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Kirkland Insurance Agency

Kirkland has been one of the Vern Fonk families’ favorite cities for a long time. We love the area and people, and feel at home!

We take pride in being able to find the people of the Kirkland great rates on these insurance products:

Car Insurance
Home Insurance
Motorcycle Insurance
High Risk Insurance
Contractor’s Insurance
Renter’s Insurance
Flood Insurance
Homeowner’s Insurance

Call or stop by today and we’ll get you the best rates on insurance in Kirkland!

Vern Fonk Insurance Kirkland

Auto Insurance – High Risk

Have you ever been called a “high risk” driver? If so, you may have found that finding auto insurance, especially affordable car insurance, is hard to find.

If you have a DUI, or have a SR22 you may think car insurance will cost you thousands of dollars every year. Vern Fonk specializes in “high risk” insurance, and we want to help you find the best rates on your insurance products.

Our expert agents can help you find a policy that will meet your needs and budget. We have many policies and options for high risk drivers.

We’ll make sure you get a policy you can afford!

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!

High Risk Insurance

2012-01-23_15-52-23_949Vern Fonk in Washington and Oregon specializes in offering the best rates for “high-risk” insurance in the area. We work with hundreds of different insurance companies to find our customers the best rates and the best coverages for their situation.

If you’ve been in a ton of accidents, have a lot of tickets or a DUI (or more) on your record, Vern Fonk will take care of you! We truly are the area’s experts in so called “high risk” car insurance.

Have you ever been told you are classified as a “high risk” customer? Have you ever been turned away for insurance by one of the big insurance companies? Don’t feel discouraged, there are insurance policies out there for you.

We’ve seen it all and we believe everyone deserves a second chance.

Give us a call for a fast, free insurance quote. Our expert high risk insurance agents can help you find the best policy that you can afford.

Motorcycle Insurance Tips

Spring will be here before you know it. If you’re planning on purchasing a new motorcycle or if you already have one, it may be a good time to start shopping around for motorcycle insurance prices.

There are a lot of ways you can save money on your motorcycle insurance policy. The first step should be to check with your insurer to see if they offer any new discounts. Sometimes they’ll offer a discount if you’re willing to take a driving safety course. Sometimes doing this little step can save you 10-15% on your monthly motorcycle insurance premium.

If you own more than one motorcycle, you could consider combining your policies into a multi-vehicle policy. A multi-motorcycle policy can typically get you a better price than doing two separate policies.

Most people know that the year, make and model of your motorcycle can make a big difference in how much you’ll pay in insurance, but did you know that where you store your motorcycle could effect your premium? If you store your motorcycle in a safe and secure place, your insurance costs will likely decrease. Make sure your motorcycle insurance agent knows that you lock it up when it’s not in use.

If you have any other questions about motorcycle insurance, Vern Fonk Insurance agency can help you get your answers. We are experts at finding the best rates and the best coverage amounts. Call one of our locations to find out how we can save you money today!

SR22 Insurance Info

SR22 Insurance can be confusing for anyone who has been required to get it. Not most people know what it is. Vern Fonk specializes in SR22 Insurance and High Risk insurance. We can help you find an option that will work for your needs and your budget.

iStock_000005417609XSmallSR-22 is a certificate that you are required to get (you’ll get a notice) proves that you have at least the state minimum requirements on your car insurance policy. This SR-22 insurance can be issued by many car insurance companies, but it’s important to choose a company that knows what they’re doing. The company you choose will notify the DMV that you have the proper amount of car insurance.

You may need to get SR22 insurance for many reasons. Typically it is for infractions dealing with driving under the influence, driving without insurance, or multiple tickets or accidents in a period of time. Whatever the reason may be, we can help you find an affordable option that gets you back on the road in no time.

If you have any questions about SR22 insurance certificates in Washington or Oregon, give your local Vern Fonk Insurance location a call or stop on by! We’re SR22 insurance experts.

Am I Considered “High Risk”?

Vern Fonk Insurance believes everyone deserves great rates on their auto insurance policy, even if they are in the “high risk” insurance category. We make high risk insurance affordable for all drivers in Washington and Oregon.

How do I know if I’m considered “High Risk”?

