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Vern Fonk Insurance Agency In Bellingham

Vern Fonk insurance BellinghamHave you checked out our Bellingham Insurance Agency yet? Our expert agents can help everyone find a great rate on all types of insurance products.  Our full service insurance agency in Bellingham loves the people in the area and we take pride in getting our clients the best possible rates.

Shopping for insurance in Bellingham has never been easier. Our insurance agency can help you find insurance even if you are considered “at risk”.

We offer these types of insurances and more:

  • Car
  • Sr22 Insurance
  • Homeowner’s Insurance
  • Auto Insurance
  • Business Insurance
  • Renter’s Insurance
  • Motorcycle Insurance
  • High Risk Insurance

Stop by or call us today!

Portland Oregon Location

Vern Fonk Insurance Portland, ORMost people know that Vern Fonk can get the best insurance rates in Washington state, but did you know that we’re in Oregon too?  We’ve been helping the residents of Oregon get great rates on home, car and business insurance for years.

Our Portland, Oregon Insurance Agency cares about Portland people! We’re here to help the people of Portland find the best insurance products for their situation.

Our Portland, OR Insurance Agency offers great rates on:

  • Car Insurance
  • SR22 Insurance
  • High Risk Insurance
  • Homeowner’s Insurance
  • Business Insurance
  • Motorcycle Insurance
  • Commercial Auto Insurance
  • Trucking Insurance
  • Contractors Insurance
  • Surety And Contract Bonds
  • RV Insurance
  • Renters Insurance

Come check us out today!

Should I Get Broad Form Coverage?

For many drivers, broad form coverage may be the best option. If you don’t have money to spend on extra car insurance, broad form coverage may be the right way to go for you. Washington state allows insurance companies to issue this unique type of coverage. Not every US state allows it, and we’re luck to have the option.

Broad form coverage is typically a lot less expensive than other auto insurance policies. This is because the coverages are different in many ways. If you are considering purchasing broad form coverage in Washington you need to look at all of your options before making the decision.

Broad form car insurance is a type of insurance policy that only covers the person who is on the policy. It insures the driver instead of the car. Most car insurance policies rate will depend on what type of vehicle you own, as well as your personal driving history. Broad form coverage insures just the driver, and the premium is based on the driving history of the insured.

Broad form coverage is good for people with multiple cars, because it doesn’t matter how many cars you drive, your policy premium will be the same. It doesn’t matter if you buy a new car or sold an old one.

Business owners can also benefit from broad form coverage. They can insure their employees and anyone who has access to their company vehicles.

If you have questions about broad form coverage or want to get a quote on broad form insurance in Washington, call Vern Fonk! We’re the area experts in this type of insurance.

What is Broad Form Insurance?

Most people have never heard about Broad Form Coverage before, unless they work in the insurance industry. Washington State is one of the few states that allows this type of policy. What’s different about it you ask? Let us tell you a little more…

Most auto insurance policies cover damages for a specific car.  Broad Form Named Operator Coverage actual provides insurance on a specific driver, not a car.  This type of insurance is great because you pay the same amount of money wether you have no car or ten cars, you will be covered under your drivers license.

Broad form named operator coverage is great for employees, executives or other people who drive “company” cars, or who don’t own a vehicle.

Read more about BROAD FORM INSURANCE on our website, or call an expert auto insurance agent today!

Is Broad Form Coverage Right for Me?

Broad form auto insurance is a great option for many drivers.  If you need insurance and don’t have a ton of money to spend, it may be the right option for you.  We are lucky that Washington state allows insurance companies to issue this unique type of coverage. Broad Form Insurance is typically less expensive when compared to other auto insurance policies, but the coverages are completely different.  If you are thinking about broad form coverage you should weigh the pros and cons to decide if it is right for you.

Broad Form Auto Insurance
Broad form auto insurance is a type of insurance that covers only the person who is on the policy.  It insures the actual person instead of the car. Most auto insurance policies are designed to be purchased on your car, where broad form coverage insures a certain driver, basing it off of their driver’s license.  The policy is great for people who own multiple cars, because it doesn’t matter how many cars you drive, your policy premium will stay the same.  You won’t even have to call us to tell us that you’ve purchased a new car or sold and existing one.

Business Owners
Broad form auto insurance is a great option for business owners because they can insure their employees, executives or others who have access to company vehicles, but doesn’t own a car themselves.  If you have questions about this type of insurance for your company ask one of our agents if it will work for you!

