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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Featured Insurance Blog

Month: August 2023

Medicare and Health Insurance Appointments

Posted on by Matt McColm
We have your insurance

October 15th through December 7th is the Annual Open Enrollment Period for Medicare. This allows people on Medicare plans to make an adjustment for plans that start the following year. If you had a big change in health or want to review plans then this is your chance to do so.

Book your appointment now

Medicare Appointment

Health is different. Health starts November 1st and runs until December 15th for plans that start January 1st. Then there is a bonus enrollment from December 16th through January 15th for plans that start February 1st.

Book Health or Medicare with Suzie in Wenatchee

Health appointment with Suzie

With our past enrollments we know that space is going to be limited. To give you a better understanding.

We have grown a lot!

We have sped up considerable. As the following is new policies that we have written for just 2023. This is not our full list as renewals grow every year for us.

We provide all of our clients with the opportunity to understand and change policies every year. This is why we request clients that want this opportunity to set their appointment ASAP. Yes, we have grown 241% since 2019. We run 7 days a week for most of the enrollment period.

PEBB and other retirement plans

If you want information about a PEBB Plan then you have to go to the Healthcare Authority. They do not contract with brokers and do not provide training for your plans. We recognize that they can use additional customer service but we can not answer your retirement plan questions during Enrollment Periods. Go here for PEBB & SEBB information and contact your state representative for more customer service for your retirement plan.

Apple Health at Wenatchee Insurance

The Apple Health Unwinding has a huge amount of people looking for insurance.

Apple Health started verifying their clients in April this year. This was after several years of pause due to the medical emergency. We set up a website and have been working hard at assisting everyone that we can in Central Washington keep their Apple Health or transfer into a plan that they can afford. Suzie and Matt work with Apple Health out of our office at 413 Mission in Wenatchee.

Healthcare Regardless of Immigration Status.

Matt at the Enrollment Center has been waiting for nearly a decade. November 1st we start Enrolling. A person can set their appointment now. Selection your appointment now and you can have a plan that starts January 1st 2024!

Suzie Appointment

An Home, Auto, or Business Policy in Wenatchee or start a quote on our Website.

Topics: Health Insurance, Medicare, Prescription, Plan D, Medicare Advantage, Enrollment Center, Wenatchee Insurance, Quincy, Immigrant Health Insurance, Medicaid, Apple Health, Unwinding, Molina, Community Health, Amerigroup,

Will skipping Home Insurance in Eastern Washington save me money?

Posted on by Matt McColm
Home Insurance is safety net

With the national average of homeowners insurance rising 20% to $1400 more people are choosing to go without. Twelve percent are choosing to ‘go bareback’ without home insurance and about half of the uncovered homes have an income of $40,000.  We created Wenatchee Insurance to provide more people access to shopping an independent agency.

My grandmother instructed me to always pay the fire insurance after the mortgage as she saw too many people lose everything. In 2014  Central Washington had the Carlton Complex fire with 553 structures lost and nearly half were uninsured. Nine years later not everything has recovered.

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Home insurance is like a safety net for your house. It helps protect you in case something bad happens, like a fire, a big storm, or a robbery. If you’re thinking about not getting home insurance, here are some things to think about:

Rules from the Bank: If you have a loan for your house, the bank might say you have to get insurance. They want to make sure their investment is safe. In some cases, if you default then they will purchase coverage in their favor at your expense.

Fall liability insurance

Being Ready for Trouble: If something really bad happens to your house, like a big fire, having insurance could help you pay for fixing things. If you’re confident you could pay for repairs yourself, you might consider skipping insurance. Do you have the thousands in the bank to rebuild your losses?

Where You Live: If you live in a place where things like floods, earthquakes, or fires can happen, it’s riskier. Insurance could help you if these things damage your house. In the Pacific Northwest, some studies are pointing to dryer, warmer summers which lead to more wildfires.

Stuff You Have: If you have valuable things in your house, like expensive electronics or jewelry, insurance could help replace them if they’re stolen or destroyed.

Someone Gets Hurt: If someone comes to your house and gets hurt, insurance could help pay if they sue you. Liability is a big issue.