The word “high risk” can be thrown around in many different situations. Typically you could be considered a high risk or risky driver if:

  • You’ve had 3 or more moving violations in last few years
  • A hit and run violation
  • DUI or multiple DUIs on record
  • DWI or multiple DWIs on record
  • Reckless driving violations
  • Vehicular negligent injury

If any of these sound like your driving history you may be paying too much for your car insurance with your current provider. Call Vern Fonk Insurance today to get a great rate on your car insurance.

DUI and the Law

Did you know that Washington state is #25 in the country for highest number of drunk driving deaths? Driving under the influence puts yourself and others in extreme danger, even at low speeds. If you get caught the ticket isn’t the only price you will have to pay for. DUIs can cost you big time in fines, attorney fees, lost wages and even alcohol education fees.

The minimum find for a driver caught for the first time DUI is $940.50. That is just the initial fine. Your car insurance rates may go up, or your license could even be suspended. Lawyer fees for disputing a DUI charge can be at least $2000 and that can drain your wallet pretty quickly.

What should you do if you get a DUI?

If you have gotten one or multiple DUIs, you insurance company may dramatically increase your rates or even drop your coverage all together. You should start shopping for a different car insurance company.

Vern Fonk specializes in “high risk” car insurance in Oregon and Washington. We are able to find our clients with DUI(s) on their record the best possible auto insurance rates. We believe everyone deserves a second chance and should be able to get back on the road quickly.

Here’s an info graphic that shows the average insurance costs for 5 years after a first-time DUI by city in Washington:

Infographic Source –

So if you’ve been caught with a DUI, check out the average costs above and give us a call to see how we can save you money.

High Risk Auto Insurance

If you’re considered a “high risk” driver, the task of finding affordable car insurance can seem extremely daunting.  If you have multiple tickets, DUI or DWI, or have a SR22 it can seem like you’re doomed to pay thousands of dollars for car insurance each year. Luckily there are now options for “high risk” drivers, and Vern Fonk is the Pacific Northwest’s leader in finding the best insurance rates and policies for high risk drivers.

Vern Fonk specializes in helping high risk clients find the best policy for their lifestyle and budget. We can help you sort out your SR22 problems and get you back on the road.

Our expert car insurance agents in Washington and Oregon know all of the insurance laws and all of the different policies available to our customers like the back of their hands.  We’ll make sure you get a great policy that you can afford.

If you’ve been labeled “high risk” fear not, we’re here to help you! We specialize in the “high risk” auto insurance market and have many options we’d love to show you. You’ll be surprised how much money we can save you. Call or stop on by one of our Vern Fonk Auto Insurance Agencies across Washington or Oregon today!

Insurance for your Motorcycle

Motorcycle Insurance in Washington and OregonThe sun is out and it’s time to dust off the bike and feel the wind in your hair again (if you still have any left). Before you take the old hog in for it’s summer tune up, look over your motorcycle insurance plan coverage and make sure you’ve got the necessary coverage to keep yourself, your motorcycle and other drivers safe.

Finding the right insurance policy for your motorcycle is important. Your policy should fit your bike, your lifestyle and your budget. Most states in the US require a minimum amount of liability coverage for motorcycles, but the other types of coverages can be optional. It’s important to ask you insurance agent which coverages are optional and which are required to make sure you are legal.

When you’re shopping for the right motorcycle insurance for you, it’s important to understand what you’re paying for.

Motorcycle insurance Collision coverage insurance covers the damages to your motorcycle if you were to be involved in an accident. After you pay your deductible, your insurance company will pay for the rest of the repairs.

Liability coverage insurance is what covers bodily injury and any property damage that you were responsible for in a motorcycle accident. This type of coverage doesn’t cover your motorcycle or yourself.

Comprehensive coverage insurance will cover the damages caused by things other than an collision. For example – vandalism, theft, or fire. You’ll have to pay your deductible before your insurance company picks up the rest of the bill.

You may be able to save money on your motorcycle insurance plan if you take certain safety courses. If you have more than one motorcycle you can also bundle those policies to save money. Keeping a clean driving record will also help keep your insurance premiums down.

Vern Fonk in Washington and Oregon specializes in motorcycle insurance for everyone! Our agents are experienced in finding the best and cheapest policies for all types of drivers. Call us today!