Single – Unmarried Drivers
If you are unmarried, single, with no children, broad form coverage can be a great option for you.  You are less likely to have others in the car with  you and you probably don’t have multiple cars or drivers that need to be insured.

There are some things you should consider if you are thinking about buying a broad form policy:

- You and only you, are covered while driving a car you own or have permission to use.
- You are not covered if you let someone else drive a car you own. If something were to happen, you’d be held responsible legally.
- You are not covered if you are driving a motorcycle, motor home, or while driving for business use.
- You are not covered for any physical damage that happens to a car you own or drive.
-If another policy provides coverage on the car you are driving, Broad Form Named Operator Coverage will be excess of that coverage (secondary)


Celeb Cars and Insurance

Many people buy cars that fit their personalities, or they buy cars in order to make a statement. This is especially true for celebrities. Whether they’re using their cars to say “I’ve made it”, “I care about the environment”, or “I’m a tough guy”, the right car can make or break a star.

Kim Kardashian in her Rolls Royce - Courtesy of : celebrities (especially “new-money” celebs) go for broke and end up buying the flashiest and most expensive luxury mobiles out on the market. Kim Kardashian, for example, owns a Bentley Continential GT with monogrammed seats, a Mercedes G63 offroader, a Ferrari 458 Italia, a Black Range Rover HSE, a Rolls Royce Phantom and a Rolls-Royce Ghost. She has reportedly spent over $1,200,000 on cars alone in the last 3 years.

rnold with one of his Hummers - Photo Courtesy of : many years, a staple of the celebrity: a Cadillac Escalade, has sold like hot cakes from Hollywood to New York. These SUVs are perfect for celebrities and their posses to get from place to place in privacy. The vehicle is luxurious enough to even appear in many music videos of rappers and R&B singers. Arnold Schwarzenegger has been sporting all different models of the Hummer for over 15 years now, and it only contributes to his macho man persona.

Cars can even give a celebrity a way to look more “laid back” or “down-to-earth”. Take Justin Timberlake, he has been seen driving around in a Jeep Wrangler. Rob Dyrdek drives a Chevrolet Tahoe and Kristen Bell drives a Chevy Volt.

George Clooney - Photo Courtesy of : celebs use cars to make a political or environmental statement. A new trend has some major celebrities like Leonardo DiCaprio and George Clooney buying Hybrid cars to show that they support clean energy and saving the environment. The most common car in this category is the Toyota Prius, but George Clooney has recently purchased the 2 seater electric Tango 600.

While most celebrities are used to getting things for free, there is no such thing as free car insurance. Most insurance companies treat celebrities just as they would treat anyone else, and their car insurance policy premium would depend on the same things as all the others: type of car, driving history, etc.

SR22 Insurance Tips

SR22 insurance isn’t made for everyone, but if you need it, there are a few steps you’ll need to follow. We’ve broken down the SR-22 basics to help you know more about it and what you’ll need to do.

What is SR-22?
An SR22 Certificate is proof of financial responsibility that many people are required to have. The SR-22 proves that you have at least the minimum amount of insurance required by your state.

Who needs SR22 Coverage?
There are many reasons someone could be required to obtain sr22 insurance. The most common reasons why someone would need to obtain it are because they have a DUI or DWI on record, or were caught driving without a license or insurance.

If you’ve been told you’re required to get sr22 insurance, don’t worry. Vern Fonk specializes in finding cheap auto insurance coverage for everyone, and we are experts with everything to do with SR 22. We’ll help you file all the necessary paperwork and get you back on the road as soon as possible.

The SR 22 Process
The SR22 certificate must be filed with your state’s Department of Motor Vehicles. Vern Fonk Insurance Agents can help by filling out the necessary paperwork for you and will make sure all your bases are covered. The SR22 will contain all of your personal information as well as your auto insurance information. It is very important that this document is filled out correctly and completely as it certifies to the DMV that you are legal to drive.

If your insurance coverage changes at any point during your SR22 period, your insurance company is required by law to notify the DMV. This includes any late payments, lapses or gaps for any reason. These changes could cause your driving privileges to be revoked or suspended and it is extremely important that you find an insurance agency that knows how to handle SR22 cases.

So if you’ve found yourself needing help with SR22 insurance, let Vern Fonk help you! We’re experienced in all SR22 options and know how to get you back on the road again.

