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Celeb Cars and Insurance

Many people buy cars that fit their personalities, or they buy cars in order to make a statement. This is especially true for celebrities. Whether they’re using their cars to say “I’ve made it”, “I care about the environment”, or “I’m a tough guy”, the right car can make or break a star.

Kim Kardashian in her Rolls Royce - Courtesy of : http://www.dailymail.co.uk/tvshowbiz/article-2193721/Got-Kim-Kardashian-makes-car-lovers-jealous-tweets-pictures-150-000-Mercedes-G63.htmlMost celebrities (especially “new-money” celebs) go for broke and end up buying the flashiest and most expensive luxury mobiles out on the market. Kim Kardashian, for example, owns a Bentley Continential GT with monogrammed seats, a Mercedes G63 offroader, a Ferrari 458 Italia, a Black Range Rover HSE, a Rolls Royce Phantom and a Rolls-Royce Ghost. She has reportedly spent over $1,200,000 on cars alone in the last 3 years.

rnold with one of his Hummers - Photo Courtesy of : http://latimesblogs.latimes.com/washington/2009/06/schwarzenegger-hummer.htmlFor many years, a staple of the celebrity: a Cadillac Escalade, has sold like hot cakes from Hollywood to New York. These SUVs are perfect for celebrities and their posses to get from place to place in privacy. The vehicle is luxurious enough to even appear in many music videos of rappers and R&B singers. Arnold Schwarzenegger has been sporting all different models of the Hummer for over 15 years now, and it only contributes to his macho man persona.

Cars can even give a celebrity a way to look more “laid back” or “down-to-earth”. Take Justin Timberlake, he has been seen driving around in a Jeep Wrangler. Rob Dyrdek drives a Chevrolet Tahoe and Kristen Bell drives a Chevy Volt.

George Clooney - Photo Courtesy of : http://www.ridelust.com/50-celebrities-their-cars/Many celebs use cars to make a political or environmental statement. A new trend has some major celebrities like Leonardo DiCaprio and George Clooney buying Hybrid cars to show that they support clean energy and saving the environment. The most common car in this category is the Toyota Prius, but George Clooney has recently purchased the 2 seater electric Tango 600.

While most celebrities are used to getting things for free, there is no such thing as free car insurance. Most insurance companies treat celebrities just as they would treat anyone else, and their car insurance policy premium would depend on the same things as all the others: type of car, driving history, etc.

Washington’s Frequently Stolen Cars

All car owners are subject to the risk of their vehicle being stolen at any given moment. There are however, owners of specific models and years of cars that have a higher chance of finding their parking space empty. There is a trend of certain cars being jacked within the last few years. Experts say the reason for the commonality is a mix of their higher populations and their easily disabled anti-theft systems.

Here is a list of the most commonly stolen cars in Washington state:

- 1992 Honda Accord
- 1995 Honda Civic
- 1998 Honda Civic
- 1995 Acura Integra
- 2006 Ford Pickup (Full size)
- 1990 Toyota Camry
- 1991 Toyota Camry
- 1996 Subaru legacy
- 2000 Dodge Caravan
- 1992 Full size Chevy Pickup
- 1994 Acura Integra
- 1994 Nissan Sentra
- 1999 Chevrolet pickup – Fullsize
- 1995 Saturn SI
- 2004 Dodge Ram 1500
- 1991 Compact Chevrolet pickup
- 2002 Ford Explorer
- 2003 Toyota Corolla
- 1994 Nissan Sentra

So use some common sense, and remember to lock your car every time you leave it, and do not leave your keys inside. Install a warning device that can alert you or others to the thief, or you can even install a “kill” switch to turn off the power (fuel source) of your car in the case of a car-jacking. High-tech tracking devices are now readily available and have become cheaper to install and use. Remember that installing any of these anti-theft protections could even save you money on your car insurance policy.

Business Insurance – Protecting Your Future

Business Insurance Makes Company Owner's HappyYou’ve got your business up and running smoothly, and all of your hard work is finally starting to pay off. The busier you get, the more comfortable and stable you feel. Many business owners forget about business insurance all together, thinking their type of business doesn’t need it, or that it’s too expensive. Commercial insurance is one of the most important investments a business owner can buy.

Finding the right commercial insurance policy is extremely important, and depending on what type of business you’re in, rates can fluctuate greatly from one insurance company to the next. The first thing you’ll need to do when looking for the best policy for your company is to get a little educated. Understanding what coverages are offered by the different companies you are looking at is important.

Whether or not an insurance agency will choose to insure you (and at what cost) mostly depends on how much risk your company is subject to. Insurance underwriters look at your business as well as the industry in general to determine the level of risk involved with your business. Then they will decide whether or not they will cover your business, and if they will, what amount of premiums are required in order for them to do so.

Business Owner's Happy With InsuranceEvery commercial insurance policy has two parts to it: the premium and the deductible. The premium is the amount of money you will have to pay the insurance company in order for them to provide you coverage. An insurance company uses multiple complex calculations to figure out the risk factors such as where your business is located, proximity to fire and police protection services, the type of building your business is in, and what kind of insurance policy you are buying for your business.

The deductible is what you, as the business owner, will have to pay on top of your premium in the case of a covered claim. So if there was a fire, and fires are covered under your policy, there would be a deductible that you would have to pay the insurance company before they will provide the funds to fix the damage. Typically, the higher you deductible is, the lower your premium will be.

A expert business insurance agent can help you decide how much coverage your company will really need to give you peace of mind while conducting your business on a day to day basis. Vern Fonk Insurance Agents are all extremely qualified and ready to help you with all your commercial insurance questions.

SR22 Insurance Tips

SR22 insurance isn’t made for everyone, but if you need it, there are a few steps you’ll need to follow. We’ve broken down the SR-22 basics to help you know more about it and what you’ll need to do.

What is SR-22?
An SR22 Certificate is proof of financial responsibility that many people are required to have. The SR-22 proves that you have at least the minimum amount of insurance required by your state.

Who needs SR22 Coverage?
There are many reasons someone could be required to obtain sr22 insurance. The most common reasons why someone would need to obtain it are because they have a DUI or DWI on record, or were caught driving without a license or insurance.

If you’ve been told you’re required to get sr22 insurance, don’t worry. Vern Fonk specializes in finding cheap auto insurance coverage for everyone, and we are experts with everything to do with SR 22. We’ll help you file all the necessary paperwork and get you back on the road as soon as possible.

The SR 22 Process
The SR22 certificate must be filed with your state’s Department of Motor Vehicles. Vern Fonk Insurance Agents can help by filling out the necessary paperwork for you and will make sure all your bases are covered. The SR22 will contain all of your personal information as well as your auto insurance information. It is very important that this document is filled out correctly and completely as it certifies to the DMV that you are legal to drive.

If your insurance coverage changes at any point during your SR22 period, your insurance company is required by law to notify the DMV. This includes any late payments, lapses or gaps for any reason. These changes could cause your driving privileges to be revoked or suspended and it is extremely important that you find an insurance agency that knows how to handle SR22 cases.

So if you’ve found yourself needing help with SR22 insurance, let Vern Fonk help you! We’re experienced in all SR22 options and know how to get you back on the road again.