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Vern Fonk Insurance Agency In Bellingham

Have you checked out our Bellingham Insurance Agency yet? Our expert agents can help everyone find a great rate on all types of insurance products.  Our full service insurance agency in Bellingham loves the people in the area and we take pride in getting our clients the best possible rates.

Shopping for insurance in Bellingham has never been easier. Our insurance agency can help you find insurance even if you are considered “at risk”.

We offer these types of insurances and more:

  • Car
  • Sr22 Insurance
  • Homeowner’s Insurance
  • Auto Insurance
  • Business Insurance
  • Renter’s Insurance
  • Motorcycle Insurance
  • High Risk Insurance

Stop by or call us today!

Portland Oregon Location

Most people know that Vern Fonk can get the best insurance rates in Washington state, but did you know that we’re in Oregon too?  We’ve been helping the residents of Oregon get great rates on home, car and business insurance for years.

Our Portland, Oregon Insurance Agency cares about Portland people! We’re here to help the people of Portland find the best insurance products for their situation.

  • Car Insurance
  • SR22 Insurance
  • High Risk Insurance
  • Homeowner’s Insurance
  • Business Insurance
  • Motorcycle Insurance
  • Commercial Auto Insurance
  • Trucking Insurance
  • Contractors Insurance
  • Surety And Contract Bonds
  • RV Insurance
  • Renters Insurance

Come check us out today!

Should I Get Broad Form Coverage?

For many drivers, broad form coverage may be the best option. If you don’t have money to spend on extra car insurance, broad form coverage may be the right way to go for you. Washington state allows insurance companies to issue this unique type of coverage. Not every US state allows it, and we’re luck to have the option.

Broad form coverage is typically a lot less expensive than other auto insurance policies. This is because the coverages are different in many ways. If you are considering purchasing broad form coverage in Washington you need to look at all of your options before making the decision.

Broad form car insurance is a type of insurance policy that only covers the person who is on the policy. It insures the driver instead of the car. Most car insurance policies rate will depend on what type of vehicle you own, as well as your personal driving history. Broad form coverage insures just the driver, and the premium is based on the driving history of the insured.

Broad form coverage is good for people with multiple cars, because it doesn’t matter how many cars you drive, your policy premium will be the same. It doesn’t matter if you buy a new car or sold an old one.

Business owners can also benefit from broad form coverage. They can insure their employees and anyone who has access to their company vehicles.

If you have questions about broad form coverage or want to get a quote on broad form insurance in Washington, call Vern Fonk! We’re the area experts in this type of insurance.

What is Broad Form Insurance?

Most people have never heard about Broad Form Coverage before,

unless they work in the insurance industry. Washington State is one of the few states that allows this type of policy. What’s different about it you ask? Let us tell you a little more…

Most auto insurance policies cover damages for a specific car.  Broad Form Named Operator Coverage actual provides insurance on a specific driver, not a car.  This type of insurance is great because you pay the same amount of money wether you have no car or ten cars, you will be covered under your drivers license.

Broad form named operator coverage is great for employees, executives or other people who drive “company” cars, or who don’t own a vehicle.

Read more about BROAD FORM INSURANCE on our website. or call an expert auto insurance agent today!

Is Broad Form Coverage Right for Me?

Broad form auto insurance is a great option for many drivers.  If you need insurance and don’t have a ton of money to spend, it may be the right option for you.  We are lucky that Washington state allows insurance companies to issue this unique type of coverage. Broad Form Insurance is typically less expensive when compared to other auto insurance policies, but the coverages are completely different.  If you are thinking about broad form coverage you should weigh the pros and cons to decide if it is right for you.

Broad Form Auto Insurance

Broad form auto insurance is a type of insurance that covers only the person who is on the policy.  It insures the actual person instead of the car. Most auto insurance policies are designed to be purchased on your car, where broad form coverage insures a certain driver, basing it off of their driver’s license.  The policy is great for people who own multiple cars, because it doesn’t matter how many cars you drive, your policy premium will stay the same.  You won’t even have to call us to tell us that you’ve purchased a new car or sold and existing one.

Business Owners

Broad form auto insurance is a great option for business owners because they can insure their employees, executives or others who have access to company vehicles, but doesn’t own a car themselves.  If you have questions about this type of insurance for your company ask one of our agents if it will work for you!

Single – Unmarried Drivers

If you are unmarried, single, with no children, broad form coverage can be a great option for you.  You are less likely to have others in the car with  you and you probably don’t have multiple cars or drivers that need to be insured.

There are some things you should consider if you are thinking about buying a broad form policy:

- You and only you, are covered while driving a car you own or have permission to use.

- You are not covered if you let someone else drive a car you own. If something were to happen, you’d be held responsible legally.

- You are not covered if you are driving a motorcycle, motor home, or while driving for business use.

- You are not covered for any physical damage that happens to a car you own or drive.

Category: Insurance

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