Advocate Auto Insurance Review

General Information on Advocate Auto Insurance

Advocate Insurance Services, located in Sandpoint, ID, is a relatively new insurance company. It was established in 1991 by Garth Weme, and has enjoyed success for over 20 years. It expanded in 1995 when it purchased Callahan Insurance, and it grew significantly again in 2001 after the purchase of the Harger Insurance Agency. It currently enjoys an estimated annual revenue of $220,000.

The company offers auto insurance as well as other types of insurance to both individuals and businesses, most of whom are located nearby. Some of the products offered by Advocate in addition to auto insurance include casualty and property insurance, bonding insurance, and life, health and disability insurance policies.

Advocate Insurance Services is not the most well-known brand in America, but it may be a serviceable auto insurance company for your needs. If you are interested in Advocate or in any other auto insurance company, use our free comparison tool to choose the best insurance for you, your family or your business. Simply enter your information and our program will search through all the auto insurance companies in your area. It will then give you an easy-to-read comparison of insurance companies so you can make an informed decision.

Contact Information for Advocate Insurance Services

Website:

Front Page

Located at:
506 Alder St.
Sandpoint, ID 83864

Phone #:
208-255-2222

Fax #:
208-255-4444

Email:
reception@advocateins.com

Information About Advocate Auto Insurance Agents

As an independent insurance agency serving a variety of clients largely throughout Idaho and Washington state, Advocate is a small business that strives to put a personal touch on all of its business dealings. The company currently employs fewer than five full-time insurance agents, though if business increases its staff will of course grow.

Advocate Insurance Services is an insurance brokerage, meaning that it offers a few different auto insurance carrier policies and products. Insurance brokers often offer better rates than just going directly to insurance providers, because they have developed relationships with insurance companies. For this reason, Advocate is effectively its own auto insurance company, with its own rates and policy details. Advocate insurance agents work with clients to find the best possible insurance product from a variety of local products.

Of course, it is not always the case that a company like Advocate offers better deals than going directly to providers. Our comparison tool will help you determine the true best price in your area.

Coverage Provided By Advocate Auto Insurance

Advocate provides most standard auto insurance coverage policies. Bodily injury and property damage liability are the bare-bones options offered by Advocate Insurance Services, as they are legally required for drivers in the states of Idaho and Washington. These types of coverage will pay for any accident in which you are held liable for causing personal injury or damages to someone else’s property.

Coverage amounts apply for your chosen policy limits as long as your vehicle is:

• Your own automobile, determined in the policy
• A temporarily borrowed automobile
• A rental automobile

For slightly more money, Advocate Insurance Services offers PIP insurance, or Personal Injury Protection. This covers any medical or funeral bills for yourself or your passengers that might occur because of any accident. This is useful if you collide with someone who doesn’t have insurance, has too little coverage, or if you are held at fault for the accident. PIP insurance also pays a portion of income that may have been lost due to a covered injury that prevents any recipients from working. Please note that motorcycles may not receive a PIP insurance policy. Contact Advocate Insurance Services for more information about PIP.

Advocate also offers Uninsured/Underinsured Coverage for both bodily injury and property damage. If you pay a little extra each month, your policy will cover you for any accidents deemed to be the other driver’s fault, bot for which the other driver is unable to pay because they were illegally driving without insurance.

Other types of insurance coverage offered by Advocate include:

• Collision Coverage – Your policy pays the cash value of the damage, with no limit, occurring as a result of a collision with an inanimate object or due to a roll-over or other serious accident.
• Comprehensive Coverage – Your policy pays the cash value of any damage not caused by other drivers, including theft, vandalism, glass breakage, hail, flooding, explosion, earthquake or fire.

Discounts Given By Advocate Insurance Services

Depending on who you are, what you’ve done and what you drive, you may be able to get a discount on Advocate auto insurance. Read on for a list of discounts you may be eligible to receive when you get your insurance policy through Advocate Insurance Services.

• Discounts for drivers with a good driving record
• Discounts for drivers 55 years or older
• Discounts for drivers with current high school or college GPAs of 3.0 or better
• Discounts for drivers with at least two automobiles
• Discounts for vehicles with automatic seat belts, air bags, anti-lock brakes, car alarms and car disabling devices
• Discounts for customers with other insurance policies through Advocate

Additional Services Offered by Advocate

Some of the other services offered by this auto insurance company to Idaho and Washington state customers include:

• Home-owners insurance
• Boat insurance
• RV insurance
• Bonding insurance
• Health insurance
• Life insurance
• Disability insurance
• Workers’ compensation

If you purchase any of these policies in addition to your auto insurance, you may be able to get a discount on both.

Conclusion

Advocate Insurance Services is a strong local provider in the state of Idaho. If you live in the area in our around Sandpoint, ID, it is an excellent choice for auto insurance. However, before you make the final decision, you should always compare prices and policy details. You can do so through our free comparison tool. Simply enter your information and go from there!