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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Funny ways to save money on car insurance near me

Shopping for car insurance sucks. We know it and we do our best to do things differently at Wenatchee Insurance.

Car insurance by Wenatchee River Van

Saving money on car insurance doesn’t have to be a drag. Here are the top 5 humorous yet practical tips to keep your wallet happy:

Top 5

Battle of the Quotes: Treat insurance shopping like a reality TV show contest. Shayla enters the information into a rater and see which companies come out on top. May the best rate win!

Best of all no spam like from the some of the internet quote engines.

Deductible Daredevil: Boost your deductible to lower your premiums. It’s like a game of financial chicken—how high can you go without sweating bullets every time you drive?

Pro-tip: If you pay Deductible Daredevil put the amount into an interest bearing account so it is ready if you ever need it and you will be making a money from your stash.

Discount Detective: Turn into Sherlock Holmes and hunt down every discount possible. Safe driver? Check. Low mileage? Check. Anti-theft system? Triple check. Leave no stone unturned in your quest for the ultimate deal.

Bulk Buying Bonanza: Bundle your car insurance with other policies like homeowners or renters insurance. It’s like buying in bulk at the grocery store but instead of toilet paper, you’re saving on peace of mind.

Credit Score Gymnastics: Boosting your credit score can lower your premiums. Think of it as financial gymnastics—flex those credit muscles and watch the rates tumble!

With these tips, you’ll hopefully not only save some cash but also have a chuckle along the way!

Car Insurance Summary

Shopping for insurance can be overwhelming. At Wenatchee Insurance, we work hard at making insurance understandable and usable. We only work in Washington State and do not sell your data across the planet because we are an independent local insurance agency.

Insurance Bundle

What happens with insurance when I get in an accident with a deer in my truck?

Since the mid-1970s, Washington State DOT has removed a minimum of 5000 collisions with deer and 200 with elk every year. We have several areas in North Central Washington where wildlife collisions are frequent. Around Wenatchee, we have an abundance of Mule deer to the north and south of the city. Along the Methow and Okanogan River Valleys also have large impact numbers. We need to have a conversation about deer accidents.

When an insurance policy covers a deer accident (or any other accident involving a collision with an animal), it’s typically under the “comprehensive” coverage portion of an auto insurance policy. Here’s a breakdown of how insurance might cover a deer accident:

Comprehensive Coverage:

Description: This covers damage to your vehicle that isn’t caused by a collision with another car. This includes theft, vandalism, natural disasters, falling objects, and, relevantly, collisions with animals like deer.

Deer Accident: If you hit a deer and have comprehensive coverage, the damage to your vehicle would typically be covered. You would be responsible for paying your deductible first, and then the insurance company would cover the remaining repair costs up to the value of the vehicle.

Liability Coverage:

Description: Liability insurance covers bodily injury and property damage that you cause to others. It doesn’t cover your own injuries or vehicle damage.

Deer Accident: This wouldn’t come into play if you only hit a deer. But, if hitting the deer caused you to then collide with another vehicle, your liability coverage might cover the damages or injuries you caused to other parties.

Collision Coverage:

Description: This covers damage to your vehicle when it collides with another vehicle or object.

Deer Accident: Generally, collisions with animals are covered under comprehensive, not collision. But if, for example, you swerved to avoid a deer and hit a tree or another car, then collision coverage would come into play for damages to your vehicle.

Medical Payments (MedPay) or Personal Injury Protection (PIP):

Description: These are optional coverages in many states that can cover medical bills for you and your passengers regardless of who’s at fault. This is a good to have coverage.

Deer Accident: If you or a passenger were injured in the accident with the deer, MedPay or PIP could potentially cover medical expenses.

Uninsured/Underinsured Motorist Coverage:

Description: This covers your injuries or property damage if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance.

Deer Accident: This coverage wouldn’t apply to a deer accident unless you were somehow involved in an additional accident with an uninsured or underinsured motorist immediately afterward. Deer are animals and do not have liability insurance.

Important Notes:

The specific details of coverage can vary based on your insurance company, your policy, and local regulations.

If you live in an area with a high deer population or frequently travel through such areas, it’s wise to ensure you have comprehensive coverage to protect against potential deer collisions.

After a deer accident, it’s important to document the scene, report the accident to the police (if required), and contact your insurance company as soon as possible.

Remember to always check your specific policy details or consult with your insurance agent to understand exactly what’s covered.

Topics: auto insurance, home insurance, independent insurance broker, deductible, Wenatchee Insurance, Okanogan, Methow Valley, Deer, Chelan County, Douglas County, liability, property


If you need a song. The following is done to 9 to 5 written by Dolly Parton.

