How to protect yourself from identity theft in Renton, WACheck if the website it secure.

A simple way to check is to look for the lock symbol in the left corner of the search browser. Any website where you are putting in your credit card information or personal information should have this.

If shopping online, are you using websites you are familiar with?

While Googling something like “Best DSLR camera” is fine, when it comes to making a purchase, it should be from a reputable company. Watch out for paid advertisements from unknown sellers.  If you’re unfamiliar with the company, you could even Google the company to see what comes up. You may learn they have poor reviews. This could save you a headache. It could also be the opposite where it’s a new company & have helped hundreds of people. Regardless, buy from a reputable company or do your research first. Shopping local is always a good bet.

Never click on links in your email from an unknown person

Many times your email will sift through the “junk mail” and place it directly in your junk folder. Other times, scammers will try to be tricky by sending email from familiar names of either a person you know or a known institution. Always look at the email address from the sender. Most likely it’s a fake email address. If a link is included in the email, never click on it.

Other tips:

Check your bank statements every month

Your bank can do a great job monitoring and may even catch fraudulent charges before they happen. However, it’s important to check your bank statements every month to ensure every charge is correct.

Reach out to your insurance agent

While your banking institutions and credit card issuers do offer some protection against fraudulent charges to your accounts, did you know that your homeowner’s insurance or renter’s insurance plan may offer additional protection if your identity is stolen? In addition to your own diligence, your homeowners, condo or renters insurance policies can offer some extra protection. For a small yearly fee (typically less than $40 per year) your insurance policy may cover expenses related to court fees, loan reapplication fees (if denied due to identity theft), notary fees and more. Some insurance plans may also include access to an identity theft counselor, someone to assist with reporting fraudulent activity and to act as a liaison to the major credit report bureaus on your behalf. Identity theft plans will vary by carrier and state, so be sure to ask your agent about plans available.

If you have questions about your home, condo or renters insurance, contact Eastside Insurance Services. Our agents can review your current coverage or provide a quote on a new insurance policy. Contact us today!

Auto Insurance Renton, WAWhen it comes to insurance, most people think of how they can save money first. We get it, insurance can be expensive! You want good coverage, but at an affordable cost. Being a local insurance agency, we provide many choices since we represent many top insurance carriers. Here are some tips when it comes to saving money on your car insurance.

Shopping for a new car? Consider shopping insurance first.

If you have a few cars in mind when shopping for a new vehicle, consider reaching out to your insurance agent to compare possible insurance cost between the vehicles. The rough estimate of insurance cost every year could sway which car you decide on.

Save when you bundle.

Insurance carriers tend to give great discounts when you bundle your auto insurance with your home/renters/other lines of insurance. Need to insure several vehicles? Multi-policy discounts could earn you some substantial savings. Ask your agent!

Don’t drive much? Seek a low mileage discount.

If you drive less than 10,000 miles a year, ask your agent if you qualify for a discount.

Choose a higher deductible.

If your finances allow you to pay a higher deductible in the event you have a claim, you could save money by making this switch.

Ask your agent about other discounts. Do you qualify for any?

  • Paying your insurance coverage in full
  • Paperless option
  • Safe driver (accident free)
  • Electric or hybrid vehicle owner
  • Great credit score
  • Good student
  • Higher education
  • Advance quote

Did you experience a higher premium at renewal?

Reach out to your agent and ask to get re-quoted on your policy. Since we can quote many top-rated insurance carriers, you can likely get same or similar coverage with a new carrier to save money. Life changes, so can your insurance company – but you don’t need to change your agent.

We do like to note that sometimes loyalty to the same company for 3+ years can be beneficial too. Over time, you could earn yourself a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

If you have questions about your auto insurance, reach out to Eastside Insurance Services. Our goal is to ensure you have the proper coverage.

Insurance Options for Food Delivery Service in Renton, WAIt is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.

Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers. For this, you need a commercial auto policy.

A commercial auto insurance policy is needed for:

  1. Freight delivery
  2. Food delivery services
  3. Courier delivery services
  4. & many more!

Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.

When deciding what coverage you need, ask yourself these questions:

  1. Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
  2. How are you using this vehicle? Delivery drivers need a commercial insurance policy.

Your best bet is to talk to a licensed agents in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with. Contact us if you have questions or need an insurance review.