The Worst Celebrity Drivers

We’ve broken down some of the worst celebrity drivers. Most celebs hire someone to drive for them, but these guys prefer to leave their own trail of car parts scattered all over Hollywood Boulevard and beyond. You name it and they’ve got it: Hit-and-runs, multiple accidents and numerous DUI/DWIs.

Even with all of these infractions and accidents, Vern Fonk knows we’d be able to beat out their current car insurance rates. We know these reckless celebs pay way too much for their insurance premiums (not to mention their lawyer’s fees).

The Worst Celebrity Drivers:

Amanda Bynes

This former Nickelodeon star has been in the news quite regularly in 2012. It seems as though every month this year her name has been plastered across the news for DUIs, texting and talking while driving, driving without her lights on, and multiple hit and runs. Amanda even hit a cop car, and later blamed the officer for pulling out in front of her too quickly.
Britney Spears

Britney Spears doesn’t have any major accidents on her record (at least that we know of) but that doesn’t mean she’s a good driver.

In 2006, Britney was spotted holding her infant son, Sean Preston, on her lap while driving around Los Angeles. She later that day was seen putting the baby back in his car seat but facing the wrong way. The photos captured by the paparazzi seemed to start a downward spiral for the pop star. She then, in 2007, was charged for a hit and run (without a valid driver’s license), running a red light, hitting a photographer and running over a police officer’s foot. In 2008 she was involved in a minor accident, but hasn’t had any more accidents reported since.

Nicole Richie

Nicole doesn’t have quite the long rap sheet as some of the other socialites/celebs on this list, but what she was cited for was what helped her make this list. In 2006 she failed the sobriety test and admitted to taking Vicodin and smoking marijuana. Nicole was pulled over because she was trying to get on the freeway by going up the exit ramp. She served 4 days in jail.

Paris Hilton

In 2006 Paris was arrested for a DUI. She got her driver’s license suspended and was charged with reckless driving. Her probation was thirty six months and she had to pay a $1500 fine. A few months into her suspension she was pulled over. A month later (still suspended) she had to make a quick trip somewhere and tried to chance it, but it was night time and she didn’t turn on her lights. Oh yeah, and she thought that no one would notice that she was going 70 miles per hour in a 35 zone.
Billy Joel

As the only person on our list over 30, Billy Joel has had his first run in with the police in 1983 (before some of the other drivers on this list were born!). He was part of a motorcycle accident in 1983. Then later, in 2002 he had 2 wrecks in the exact same spot! The first was when he was driving home, he crashed his Mercedes into a fire wall, totaling it and forcing him to go to rehab. The second time was again in a Mercedes, about 6 months later, when he crashed into a tree only a few feet away from the fire wall he hit earlier. Two years later he jumped a curb and crashed his car (a Citroen 2CV, one of the slowest, most un-crashible-ist cars there are) into a house.

Lindsay Lohan

Lindsay’s car troubles started when she was 20. Her car was pulled over and she got a DUI and was charged with possesion of cocaine. She went to treatment for alcohol abuse and 10 days later got arrested for another DUI, was caught driving with a suspended license, and again had cocaine on her.

In 2010 Lindsay alledgedly ran a red light and hit a woman and a baby in a stroller. And in 2011, an officer pulled her over for failing to stop at a stop sign. Later that year she crashed her Porsche into the back of a truck, and a month later she crashed the same model of Porsche (now rented) into another car. Maybe it’s time she hired a driver?

Everyone needs auto insurance, even these celebrities. Don’t be shy, if you’ve got a peppered driving history, even like some of the people we’ve mentioned above, talk with a licensed Vern Fonk auto insurance agent today to get the right auto insurance for your budget.

Washington and Oregon Insurance Agency

We’re an independent insurance agency that’s local – we have been serving Washington insurance needs and Oregon insurance needs for more than _ years. That’s how you know we’re good at what we do – we generally only lose a customer when they move out of state! And why not? Our auto, homeowner’s and business insurance rates are extremely competitive. Insurance can be complex — we do the homework and find the best insurance deals for you.

We’ve Got You Covered

If you get in an auto accident, we’ll bend over backwards to make sure your claim is paid promptly. If your home is robbed, our Vern Fonk insurance agents will make sure the items are replaced without delay. And if someone falls at your business, we’ll make sure your generally liability insurance covers you.
The Internet has made it easy to get an online quote. However, it’s hard to differentiate between all the insurance companies, because we all know cheaper is not necessarily better. Talk to our Vern Fonk insurance agents. They’ll instill the confidence and trust you need to know we will protect you.