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Is Broad Form Coverage Right for Me?

Broad form auto insurance is a great option for many drivers.  If you need insurance and don’t have a ton of money to spend, it may be the right option for you.  We are lucky that Washington state allows insurance companies to issue this unique type of coverage. Broad Form Insurance is typically less expensive when compared to other auto insurance policies, but the coverages are completely different.  If you are thinking about broad form coverage you should weigh the pros and cons to decide if it is right for you.

Broad Form Auto Insurance
Broad form auto insurance is a type of insurance that covers only the person who is on the policy.  It insures the actual person instead of the car. Most auto insurance policies are designed to be purchased on your car, where broad form coverage insures a certain driver, basing it off of their driver’s license.  The policy is great for people who own multiple cars, because it doesn’t matter how many cars you drive, your policy premium will stay the same.  You won’t even have to call us to tell us that you’ve purchased a new car or sold and existing one.

Business Owners
Broad form auto insurance is a great option for business owners because they can insure their employees, executives or others who have access to company vehicles, but doesn’t own a car themselves.  If you have questions about this type of insurance for your company ask one of our agents if it will work for you!

Single – Unmarried Drivers
If you are unmarried, single, with no children, broad form coverage can be a great option for you.  You are less likely to have others in the car with  you and you probably don’t have multiple cars or drivers that need to be insured.

There are some things you should consider if you are thinking about buying a broad form policy:

- You and only you, are covered while driving a car you own or have permission to use.
- You are not covered if you let someone else drive a car you own. If something were to happen, you’d be held responsible legally.
- You are not covered if you are driving a motorcycle, motor home, or while driving for business use.
- You are not covered for any physical damage that happens to a car you own or drive.
-If another policy provides coverage on the car you are driving, Broad Form Named Operator Coverage will be excess of that coverage (secondary)