Our Carriers
As an independent agency, we shop your coverage across 19 trusted carriers. Pay your bill in a couple of clicks below, or browse each carrier’s perks and member benefits.
Pay your bill
Payments are handled on your carrier’s own site. Pick yours below to open their bill-pay page. Not sure who your carrier is? Give us a call and we’ll point you the right way.
How we match you to the right carrier
Every carrier has its own strengths, specialties, and pricing. Because we represent many of them, we’re not tied to selling any single company. We get to know your situation first, then compare options across our carriers to find strong coverage at a fair price.
- 1. We learn about you
Your vehicles, home, business, and what matters most to you.
- 2. We compare carriers
Matching your needs and budget to the carriers that fit them best.
- 3. We stay with you
Reviewing at renewal and re-shopping your coverage when it makes sense.
Allstate is one of the largest and most recognized insurers in the country, known for its wide agent network and a strong lineup of driver-reward programs. Customers appreciate coverage options that are easy to understand and build on.
Perks and benefits
- Drivewise: a telematics program that rewards safe driving habits like smooth braking and steady speeds with savings.
- Deductible Rewards: take an amount off your collision deductible to start, plus more for each year of safe driving.
- Accident Forgiveness: keeps your rate from going up because of your first at-fault accident on qualifying policies.
- New Car Replacement: pays to replace a covered new car rather than depreciating it after a total loss, on eligible policies.
- Safe Driving Bonus: money back for accident-free periods on qualifying policies.
- Multi-policy discounts: savings for bundling auto with home or other policies.
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American Modern is a specialty carrier with decades of experience insuring the things standard carriers often will not, from manufactured and mobile homes to seasonal dwellings and watercraft. They are a strong option for specialty property and recreational risks.
Perks and benefits
- Manufactured and mobile home coverage: policies built specifically for manufactured, modular, and mobile homes, including older models.
- Specialty dwelling coverage: options for seasonal, secondary, vacant, and rental properties that standard carriers may decline.
- Watercraft coverage: policies for boats and personal watercraft with options suited to how you use them.
- Agreed value options: available on eligible specialty property so you know what a covered total loss will pay.
- Flexible payment plans: billing options to fit different budgets.
CBIC, Contractors Bonding and Insurance Company, is part of the RLI family and has deep Northwest roots. They specialize in bonds and insurance built for contractors and small businesses.
CNA Surety focuses on surety bonds, from quick license and permit bonds to contract and performance bonds for construction work. When a job calls for bonding, they're one of the first markets we check.
Dairyland specializes in auto and motorcycle insurance, with particular strength in coverage for riders and for drivers who need an SR-22 or more flexible terms. They make it straightforward to get and stay covered when other carriers are not an option.
Perks and benefits
- SR-22 filings: fast filing to help you meet state financial responsibility requirements and get back on the road.
- Motorcycle coverage: policies built for street bikes and cruisers, with options for custom parts and equipment.
- Flexible payments: a range of low down-payment and installment options.
- Coverage for many driver profiles: a good market for drivers who have had tickets, accidents, or a lapse in coverage.
- Round-the-clock claims: report a claim any time, day or night.
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Foremost is a specialized niche carrier and a Farmers Insurance affiliate, focused on flexibility for unique risks like vacant homes, short-term rentals, non-standard auto, and collector cars. Their broad underwriting appetite means they can often insure properties and vehicles that other standard carriers might decline.
Perks and benefits
- Dynamite Deductible: lowers your comprehensive or collision deductible by $50 at each semi-annual renewal, or $100 at each annual renewal, as long as the policy stays in force.
- Diminishing Deductible: reduces your deductible by 25% for each consecutive claim-free year on motorcycle, motorhome, and travel trailer policies.
- Full Glass Coverage: covers windshield, door, and light glass with no deductible on motorhomes (requires Other Than Collision coverage).
- Pet Protection Coverage: reimburses up to $1,000 for injuries to a dog or cat from a covered loss in a motorhome or at a campsite (requires Personal Property coverage).
- TraveLine Roadside Assistance: 24/7 towing and roadside service built for specialized vehicles like motorcycles and RVs.
- Smart Home Device Discount: 3% off when your home has connected devices such as smart smoke detectors or water shutoff sensors.
- Safe and Preferred Driver Discounts: credits for drivers who stay accident and violation free for 3 to 5 years.
- Mature Driver Discount: a premium reduction for drivers 55 or older who complete an approved safe driver course (Washington and Oregon).
