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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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When Does My Auto Insurance Cover Theft?

Hart Insurance provides auto insurance policies capable of protecting you from the fiscal impact of car theft. However, this coverage does not come with every auto insurance policy.

Liability Only May Not Be Enough

If an accident occurs and it’s your fault, your policy will shoulder the costs related to the other party’s vehicle damage and respective medical costs up to your policy’s limits. But what about your vehicle?

Securing Your Vehicle Against Theft

Comprehensive coverage is designed to cover theft of your vehicle if your car never gets recovered. However, keep in mind that collision coverage is also needed to pay for damage to the vehicle incurred during the theft.

Contact Us for Coverage

Many people think, “That won’t happen to me.” Unfortunately, our experience at Hart Insurance suggests otherwise. We frequently encounter situations where people in Federal Way, WA, and across the state experience financial loss due to being underinsured. Don’t become another statistic – let us assist you in avoiding this fate. Contact Hart Insurance today and fortify your vehicle coverage.

Does my auto insurance protect me if items are stolen from my vehicle?

If you only have the minimum possible auto insurance, you only have the minimum protection. Your insurance policies are basically contracts, and it is essential to understand what kinds of protection you have.

Basic Minimum Auto Insurance

If you have only the minimum coverage required by law, you are only protected if you cause injury or damage to someone else. Furthermore, the limits are relatively small. Unless you opt to increase coverage, you may be responsible for paying for medical bills or repairs out of pocket because you have reached your policy limits.

Comprehensive Auto Insurance

Comprehensive auto insurance offers several other kinds of protection for damage not caused by a collision. If a tree falls on your car during a storm, you will need comprehensive coverage to help repair or replace your vehicle.

Other events covered by comprehensive auto insurance include vandalism, theft, fire, and damage caused by animals. Unfortunately, the theft coverage is for cases where your vehicle or vehicle parts are stolen. Your auto insurance will probably not cover items stolen from inside your vehicle.

Make Sure You Have the Protection You Need

If you want to protect the items in your vehicle, you need to see if you are covered under your homeowners’ or renters’ insurance. This may be important electronics such as your smartphone or laptop.

Protect your Federal Way, WA property by ensuring you have the necessary coverage. If you have any questions or want to see how you can add the protection you need to your insurance, please call Hart Insurance today.

How Classic Car Insurance Differs From Traditional Auto Insurance

Car insurance comes in many different forms. From primary liability to comprehensive, there’s a coverage type out there for any situation. However, when you own a classic car in Federal Way, WA, the coverage provided by a traditional car insurance policy likely doesn’t account for every aspect of your vehicle. This is where classic car insurance comes in. If you’re looking to fully protect your pride and joy, the insurance professionals here at Hart Insurance can help.

Why You Need Classic Car Insurance Instead

Traditional auto insurance is excellent for a modern, commonly owned car. Still, when you have a pristinely restored 1958 Chevrolet Corvette you like to take out on the weekend, this type of insurance just doesn’t cut it. Should an accident occur on the road or a natural disaster strike at home, the standard policy is unlikely to cover the full extent of the car. This is because the cost of replacement parts, bodywork, and paint aren’t accurately accounted for in the vehicle’s valuation.

With a policy designed specifically for classic cars, the value of the car (and, therefore, its coverage) is set through a discussion between the agent and the owner, which accounts for all of the time and effort put into restoring and maintaining a classic. This can be the difference between getting what a standard insurance provider thinks the car is worth and its actually worth.

Protect Your Ride Today With Help From Hart Insurance

Insuring your classic car doesn’t need to be a hassle. At Hart Insurance, we’ll do the heavy lifting for you, comparing all of your options from the top companies in the country so you can focus on enjoying your ride. For more information, contact our offices in Federal Way, WA today!

Why Is It So Important to Properly Maintain Your Tires?

Here at Hart Insurance, we provide auto insurance products to individuals in the greater Federal Way, WA area. While insurance is there to cover you in case of an accident, we hope that you will never have to use it. One way to minimize your chance of being involved in an accident is to maintain your tires properly. Read on to learn why this is so important.

Why Is It So Important to Properly Maintain Your Tires?

Your tires are one of the most important parts of your vehicle. They help your car to grip the road. If your tires are not adequately cared for, your vehicle may slide when coming to a stop, have trouble gripping the road when wet, or even blow out while driving, making a vehicle extremely hard to control.

What Steps Should You Take to Maintain Your Tires Properly? 

