Auto Insurance

Get the auto insurance coverage you need at a price you can afford. Serving all of the Pacific Northwest and Arizona.

Elderly couple in car.The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or another covered event.

Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

As a local, independent insurance agency, A & M Insurance Services, Inc. can help you find the right policy for your car by comparing quotes and coverage options from several top providers. In addition to cars, we insure trucks, motorcycles, classic cars, motor homes, boats, Jet Skis, and other recreational vehicles like ATVs too.

Request a free online quote or call us at 425-228-7406 to get started.

How Much Auto Insurance Do You Need?

We’re based in Renton, so our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In most states, to drive you must carry:

  • Liability coverage — to pay for losses you cause others, or
  • No-fault coverage — to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.

We write insurance in Washington, Oregon, Idaho, and Arizona.  We would be happy to help you ensure you have the right coverage for where you live.

Financing a Car?

To finance a car, it is usually necessary to have insurance that covers physical damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Every situation is unique — talk to us today to find out how to get auto insurance. Request a free quote or call today at 425-228-7406.

Washington’s Auto Insurance Laws

Washington State Auto Insurance Laws & Requirements If you drive a vehicle that is required to be registered in Washington State, you must have one of the following: Auto insurance The car insurance policy must have liability limits of at least: $25,000 of bodily injury or death of 1 person in any 1 accident. $50,000 […]

Idaho’s Auto Insurance Laws

Idaho State Mandatory Insurance Laws and Requirements Auto insurance minimum liability requirements in Idaho Insurance limits refer to the minimum amount of coverage that you can carry and still be legally entitled to drive. From an insurance perspective, the limit is the most that they will pay for a claim. $25,000 bodily injury coverage per person is […]

Oregon’s Auto Insurance Laws

Oregon State Mandatory Insurance Laws & Requirements Oregon’s mandatory insurance law ORS 806.010 requires every driver to insure their vehicle. The minimum liability insurance a driver must have is: Bodily injury and property damage liability at $25,000 per person; $50,000 per crash for bodily injury to others; and $20,000 per crash for damage to other’s property​. […]

Arizona’s Auto Insurance Laws

Arizona State Auto Insurance Requirements No matter how carefully you drive, accidents still happen. The state of Arizona wants drivers to be protected in the event of an accident and so it requires all drivers to establish financial responsibility―carry liability insurance on their vehicles, in other words. Ways to Establish Financial Responsibility The number one […]

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