Personal auto insurance, done right
Many drivers pay for discounts they never receive and carry limits that don't fit what they own. As a broker, we compare options across top-rated carriers, apply the credits you qualify for and close the gaps that leave you exposed.
Top-rated carriers · No cost to compare
See where your policy may leave you exposed
Select what applies to your household. We'll show the coverage that typically fits. Nothing is stored or shared.
Your operation
Select everything that applies.
Coverage that typically applies
3 coverages — a starting point for a conversation, not a quote.
- Liability at 100/300/100A sensible floor for most households. Washington minimums (25/50/10) rarely cover a serious crash, and the difference comes from your own assets.
- Uninsured / Underinsured MotoristMany Washington drivers are uninsured or underinsured. UM/UIM pays for your injuries when the at-fault driver can't.
- Personal umbrellaAdds liability above your auto limits for assets and future income.
Know what each part of your policy does
A good auto policy is several protections in one, each with a gap worth checking.
Liability (bodily injury and property damage)
Required in Washington. Pays for the other party's injuries and property damage when you're at fault.
- Worth checking: state minimums (25/50/10) are low. One serious injury can exceed them, and the rest comes from your savings. 100/300/100 plus an umbrella is a stronger floor.
Collision
Optional but key. Pays to repair or replace your own vehicle after a crash, regardless of fault.
- Worth checking: if the car is financed or leased and totaled, you can owe the lender more than the payout. Gap coverage bridges it.
Comprehensive
Covers non-crash damage: theft, vandalism, fire, falling branches, hail, flooding and animal strikes.
- Worth checking: glass and windshield handling and deductibles vary widely by carrier.
Uninsured / Underinsured Motorist
Pays for your injuries, and sometimes your vehicle, when the at-fault driver has no insurance or not enough.
- Worth checking: skipping or under-buying UM/UIM is one of the most common gaps we see in Washington.
Add-ons
Rental reimbursement, roadside and towing, gap insurance, agreed or stated value for special cars, and rideshare or delivery endorsements.
- Worth checking: if you drive for Uber, Lyft or DoorDash, your personal policy excludes it unless endorsed.
Credits many drivers qualify for
Available discounts and amounts vary by carrier, driver, vehicle and state. We confirm exactly what you qualify for.
Multi-policy (bundle)
Pairing home and auto is usually the largest single saving.
Multi-car
Insuring two or more vehicles together saves on each.
Homeowner
Owning a home can lower your auto rate.
Safe driver / clean record
No at-fault accidents or tickets in three or more years earns better rates.
Telematics / usage-based
Good driving tracked by an app or device lowers premium.
Good student
B-average students and students away at school can qualify.
Defensive driving
A completed course can earn a credit.
Low mileage
Driving less than average may lower your premium.
Safety features
Automatic braking, lane assist and similar features.
Anti-theft device
Alarms and trackers reduce theft risk.
Pay-in-full, autopay and paperless
Simple billing choices that add up.
Affinity / group
Some employers, alumni and professional groups unlock special rates.
One conversation, many carriers
We compare the market
Many top-rated carriers compared side by side, so you get the right coverage at a fair price.
Local since 1992
We know Pacific Northwest driving: wet weather, high uninsured-driver rates and I-405 traffic.
Help at claim time
After an accident we help you file, follow up and get the claim handled fairly.
Let's review your auto coverage
Share a few details and a broker will compare your coverage and follow up, usually within one business day.
- We review your drivers, vehicles and current coverage for gaps and savings
- We compare top-rated carriers and bring you the options
- You choose, with every discount applied. No obligation.
Have your current declarations page handy? You can email it to info@firstunderwriters.com after you submit.
Prefer to talk it through?
Call our Kirkland office and a broker will walk through your drivers, vehicles and current policy with you.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The coverage check and discount list are illustrative and not a quote. Available discounts, eligibility, coverage and rates vary by carrier, driver, vehicle and state, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.