Remember, skipping insurance could be risky. If something bad happens, you might have a hard time paying for repairs or replacing your things. It’s a good idea to talk to someone who knows about money and insurance before deciding. Wenatchee Insurance Agency shops multiple companies to make sure our neighbors can rebuild from a loss.

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Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Manufactured Home Insurance, Mobile home insurance, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Wild Fire, Carlton Fire, BLM, Eastern Washington, Climate Change, Drought, Independent Insurance Agency,

How does insurance bundling save me money?

Posted on by Matt McColm

Insurance bundling, also known as multi-line or multi-policy insurance, refers to the practice of purchasing multiple insurance policies from the same insurance company. Instead of buying individual policies for different types of coverage, such as auto, home, and life insurance, a customer can bundle these policies together.

While this used to be common in captive insurance companies, it has expanded into independent agencies as well. Some insurance providers will provide a bundling discount if another policy is within the same agency!

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Insurance bundling is convenient and can save money. Insurance companies typically offer discounts to customers who bundle multiple policies with them. This can lead to reduced premiums compared to purchasing each policy separately from different providers. Additionally, bundling simplifies the administrative process, as customers only need to deal with one insurance company for their various policies.

Common types of insurance policies that are bundled include:

Auto and Home Insurance: Combining these two policies is a common example of bundling. Customers who own both a vehicle and a home can benefit from a discount by purchasing both policies from the same insurer.

Life and Health Insurance: Some insurance companies offer life insurance and health insurance bundles. Yes, we can assist with Dental, Life, Health, and Medicare Insurance along with property.

Business Insurance Bundles: For business owners, insurance companies often offer packages that combine different types of business insurance, such as general liability, cyber coverage, commercial property, and business interruption insurance. These are often referred to as a Business Owner’s Policy or BOP.

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Umbrella Insurance: An umbrella policy provides additional liability coverage beyond the limits of your underlying auto or home insurance. Bundling an umbrella policy with auto insurance can provide comprehensive protection.

While insurance bundling can offer financial and administrative benefits, it’s essential to carefully review the terms, coverage limits, and costs associated with each bundled policy. Sometimes, the cost savings from bundling might be outweighed by limitations or higher premiums for specific coverage types. It’s good practice to compare bundled prices with the total cost of individual policies to ensure that you’re getting the best value and appropriate coverage for your needs.

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We make quotes easy

Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Car Insurance, Mobile home insurance, Apple Health, Medicare, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping,

The Ultimate Guide to Auto Insurance in the Evergreen State

Posted on by admin
Young driver ready with insurance and keys
We insure all ages

If you’re a new driver or changing auto insurance companies in Wenatchee, WA, navigating the auto insurance world can be a complex and daunting task. Contact the insurance professionals at Wenatchee Insurance Agency when you need help understanding auto industry terms like deductibles, minimum coverage, or liability. 

Why You Need Auto Insurance 

Licensed car insurance professionals can help guide you through the murky waters of auto insurance. Evergreen state drivers can feel more confident about choosing the best auto insurance policy when they understand insurance basics. 

Washington State Insurance Requirements 

One of the most important things to understand about getting auto insurance in the Evergreen State is that having auto insurance is mandatory for all drivers. Every driver operating a motor vehicle on Washington roads must have minimum liability insurance to financially protect other drivers from the costs associated with an automobile accident. Minimum liability insurance helps cover medical expenses and property damage caused by an auto accident. 

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Talk to your agent to learn about the basic requirements for getting the best car insurance policies in Wenatchee, WA and surrounding cities! 

Frequently Asked Questions

What kind of auto insurance do I need to drive in Washington?

Washington’s drivers need minimum liability insurance coverage to drive legally. They can also add optional coverages for comprehensive and collision to extend the limits of their policy. 

How much does liability insurance cost in Washington? 

The cost of a Washington liability insurance policy will vary since it depends on your driving history and other factors.

What factors affect my car insurance rate?

Licensed insurance agents can help you choose a policy based on your driving history, budget, and other factors. 

Schedule A Consultation Today!

Contact a licensed insurance agent at Wenatchee Insurance Agency to get a customized insurance quote today! 

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simple process for insurance
Wenatchee Insurance simple process

Which company has cheap car insurance in Washington State?

Posted on by Matt McColm
Need an SR22 for your driver's license?

