Auto rates is due to DISTRACTED DRIVING due to cell phone use. Drivers are simply taking their eye’s off the road for an extended period of time and having accidents at 50 or 60 mph. Sure, we had high speed accidents before the invention of the smart-phone, just nowhere near the high numbers we’re seeing today.

Below are links to several articles about auto insurance rate increases:  
Warren Buffet: Auto insurance rates will go up
Car and Driver: Traffic Deaths Continue Alarming Climb in First Half of 2016
Today Show Video: Why car insurance rates are rising at a record pace
Fox Business: Auto Insurance Rates Rising
Car and Driver: 9 Most Dangerous Things Drivers Do
Drive safe and be careful out there.
Thank you,
Ken Martin

Meet Our New Outside Agent, Zac Cleveland

Zac spent the last six years in the car business before becoming a licensed property and casualty insurance agent. 

He was born and raised in Tacoma, WA and moved up North back in 2009. Zac enjoys being active and can be found playing basketball, golf or working out in his free time. He comes from a large and close knit family. He enjoys helping people and creating long lasting relationships with clients. 

Our Referral Program 

Thank you for continuing to refer your friends and family to our Agency.  For every $10 gift card we sent to our clients for their referrals, we matched that amount to the following charities in 2016:
American Lung Association
Bellevue School District
Wounded Warriors
Childs Play
American Cancer Society
As a reminder, your referrals mean the world to us! We work hard to earn each referral with great service and appreciation for your business every day. As our way of saying thank you, we’d like to include you in our “Help Our Community” referral program.

For every referral we receive, we will send you a FREE Starbucks’s coffee card for $5.00; and donate $10 to the American Lung Cancer organization. Also, every month we have a monthly drawing. The referral winner receives $25.00 and we donate $25.00 to the charity of the winner's choice.

The person you refer doesn’t have to purchase a policy. There are many worthy charitable organizations in our community. Help us, help them! Our referral program is open to anyone, whether they’re a client or not. 

Attention Boat and ATV Owners

Boat & ATV season is almost here. As your insurance agency, we want to make sure you are covered and have appropriate insurance for you and your family. 

Call us today for a quote or an insurance review.

From Our Blog

Owning a Home Safe & What to Store In It 

If you don’t own a home safe, it might be time to make the purchase. Not only can they help with theft of valuables or family heirlooms, but they can also protect special documents. A home safe is priceless when the unexpected occurs. Documents and valuables can be kept out of harm should you ever experience a home fire or burglary. These reasons alone should be a good motive to invest in a home safe.
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Six Tips If You're Preparing to Sell Your Home

Preparing to sell your home can be a large undertaking. Often, people put off repairs on their home that don’t bother them, but would certainly deter prospective buyers or set off an alarm to a home inspector of other problems. If you’re preparing to sell your home, follow these steps to ensure you get the top dollar and avoid any unexpected last-minute repairs.
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