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GeoVera writes residential earthquake coverage in California, Oregon and Washington, and is rated A (Excellent) by A.M. Best. Its Single Limit earthquake policy combines all coverages under one limit with one deductible.
Perks and benefits
- The Single Limit earthquake policy applies one combined limit and one deductible across all coverages, and includes demand surge (the increased cost of repairs after a quake).
- Claims can be reported 24/7 through myGeoSource using a policy number and property zip code, with no account required.
Hagerty is one of the best-known names in classic and collector car insurance, built specifically for enthusiasts. Rather than depreciating a cherished vehicle, Hagerty insures it for an agreed value you and the company set together, and backs it with a community of fellow collectors.
Perks and benefits
- Agreed Value coverage: you and Hagerty agree on your vehicle's value up front, so a covered total loss pays that amount with no surprise depreciation.
- Specialized collector rates: pricing designed for vehicles driven occasionally and stored with care, often far lower than a standard auto policy.
- Flexibility for enthusiasts: coverage options for classics, hot rods, motorcycles, and other collectible vehicles.
- Hagerty Drivers Club: membership benefits including roadside service built for collector vehicles, a magazine, and valuation tools.
- Expert claims handling: claims specialists who understand collector vehicles and quality repairs.
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Hiscox focuses on small business insurance, writing general liability, professional liability, errors and omissions, and cyber coverage for hundreds of professions. Policies are underwritten by Hiscox Insurance Company Inc., with coverage available in 49 states.
Perks and benefits
- Policyholders can generate a certificate of insurance or an ACORD for an additional insured in minutes using only an email address and policy number.
- Policy changes, document requests and claim reporting are all handled without creating an account.
Safeco, a Liberty Mutual company, is a preferred-market carrier that emphasizes quality coverage and rewards for responsible habits. Their tiered coverage levels, from Essential to Premier, let you build a package around what you need.
Perks and benefits
- RightTrack: a usage-based program that personalizes your rate based on how you actually drive.
- Claims-Free Cash Back: up to 5% of your annual premium back per year on 12-month Superior or Premier policies when you stay claim free.
- New Vehicle Replacement: if your new car is a total loss within the first 365 days, Safeco pays for a brand-new one of the same make and model (original owner).
- Better Car Replacement: on a total loss, pays for a vehicle one model year newer with fewer miles (Premier coverage).
- Pet Insurance: standalone, customizable health coverage for cats and dogs.
- Safeco Safety Rewards: bundles Accident Forgiveness, Diminishing Deductibles, and accident and violation free discounts.
- Emergency Assistance Package: roadside assistance, emergency expenses like lodging and meals, and coverage for personal items in your car.
- Teensurance: a program built for young drivers (Washington).
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Mutual of Enumclaw is a Northwest-based mutual company, which means policyholders are members who share in the company's success. Their Member's Best program simplifies things by combining home and auto into a single package.
Perks and benefits
- Mutual of Enumclaw Perks: a members program with daily deals at local restaurants and discounts at popular theme parks (available in Oregon and some other states, not Washington).
- teenSMART: a discount for drivers under age 22 who complete the teenSMART accident prevention program.
- Loyalty Discount: applied automatically at each annual anniversary of your policy.
- AAA Member Discount: a premium reduction for active AAA members (Washington and Oregon).
- Pet Injury Benefit: $500 per pet, up to $1,000 total, for injuries in a covered loss (included in the Member's Best Homeowner Enhancement).
- Single Deductible: if one event damages both your home and auto, only the higher deductible applies and the other is waived (both must be insured with Mutual of Enumclaw).
- Identity Fraud Expense: up to $7,500 toward restoring your credit after fraud.
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National General, now an Allstate company, is a versatile carrier with a strong appetite for auto, RV, and specialty coverage, including drivers who need more flexible underwriting. They are a useful market when a standard carrier is not the right fit.
Perks and benefits
- Broad auto appetite: options for a wide range of driver profiles, including drivers who have had a lapse in prior coverage.
- RV and motorhome coverage: specialized options for motorized and towable recreational vehicles.
- Flexible payment plans: a range of billing options to fit different budgets.
- Bundling options: savings when you combine eligible policies.
- 24/7 claims service: report and track a claim any time.
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Nationwide is a large, financially strong national carrier offering a full range of personal and commercial coverage, from auto and home to life, pet, and farm. Customers value the breadth of products under one roof and long-standing programs that reward safe, loyal drivers.
Perks and benefits
- SmartRide: a usage-based program that can earn a participation discount to start and a larger discount based on safe driving habits.
- SmartMiles: a flexible pay-per-mile auto option for people who drive less than average.