Wenatchee Insurance is an independent insurance agency that shops for our clients with a variety of different companies. While we have an office in Wenatchee, we can write insurance policies from Yakima to Oroville and from Forks to Clarkston.

In Washington State, there are several insurance companies that specialize in providing coverage for high-risk drivers. Their preferred market is to offer insurance to individuals with a history of accidents, tickets, DUIs, or other factors that might make them considered “high risk” by traditional insurance companies. Some people mistakenly think that every plan offered by a “high risk” company is cheap.

Important: If you need an SR-22 then let us know before we quote. Not every company offers that service.

Pick up with police car issuing a ticket

Three insurance companies that often cater to high-risk drivers in Washington state include:

  1. Dairyland: As mentioned earlier, Dairyland specializes in providing insurance for high-risk drivers, including those with a history of tickets, accidents, or other challenges.
  2. The General: The General is known for offering insurance options to drivers who might have difficulty obtaining coverage from standard insurance providers due to their driving history.
  3. Progressive: Progressive is a well-known insurance company that also offers coverage for drivers with less-than-perfect driving records. They often have options for high-risk drivers.

It’s important to note that availability and rates can vary based on individual circumstances, including the specific violations or incidents on your driving record. When searching for high-risk car insurance in Washington state, we are independent insurance agencies, so we compare multiple companies for you.

In general, it’s not uncommon for someone to approach us for a high-risk company only to discover that they have a better rate with one of the different companies that we work with. We shop with about 20 different companies and sometimes a person who thinks Dairyland is the cheapest may find out that Nationwide or Allstate is a better fit.

Insurance is complicated. We literally use computers to help us determine the best companies after looking for discounts that most people don’t know are available. It’s not our job to judge, it’s our job to insure.

Topics: Wenatchee Insurance, Insurance Quote, SR22, General, Nationwide, Wenatchee, Chelan, Dairyland, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Ticket, discount insurance, Inclusive,

Tips for insuring reducing the cost of insurance for your manufactured home.

Posted on by Matt McColm
Manufactured home on hillside over looking valley with deck.
Inexpensive to put in but the views are worth it.
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Insuring manufactured homes can be cost-effective. These are not the old mobile homes of the past. They are definitely not a stick built. We have a couple of companies that we quote with at Wenatchee Insurance. Here are more tips to help you save money while insuring your manufactured home:

  1. Maintain a good claims history: Avoid frequent or unnecessary claims. Insurance companies often reward policyholders with lower premiums if they have a history of few or no claims.
  2. Consider the location: The location of your manufactured home can impact your insurance premium. The companies are looking at high fire dangers and high theft areas. When possible, choose a location that is less risky and more affordable to insure.
  3. Improve home safety: Enhance the safety features in your manufactured home to reduce risks. Installing smoke detectors, carbon monoxide detectors, and fire extinguishers may not only keep you safer but also qualify you for discounts on your insurance policy.
  4. Pay annually or semi-annually: If your budget allows, consider paying your insurance premium in one lump sum annually or semi-annually instead of monthly. This is always worth the ask.
  5. Review your policy annually: As your needs and circumstances change, your insurance requirements may also evolve. The annual conversation is important, we don’t know if you added a pool to your backyard if you don’t tell us.
  6. Inquire about discounts: Don’t hesitate to ask your insurance provider about available discounts that you might qualify for, such as early shopping, multi-policy discounts, or discounts for retirees.
  7. Consider additional security measures: If you’re in a high-crime area, investing in additional security measures like security cameras, motion sensor lights, or a monitored alarm system might lead to premium discounts.
  8. Avoid underinsuring: Make sure you have the right amount of coverage for your manufactured home. Being underinsured may leave you vulnerable in case of a claim. In the last couple of years inflation has really changed some values.

Remember, it’s essential to strike a balance between cost savings and having adequate coverage. Always discuss your specific needs and circumstances with your insurance provider to find the best insurance plan for your manufactured home.

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Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Manufactured Home Insurance, Mobile home insurance, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Wild Fire

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Suzie Health Solutions

Health & Medicare

For nearly a decade we have assisted with Health & Medicare Solutions. We are proud to be selected by the Washington Healthplanfinder to be one of ten Enrollment Centers located in Washington State.

We work with all ages and charge no fees.

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