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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

Insurance Agency in Vancouver, WA

Vern Fonk Insurance Vancouver, WA

If you’re looking for insurance in Vancouver, WA – look no further! Vern Fonk has been helping residents in Vancouver find great rates on all types of insurance products for years. We’ve enjoyed getting to know the area and the people of Vancouver, WA.

Our insurance office in Vancouver, WA offers insurance policies of almost every type including  - Auto, SR22, Homeowner’s, Business, Contractors, Renters, Motorcycle, and more!

Call or stop by today to get to know us or to get a free quote on any insurance product.

Motorcycle SR22

OLYMPUS DIGITAL CAMERAWhen you think about SR22 insurance you probably think about your car or truck, but what about people who own motorcycles? Lots of Americans have been opting to drive motorcycles with the cost of automobiles and gas being so high.  Is it possible to get SR22 insurance for your motorcycle?

Yes, it is possible! If you have a motorcycle  you can get sr22 insurance too! If people can get non-owner sr22 policies then it’s gotta be possible to get one for a motorcycle! SR22 insurance for  motorcycle in Washington or Oregon is typically cheaper than it would be on a regular car or truck, but if you have a really fast bike or custom model it may be a little more money to get covered.

Call Vern Fonk insurance today if you are required to get SR22 coverage and you drive a motorcycle. We are SR22 insurance experts in Washington and Oregon. We’ll get you coverage fast and get you back on your motorcycle in no time.

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.

Insurance FAQ

We get a TON of questions everyday from our clients and it’s great! We do our very best to help educate our customers so they know exactly what their policy covers and they know what they’re paying for.

Here are some common questions we get asked daily:

What is an SR22?

SR-22 is a form that is proof that you have auto insurance. It helps show to the state that you have the minimum liability insurance requirements.  You may be required to obtain a SR22 for many reasons. Check out our SR-22 page for more info.

Will my credit score hurt how much I pay for car insurance?

Vern Fonk works with at least 9 car insurance companies that don’t discriminate drivers based on credit score. If you’ve got less than perfect credit, give us a call for a good auto insurance rate!

What do I do if I’m in an accident?

After you have determined that everyone is safe and unharmed, inform your insurance company about the accident right away. Get a copy of any police report involved, and get the other driver(s) insurance information.

Check out our Frequently Asked Questions page for more answers to common insurance questions!

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!

Car Insurance Terms

Have you ever tried to read your car insurance policy documents?  They can get pretty confusing, using terms the average person doesn’t understand.  Knowing exactly what’s in your auto insurance policy is important because you want to make sure you’re covered correctly and that you’re not paying for anything extra.

Here are the common terms that you’ll want to be familiar with when shopping for car insurance:

  • Bodily Injury Liability Coverage: Sometimes referred to as “BI”, it pays for injuries to other people involved besides the driver in an at fault accident. This liability coverage also can cover the costs of legal fees if you are sued.
  • Comprehensive Coverage: This type of coverage covers the costs of repair on your vehicle for damage caused by an event that doesn’t involve a collision. Comprehensive coverage can help pay for repair/replacement costs due to fire, theft, windstorm, flood and theft/vandalism.
  • Collision Coverage: This coverage types covers the costs of repair to your vehicle if it collides with another object or if it flips over. This is the most common type of insurance coverage and there are typically state required minimums for protection for all cars.
  • Property Damage Liability: Sometimes referred to as (PD), it pays for damage to other people’s property from an accident where you are at fault. It can also help pay for the costs of legal fees if you are sued.
  • Uninsured/Underinsured Motorist Coverage: These types of coverages help cover you if you are in an accident and the other person at fault doesn’t have enough or any insurance to cover your repair costs or medical bills.

If you have any other questions about what the terms in your auto insurance policy mean, or if you’re looking for the best car insurance rates around, give us a call today!


keysMost people haven’t ever heard of sr22 insurance. If they have, it was on an advertisement and left them with tons of questions. Do I need sr22 coverage? What is sr22 coverage? We’ll put those questions to rest in our FAQ Sr22 post today:

What is SR22?

An SR22 is not actually a type of insurance coverage, even though it is commonly called SR-22 Insurance. It is actually a certificate of insurance that gets filed with the state that certifies that you actually have the legally required amounts of insurance coverage in your state.  It lets the state know that you are covered with at least the legal amount of insurance coverage.

Why would someone need an SR22?

There are many reasons why someone might need to get a SR-22 certificate. Usually, it is required because there was something on their record that may suggest that the driver’s insurance coverage wasn’t sufficient. Some of the common reasons why someone may be required to get a sr-22 insurance certificate are:

  • Previously convicted for driving without insurance
  • Previously convicted of a DUI, DWI or other substance abuse offense
  • Previously convicted for a major moving violation or reckless driving
  • Too many tickets or infractions within a short period of time
  • License suspended and needed to be reinstated for one reason or another

How does one obtain an SR-22?

You have to get your SR22 certificate through a qualified insurance company. The company that has your car insurance can typically issue the sr22. Ask your insurance company for help and they’ll show you how to file it and take care of a lot of the work for you.

How long do you have to keep an SR22?

Usually, one sr22 certificate will last up to 5 years. It depends though on which state it was issued in, and how bad the offense requiring you to have sr-22 was. You will be notified by the DMV how long you’ll need it to be.  If you have any lapses in payments, changes in the policy or missed payments, your insurance company is required to report it to the DMV.

Do you need to own a car to have SR22 coverage?

If you don’t own a car you still may be required to get sr22 coverage. Sr-22 insurance companies can help you get a “non-owner sr22″ policy.

If you still have questions about SR-22 insurance give us a call today.  No matter what your background is, we’ll be able to find a solution for you.

Motorcycle SR22 Coverage

When most people think about SR22 they think car or truck, but what about the people that own motorcycles? With the high cost of gas, many drivers are switching over to motorcycle or scooters to save money any way they can. So you may ask yourself, can you get an SR22 certificate on a motorcycle?

The answer is yes! Many companies (including Vern Fonk insurance) will help you get sr22 coverage on a motorcycle. People can get a non-owner SR22 policy so of course they can get one for a motorcycle. Motorcycle sr 22 insurance is typically cheaper than coverage on a car, but that depends on the style of motorcycle that you have. Fast street bikes are usually more expensive to insure as well as the big cruiser expensive motorcycles.

So if you are a motorcycle rider and you’re required to get sr22 insurance, talk to you insurance agent to see if they can help you. Vern Fonk insurance specializes in SR-22 insurance for everyone. We can get you coverage fast and get you back on the road. Call us today for a free motorcycle insurance quote!

Motorcycle SR22

clipart-motorcycleWhen most people think about SR22 insurance they typically are looking to insure their car or truck, but what if you own a motorcycle? You’re in luck! Just as you can get a non-owner sr22 insurance policy, you can also get SR-22 for your motorcycle!

More and more people these days are switching to motorcycles or scooters as their primary mode of transportation. With high gas prices a motorcycle or scooter can save you a lot of money.

SR-22 policies for motorcycles are typically cheaper than other vehicles, depending on what type of motorcycle you own. The rules for motorcycle SR22 are very similar to regular car or truck sr22 certificates and if you have any questions about them, a qualified insurance agent can always help you work out the details.

A motorcycle, especially in the summer, is a great way to get to and from work or errands. They don’t use much gas to get around, and they are usually fairly cheap to purchase. If you need SR22 coverage and you own a motorcycle or are looking to buy one, give Vern Fonk a call today for easy and fast SR-22 coverage.