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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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Get the best value for your insurance without changing companies.

Changing companies is time-consuming and may not be your best option. Here are some reasons why.

Customers who stay with the same company have a statistically lower chance of turning in a claim. Therefore your insurance score will be lower after you change companies. A lower insurance score means a higher price.

You will lose any accident forgiveness credits if you change to a new company. Many companies offer accident forgiveness after three to five years. If you have an accident that is your fault, you won’t be charged the usual surcharge.

Companies value customer loyalty. Staying with a company for many years may cause the company to keep your insurance instead of canceling you if you have a couple of claims.

So how do you get the best value for your insurance? A better solution to save costs without switching companies is to review your policies yearly or whenever you experience a lifestyle change. Here at Hart Insurance, we have a comprehensive checklist that we will review with you.

Deductibles—A higher deductible means a lower price because you share more of the cost of a claim with the insurance company. If you haven’t had a claim for many years, your odds of having a claim are lower than average. Maybe you are handy and can fix small things. Why spend the extra money for a low deductible if you are unlikely to use it?

Credits— Each company offers different credits, so ask your agent to make sure you are getting all of the credits you deserve. Consider installing a telematics device in your car. It will track your driving habits for a period of time for up to 30% discount! Some companies give a discount just for you agreeing to install it.

Home value—Your home value will usually have a built-in inflation guard to be sure that your home value keeps up with inflation. With your policy review, be sure to have your agent recalculate your home value to be sure it isn’t too high or too low.

Top 5 Car Buying Pro Tips

Car buying, especially for first-time buyers can be a tedious process. Planning ahead and observing these 5 car buying tips will go a long way in ensuring you get an excellent ride. 

Do your research
Doing your research prior to walking into a car dealership prevents you from impulse buying. Luckily, the internet has all the information you would need about the car you would want to purchase. If you are looking for a new car, find out what the dealer paid the manufacturer as this will help you negotiate a suitable deal. If you are buying a used car, research on the resale prices for the model you aspire to buy. 
Evaluate different financing options
Car dealership financing mostly comes with higher interest rates compared to credit unions or banks. Besides, your bank could offer you a relationship discount that a car dealership will not. 
Negotiate the terms and ask for any discounts
Buying a car is one of the biggest investments one can make. The purchase price is usually not fixed. Knock it down and ask for any discounts that you might be eligible for. Such could include military, student, or credit union discounts. 
Consider the car’s insurance costs
Your vehicle’s insurance cost is influenced by factors such as its price and its model. You could get a ballpark figure of your insurance costs by submitting its make and model along with your age, driving record and other details to various insurance providers online. 

Ready to purchase your car in Federal Way, WA? Contact Hart Insurance today for a free estimate of your auto insurance coverage. We work with experienced agents who will guide you on the ideal coverage options for your car. Also, our coverage options are tailored to meet a wide array of auto insurance needs. 

Servicing States

  • Washington


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