 (Verse 1)

Woke up with the rooster, at the break of dawn,

Coffee brewin’, new day spawnin’, put my work boots on,

Drivin’ down the gravel path, radio playin’ tunes,

But what I didn’t see comin’ changed my plans real soon.


From 9 to 5, I’m workin’, breakin’ my back,

But that deer in the middle, gave my truck a big ol’ smack,

Insurance on my mind, with each hour of the grind,

Oh, from 9 to 5, life can sure be unkind.

(Verse 2)

Pulled over to the side, under that mornin’ sun,

Thought of all the paperwork, oh man, ain’t this fun?

Checked my glove box quickly, for that policy of mine,

Sure hope comprehensive’s got me covered this time.


Tumblin’ through the hours, on that ol’ office chair,

Thoughts of my truck, and that deer, oh life ain’t fair,

But with the right coverage, and a little bit of grace,

I’ll get through this day, at this relentless pace.


From 9 to 5, it’s hustle, and life’s little dives,

Dealing with the unexpected, like deer jumps and archives,

But I’ll clock out with a smile, and a story to share,

Oh, from 9 to 5, gotta handle life with care.

(Verse 3)

Lunchtime in the break room, shared my tale with Sue,

She laughed and said, “Honey, same thing happened to Lou!”

Seems like we’re all in this, this 9 to 5 bind,

Dealin’ with the day-to-day, and what we might find.


So when the day’s endin’, and I’m headin’ to my door,

I’ll count my blessings, think of what’s in store,

From 9 to 5, or whatever hours we strive,

With a little bit of rhythm, we’ll keep that hope alive.

When a Car Crashes Into Your living room: Who Foots the Bill?

Car crashes into house

Every now and then, residents of Washington come across startling images on their Facebook feeds of cars or trucks colliding into homes. Naturally, the immediate question is: Who covers the repair costs? Imagine a Wenatchee homeowner relaxing with the latest Stranger Things episode when suddenly a sports car crashes into their living room. The flat screen goes flying, the cat freaks out and the night is ruined. The urgency to find out who’ll fix everything is real. The answer is straightforward with a couple of twists.

Who’s Responsible?

Good News: The driver responsible for crashing into your home is liable for the damages, typically covered by the Property Damage section of their auto insurance liability. In a perfect world, they will be paying for everything. Sometimes perfection needs a hand.

Not-so-Good News:

There’s a catch. Roughly 20% of drivers in Washington State don’t have any auto insurance. In fact, the state ranks fifth in the number of uninsured drivers. This means if such a driver crashes into your home, you can’t claim any compensation from them.

Additionally, in Washington, the minimum Property Damage coverage for auto policies is $10,000. So, if repair costs exceed this amount, the insurance company will pay you up to this limit, leaving you to cover the rest. This underscores the importance of opting for more than just the minimum liability coverage.

Car in Kitchen, who makes the claim?

How Do I Cover the Repair Costs?

Bright Side: Your Home Insurance is likely your savior here. Central to your policy are ‘Perils’, essentially risks or incidents, your policy covers. Most home insurance policies offer coverage for damages from car crashes. Your dwelling coverage steps in to facilitate home repairs, while personal property coverage compensates for damaged items. However, remember your deductible. If the damages (or the amount left after the auto claim payout) are less than your deductible, claiming might not be beneficial. Thus, consulting your insurance agent is key.

Understanding your policy’s ins and outs is crucial. Working with a local independent insurance agency like Wenatchee Insurance can help you customize a policy best suited to your needs. With their representation of multiple companies, you’re assured optimal coverage. Reach out to our team today for a comprehensive understanding of your options.

Topics: auto insurance, car insurance home insurance, independent insurance broker, deductible, Wenatchee Insurance, Chelan County, Douglas County, liability, property, local insurance,

Thieves love pickup trucks in Washington State.

Four of the top ten stolen list were pickup trucks. They are handy. I have used them from a couple hauling a couple of bales of hay to helping countless friends move. It’s not a surprise that thieves like them too.

Let’s start with prevention first.

To prevent your car from being stolen:

  1. Always lock your car when you’re not using it.
  2. Consider using a steering wheel lock or immobilizer.
  3. Install a car alarm system.
  4. Use a hidden kill switch to disrupt the car’s starting.
  5. Consider a GPS tracking system.
  6. Park in well-lit and busy areas.
  7. Avoid leaving valuables in the car.
  8. Don’t keep spare keys in the car.
  9. Use signal-blocking pouches for keyless entry fobs.
  10. Use window tint to make it harder for thieves to see inside.

The reason that we are talking about this is from 2019 to 2022 the vehicle theft rate increased by 31% in Washington State. This can increase insurance rates.