There are many steps you should take to maintain your tires properly. This includes ensuring your tires are always inflated to the correct PSI per your owner’s manual. You should also inspect your tires regularly, looking for signs of wear or damage. Lastly, always have your tires replaced when the tread starts to wear.

Properly maintaining your tires is one of the best tips to help reduce the chances of being involved in an auto accident. However, no matter what steps you take, you cannot completely prevent an accident from occurring. This is why it is so important to have auto insurance that protects you in case of an accident. Hart Insurance, serving the greater Federal Way, WA area, would love to help you with your auto insurance needs. Reach out to us today to get started.

Don’t Be Caught Driving Without Car Insurance

Are you a licensed driver in Federal Way, WA? Are you insured to drive? It is against the law to drive uninsured. Let Hart Insurance provide you with the coverage you need to be in compliance with the law.

Several factors determine your insurance rate: your credit score, driving record, vehicle type, and location. Insurance premiums can change from one zip code to another, from one state to the next. Rates in rural areas will be less than those in the city. Types of coverage are:

  • Liability – By law, this is the most important coverage. All drivers need this if they injure someone else in an accident. The coverage will apply to you and any other driver listed on your policy.
  • Collision – This pays for damage to your vehicle or property. The cause can be a collision with another car or if you hit an object, such as a tree or fence.
  • Comprehensive – This coverage pays you for theft, loss, or damage to your car caused by something other than a crash or collision. It can include fire damage, hail damage, falling objects, or damage caused by hitting an animal.
  • Uninsured/underinsured motorist coverage – Protects you if you are involved in an accident where the other driver has no insurance or insufficient insurance.
  • Property damage liability insurance – Covers you in accidents when you are liable. It pays for repairs to the other driver’s car or property you may damage.
  • Personal injury protection or medical payment coverage – If you or a passenger in your car are hurt in an accident, this coverage can help pay for the resulting medical expenses. This coverage also covers lost wages if you or an injured person cannot work. It covers funeral expenses in the event of a death.

Hart Insurance can provide you with a quote or answer any questions you may have. Contact our team today.


Should I Update my Auto Insurance Policy?

Having auto insurance here in Washington is mandatory and one of the best gifts you can give your car. Auto insurance policy protects you against unfortunate incidences like thefts, accidents, or even fire. However, it would help if you had the right insurance policy from the start to avoid surprises during a claim.

Updating your insurance policy from time to time helps you have the right insurance. Most people like to stick to the initial policy even after making some changes, not knowing that failure to update your insurance can complicate your claim process. If you are asking whether you should update your auto insurance policy, Hart Insurance has prepared reasons for you to review your policy.

  • When you buy a new car: If you have just bought a new car, it’s time to let your insurance agent know. Most companies will allow you to move your current policy to your new vehicle. However, your premium may change depending on the new car’s value.
  • When you change the existing car’s use: Update your policy if you make significant changes to your current vehicle. Some of the changes may include notifying your agent about business use.
  • Moving to a new address: One of the key influencers of your policy cost is where you live. If you move homes, let your insurer know to determine whether there will be changes in your policy.
  • When you have a teen driver:  Your insurer may deny claims involving a teen or young driver if they are not on your policy. Having your young driver on your policy may give them prior insurance credits when they move out and need to start a policy of their own.

Auto insurance in Federal Way, WA 

Perhaps it’s also time you reviewed your coverages with us. Are you looking for auto insurance in Federal Way, WA, and its surroundings? Look no further than Hart Insurance for a coverage review and proposal.

Is Auto Insurance Required in Washington?

In the state of Washington, it is required for all drivers of any type of motor vehicle to have at least a liability insurance policy in place. This type of policy will cover any damages or injuries that are caused by you in an accident. While having liability insurance in place is required, you may want to obtain additional insurance which the staff at Hart Insurance in Federal Way, WA recommends.

Underinsured/Uninsured Motorist Coverage

Had to have underinsured or uninsured motorist coverage in place in case you were ever involved in an accident that is deemed to be the fault of the other driver and that particular driver has no insurance or not enough insurance to cover the damages that were caused to your vehicle or injuries that you have sustained or those of your passengers.

Comprehensive Insurance

Comprehensive insurance coverage is very important because it will help you repair or replace your vehicle if it is stolen or damaged due to something like a natural disaster occurring or a fire or act of vandalism. If you still owe money to a lender for your vehicle, more than likely they will require that you have this type of coverage in place to also protect the investment they made in your vehicle.

Collision Insurance

Collision insurance is great to have in the event you collide with another vehicle or a stationary object. For instance, if you back into someone’s garage door and damage the door, collision insurance would help pay for the damaged garage door.