- Vanishing Deductible: earn credit toward your deductible for each year of safe driving, reducing what you pay out of pocket after a claim.
- On Your Side Review: a periodic personal insurance checkup to make sure your coverage still fits your life.
- Brand New Belongings: replacement cost coverage for covered personal property on eligible home policies.
- Multi-policy discounts: savings when you combine auto with home, life, or other Nationwide policies.
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PEMCO is a community-focused mutual insurer proud of its Northwest roots, a local company for local people. Their discounts are geared to Northwest lifestyles, with a personal approach to handling claims.
Perks and benefits
- My Driving Discount: a usage-based program using the DriveWell app to measure your driving over 91 days for a personalized discount.
- Educator Discount: a meaningful discount for K-12 and higher-education employees, including instructional, administrative, and classified staff.
- Northwest Affinity Discount: a discount for University of Washington graduates living in Washington or Oregon.
- Accident and Minor Ticket Forgiveness: for qualifying drivers, your first at-fault accident or minor ticket is forgiven after a benefit period.
- Low Mileage Discount: for vehicles driven less than 8,000 miles a year.
- Protection Device Discount: credits for home protection such as monitored fire and theft alarms, water leak sensors, and automatic gas shut-offs.
- Mariner Plus Discount: a bundling discount when you carry a PEMCO auto or home policy plus a boat policy (Washington and Oregon).
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Philadelphia Insurance Companies underwrites commercial property, casualty and professional liability for niche industries, and is a member of the Tokio Marine Group. Claims are handled by dedicated units organized around each niche industry.
Perks and benefits
- Management and professional liability policyholders can use the Best Practice Help Line, where attorneys from The McCalmon Group consult on matters that could become a claim.
- Auto glass claims are handled by Safelite Solutions, Philadelphia's nationwide glass claim partner.
Progressive is a technology-driven national carrier with a huge range of products and 24/7 digital self-service. Customers like their innovative benefits, from the Deductible Savings Bank to specialized recreational coverages.
Perks and benefits
- Snapshot: a usage-based program with an instant participation discount, guaranteed for your first term, and a personalized renewal rate.
- Deductible Savings Bank: earn $50 for every 6 months, or $100 for 12 months, of claim-free driving to offset future deductibles (requires Collision coverage).
- Loyalty Benefits: a tiered program from Silver to Crown with perks like Small Accident Forgiveness and a Lifetime Renewal Guarantee.
- Sign and Glide: on-water towing dispatched right to your boat with no out-of-pocket cost (boat and personal watercraft policies).
- Pet Injury Coverage: up to $1,000 in vet fees if a pet is hurt in a covered collision or comprehensive loss.
- Propulsion Plus: coverage for mechanical breakdown of outboard or inboard/outboard motors, including normal wear and tear.
- Hobby Farm Endorsement: adds animal liability and removes special limits on tools for small farm exposures (Washington and Oregon).
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Red Shield Insurance Company is a Portland, Oregon regional commercial carrier that has underwritten each risk individually since 1979. It writes in Oregon, Washington, Idaho and Utah, plus floating property only in California.
Perks and benefits
- Red Shield writes niche classes that many standard markets decline, including convenience stores, specialty contractors, food carts and mobile home parks.
- Yacht Shield and floating property are written in house, with a separate yacht agent locator.
Travelers is a versatile carrier offering comprehensive coverage through its Quantum packages, with a strong appetite for high-value homes. Customers like their extensive Affinity partnerships and the ability to fine-tune coverage with optional endorsement packages.
Perks and benefits
- IntelliDrive and IntelliDrive 365: a smartphone telematics program that measures driving habits like braking and phone use to adjust your renewal rate.
- Premier Responsible Driver Plan: an optional package bundling Accident Forgiveness, Minor Violation Forgiveness, Decreasing Deductibles, and a Total Loss Deductible Waiver.
- Premier Roadside Assistance: a high-tier package with 24/7 towing, trip interruption, and coverage for personal property in your car.
- Home Settlement Benefit: lets you settle a large claim up to your dwelling limit without completing repairs when damage exceeds 70% of the home's value (Washington and Oregon).
- Affinity Discount: one of the largest affinity programs anywhere, with discounts for employees of thousands of partner companies and members of many associations (Washington and Oregon).
- Quantum Boat 2.0: specialized options such as Drive System Protect for motor breakdown and Premier On-Water Towing with direct dispatch.
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Perks, discounts, and availability vary by policy, eligibility, and state, and can change over time. Ask us what applies to your situation.
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