Top Stolen Cars in Washington

Recently the National Insurance Crime Bureau released the list of Washington State’s most stolen vehicles list:

RankModelYearNumber stolen
1.Ford Pick up (Full Size)19994,121
2.Honda Civic20003,267
3.Honda Accord19972,613
4.Chevrolet Pick up (Full Size)20041,575
5.Honda CR-V2001/20001,338
6.Ford Pick up (Small Size)1997858
7.Toyota Camry2007791
8.Subaru Legacy1998771
9.Dodge Pickup (Full Size)2001744
10.Hyundai Elantra2018698

In addition to the Hyundai Elantra, the national list had the Hyundai Sonata and Kia Optima which has been a social media phenomenon when it has come to thefts.

If your vehicle is stolen then:

Report to the police immediately. When reported as stolen in the first 24 hours, passenger vehicles has a 34% same-day recovery rate in 2022.

Report it to the insurance company. They will probably ask for the police report number. If you have comprehensive coverage then you have coverage that covers theft.

While liability is required in the state comprehensive coverage is not however it is one of the good to have coverages that you want to talk with your insurance agent about.

We make quotes easy

Topics: Truck Insurance, Car Insurance, Auto Insurance, Wenatchee Insurance, Comprehensive, stolen car, Independent Insurance Agency, Hyundai, Kia, Ford,

How do I Insure my license in Washington state for cheap?

When you drive in Washington state, you are required to have your liability covered. In most cases that means insurance.

Some folks look to ensure their license in order to save money.  These policies have some restrictions that may not work for all conditions. For example, if your friend needs to borrow your truck to move a couch, they would be missing coverage since only you would be covered.

Broad form insurance, often referred to as “broad form auto insurance. Broad-form insurance typically covers more drivers and vehicles under a single policy, making it a convenient option for some individuals. However, it’s important to note that broad-form insurance may not be available with all insurance companies, and its availability and specific terms can vary from one insurance company to another.

Here are the key characteristics and features of broad-form insurance:

Multiple Drivers and Vehicles: Broad-form insurance allows you to cover multiple drivers and vehicles under a single policy. This can be beneficial for households with multiple drivers or individuals who frequently drive different cars.

Named Insured: In broad form insurance, the policy is usually issued in the name of the primary policyholder (the named insured).

Convenience: Broad-form insurance is convenient because it eliminates the need to purchase individual insurance policies for each driver and vehicle in the household. This can potentially save time and reduce administrative hassles.

Limitations and Restrictions

Limitations and Restrictions: While broad-form insurance offers convenience, it often comes with certain limitations and restrictions:

Coverage is typically limited to the named insured and listed drivers. Unlisted drivers may not be covered.

Coverage might not extend to rental cars or vehicles owned by others outside the household.

It may not provide the same level of coverage as traditional auto insurance, and coverage limits may be lower.

Affordability: Broad-form insurance may be more affordable than purchasing separate policies for each driver and vehicle because it combines coverage into a single policy.

Before considering broad-form insurance, it’s essential to carefully review the terms, limitations, and coverage options with your insurance agency. You should also assess whether it meets your specific needs and whether there are any gaps in coverage that you need to address, such as coverage for rental cars or additional liability protection.

We make quotes easy

Topics: Wenatchee Insurance, Insurance Quote, Car Insurance, Auto Insurance, Wenatchee, Chelan, Health Insurance, Home Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Hyundai, Truck, Broad form, License Insurance, SR22, Cheap Car Insurance,

Can I get cheap car insurance for my Kia or Hyundai?

Young driver ready with insurance and keys
We insure all ages

We have been talking about the Kia and Hyundai problem for a few months. In February and in May.

If you have a Kia or a Hyundais then you may be experiencing a challenge in insuring them. You are not alone. There are more than eight million Hyundais and Kias from the model years 2011 to 2022. There are websites dedicated to the issue.

There are websites for Kia owners and Hyundai owners to get more information about their specific vehicle.

The manufacturers have had a $200 million dollar settlement. As part of it owners can get a software upgrade and if software cannot be installed then get up to $300 to buy their choice of anti-theft devices. There is a resurgence of the ‘90s classic “Club” which is a steering wheel lock.

Steering wheel lock to slow down thieves

TikTok Challenge and Kia Boys

Instagram and TikTok have had multiple videos including some “challenge” videos about how easy they are to steal with a USB because of their lack of immobilizers. The popularity of the “Kia Boys” was enabled by social media as thieves began to steal them for their views and clout.

Due to the ease of the thefts and the sheer volume of thefts some insurance companies have stopped covering them. We have several companies that we work with that do cover them. There is also the option of insuring your license with a Broad Form if the vehicle is paid off.

What can we do?

While these are great little cars do not expect every insurance company to insure them cheaply. We run them through an exchange to see what companies are still writing them for the lowest cost.