Call For a Quote Today!

Your policy started or to at least obtain a quote for your auto insurance policy, contact the insurance agents at Hart Insurance in Federal Way, WA.

Your Spring Vehicle Safety Checklist

As spring arrives and the weather slowly begins to warm up, it’s time to start thinking about de-winterizing your car. Just a few simple steps can refresh your vehicle, making driving safer and avoiding costly repairs down the road. This is why Hart Insurance Federal Way WA has put together this handy guide to spring vehicle safety for the Federal Way, WA area. 

1.  Maintain Your Tires 

Once temperatures rise over 45 degrees, change from your winter tires to a good all-season tire. You may also want to consider all-weather tires, which may be used all year long, though the selection for this type is currently small.  New tires are best, but if you are putting on used tires ensure the treads are okay. Tires should always be within their recommended pressure range which is usually 30-32 psi. 

2.  Check Your Fluids

Clean and optimal fluids keep your vehicle running at its best. Dirty or insufficient oil in your engine risks mechanical parts breaking down. Coolant and antifreeze are run through the wringer during winter, so it’s important to make sure that their levels are adequate. Brake fluid should be changed every one or two years. Additionally, fluids such as transmission or differential fluid need to be changed every 60,000 miles.

3. Inspect Your Air Filter

Dirty air filters can reduce your gas mileage up to 10% and drastically impair your engine performance. Luckily, replacing an air filter is easy to do at home, and should be a regular part of your seasonal vehicle inspection.

4. Be Insured

This may sound obvious coming from us, but having the right auto insurance policy does help when things go wrong. That’s why Hart Insurance wants to make sure everyone in the Federal Way, WA area has a policy that fits their needs. Whether you’re sticking to home or planning a big trip this spring, visit our site today to request your comprehensive auto insurance quote

Do I Need Classic Car Insurance If My Car Is Stored in a Garage?

Classic car insurance in Federal Way, WA might seem unnecessary if you keep your car in the garage. We won’t lie, a garage or storage facility is a major protector. It’s such an important factor that insurance companies will tailor the price of the policy based on the answer to this question. However, before you dismiss it entirely, Hart Insurance has a few things for you to consider. 

Accident Protection 

If you’re storing your vehicle in a garage at all times, either because you want to preserve it until a certain event or because you’re fixing it up. The odds are that it will stay safe from thieves, and collisions. Yet a storage facility or garage isn’t an impenetrable bubble either.

If you have people coming and going out of the structure, whether it’s you or your family, there’s always a chance that something could happen. Even if the garage isn’t used on a regular basis, everything from time to Mother Nature has a way of making its own changes that owners aren’t prepared for. So if a tree happens to fall on the facility after a year or two, classic car insurance can certainly come in handy. 

Get Some Advice 

The best way to make the decision if you live in Federal Way, WA is to talk to someone who’s seen it all. There’s no use in being afraid of everything that could potentially happen to your classic car — some things are simply out of your control. But there’s also no use in denying the facts either. If you want to a more informed classic car owner, reach out to Hart Insurance to ask the questions and get the answers that will help you decide. 

Understanding Comprehensive Coverage on Your Auto Insurance

You already know that you have to have liability insurance to stay legal on the road here in Federal Way, WA. But did you know that there’s an optional first-party coverage that helps protect your vehicle from natural disasters, theft, and fire? Keep reading to learn more about comprehensive insurance coverage from our Hart Insurance team.

What is Comprehensive Insurance?

Comprehensive insurance is first-party coverage that pays to fix your vehicle in the event of a natural disaster, such as a storm, hail, or even a falling tree. It covers incidents involving animals, such as a bear causing damage or hitting a deer. And the coverage also covers some other situations that aren’t caused by nature, such as theft, fire, and vandalism.

You are usually subject to a deductible, which you select at the time you purchase your policy. Most people stick within the $500 or $1,000 range, but this really comes down to personal preference. Your deductible is paid directly to the repair facility after damages are fixed.

Is Comprehensive Insurance Mandatory? Do I Have to Have It?

A lot of people wonder if this is a mandatory type of insurance. The answer to this is both yes and no. Comprehensive coverage is not legally required to carry, but your finance company likely has it written within your purchase contract that you must have it. Thus, if you’re still making payments on your car, you’ll want to make sure you have comprehensive coverage and collision coverage to protect the investment.

Are you looking for an auto insurance quote in Federal Way, WA? Please contact our Hart Insurance team today to schedule a no-obligation coverage review appointment.

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