Topics: Wenatchee Insurance, Insurance Quote, Car Insurance, Auto Insurance, Wenatchee, Chelan, Health Insurance, Home Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Kia, Hyundai, TikTok, TikTok Challenge, Kia Challenge, Kia Boys, Instagram

The Ultimate Guide to Auto Insurance in the Evergreen State

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. 

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! 

simple process for insurance
Wenatchee Insurance simple process

Which company has cheap car insurance in Washington State?

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,

Where can I get a car insurance quote?

People are shopping their car insurance in large numbers.

Wenatchee Insurance Agency offers several advantages for quoting car insurance. These advantages include:

  1. Choice and Access to Multiple Insurance Companies: As an independent insurance agency, Wenatchee Insurance Agency works with multiple insurance companies. This allows us to offer quotes from multiple providers, giving customers access to a wider range of options. Customers can compare coverage and prices more easily without having to enter their information to multiple corporations.
  2. Personalized Service: Independent insurance agents, like those at Wenatchee Insurance, provide more personalized service in a non-corporate manner. We are part of Eastern Washington and offer a neighborly approach to insurance. Customers can expect a more personal touch when interacting with the agency.
  3. Flexibility and Customization: Independent insurance agencies have the flexibility to tailor insurance policies to meet the unique needs of customers. They can offer a variety of coverage options, deductibles, and policy limits, allowing customers to customize their car insurance based on their preferences. Sometimes you need car insurance and on other occasions you will have home and health insurance questions. Wenatchee Insurance understands that not everyone fits into a standard policy and aims to provide customized solutions.
  4. Long-Term Relationship: Wenatchee Insurance focuses on building long-term relationships with our clients. We aim to be the insurance agency of choice for our clients for the next 50 years. This means we prioritize the client’s needs beyond a single sale and strive to provide the best practices and services for years to come.
  5. Competitive Pricing: Contrary to popular belief, independent insurance agencies like Wenatchee Insurance can often offer competitive pricing. They have the advantage of shopping around on behalf of the customer and leveraging their relationships with multiple insurance companies to find the best rates available. This allows customers to secure affordable coverage without compromising on quality.
Claim conversations before they happen

It’s important to note that the specific advantages may vary depending on the independent insurance agency and the insurers they work with. Wenatchee Insurance Agency was built in response to customer requests for home and car insurance to Suzie and Matt.

Do you have any additional questions or is there anything else you would like to know about Wenatchee Insurance Agency?

Topics: Wenatchee Insurance, Insurance Quote, Car Insurance, Auto Insurance, Wenatchee, Chelan, Health Insurance, Home Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping

With my business logo on my car do I need a commercial auto policy?

Flower delivery for work

As an insurance agent at Wenatchee Insurance Agency in Wenatchee, Washington, I would advise you on the need for a commercial auto policy if you had your logo on your car. We look for policies that when a customer needs them, they will be available to make a claim.

If you have your logo displayed on your car, it indicates that you are using the vehicle for business purposes. In such cases, it is generally recommended to have a commercial auto insurance policy. Personal auto insurance policies usually exclude coverage for vehicles used for business activities.

Insurance companies are looking to deny claims. A few years ago, I had a friend that was delivering flowers for their company. They hit some ice and wrecked the car. Since it was written for personal use the insurance company denied the claim. A proper policy and the insurance company would have been required to pay and my friend would still have their flower shop.

Here’s why you should consider a commercial auto policy:

Proper Coverage: A commercial auto policy is specifically designed to protect vehicles used for business purposes. It provides coverage that may not be included in a personal auto insurance policy.

Liability Protection: Commercial auto insurance offers higher liability coverage limits to safeguard your business in case of an accident where you or your employees are at fault. This coverage protects against potential lawsuits and claims for bodily injury or property damage caused to others.

Business Assets: Commercial auto insurance can help protect your business assets by providing coverage for damages to your vehicle(s) used for business. It helps you recover the costs of repairs or replacement, minimizing the financial impact on your business.

While personal auto insurance policies may provide coverage for vehicles used occasionally for business purposes, having a dedicated commercial auto policy ensures that you have appropriate coverage tailored to your business needs.

woman delivering pizzas with her car holding clipboard

If you are delivering pizzas or doing Ride Shares from your car then you really need to let your insurance agent know. Please keep in mind that insurance requirements and policy details may vary based on your specific location and circumstances. It’s always a good idea to consult with a licensed insurance agent at Wenatchee Insurance Agency. We can provide personalized guidance based on your unique situation and help you choose the right insurance policy to protect your business.

Topics, Wenatchee Insurance, Auto Insurance, Car Insurance, Commercial Insurance, Pizza Delivery, Ride Share, Flower delivery, Chelan County, Douglas County, Independent insurance agency

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