Advocate Auto Insurance

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Company Details
Address:

506 Alder St.

City:
Sandpoint
State:
ID
ZIP Code:
83864
Phone Number:
208-255-2222
Year Founded
1991
AM Best Rating:
Company Rating 1 (1 review)

Things to remember...
  • Advocate is a small independent insurance agency serving personal and business clients in the states of Idaho and Washington
  • The company offers property and casualty insurance as well as bonding, life, health and disability insurance
  • The types of auto insurance coverage that Advocate offers include bodily injury and property damage liability

This Advocate auto insurance review will focus on Advocate Insurance Services located in Sandpoint, ID. The company was established in 1991 by owner Garth Weme.

The company offers property and casualty insurance as well as bonding, life, health and disability insurance. Advocate Insurance Services expanded in 1995 by purchasing Callahan Insurance and again in 2001 by purchasing the Harger Insurance Agency.

Start your auto insurance search today by entering your zip code above to receive free auto insurance quotes from many different auto insurance companies online right now!

 Advocate Insurance Services Agents

 

Advocate is a small independent insurance agency serving personal and business clients in the states of Idaho and Washington. There are less than 5 insurance agents for this company.

As an insurance brokerage, Advocate is able to offer products from several different auto insurance carriers.

Insurance brokers can often find a better rate than the carrier would be able to provide directly. The agents at Advocate will look at the available carriers to find the best insurance product for each client.

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Advocate Insurance Services Contact Info

Address: 506 Alder St., Sandpoint, ID, 83864-1567
Phone: 208-255-2222
Fax: 208-255-4444
Email: reception@advocateins.com
Website: http://www.advocateins.com

Advocate Insurance Services Coverage

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The types of auto insurance coverage that Advocate offers include bodily injury and property damage liability. This means if you are held liable for an accident causing bodily injury to someone or damage to their property, the coverage will apply for the limits chosen on your policy as long as you are driving:

  • Your own auto, pickup, or van scheduled in the policy
  • A  borrowed auto
  • A rental auto (up to 60 days)

Advocate also offers personal injury protection. If you or any passengers in your vehicle are injured in an accident, any necessary medical hospital and funeral expenses are covered under the PIP plan with certain limitations.

PIP will also pay a percentage of you or your passengers’ income if a covered injury prevents you or your passengers from working.

Motorcycles are not eligible for PIP. You can contact the Advocate to learn more about this coverage and other things you should know before buying auto insurance.

Advocate Insurance will also cover medical and funeral expenses that occur as a result of bodily injury. The injury must have occurred in or around the covered auto. These expenses must occur within three years. There are exceptions. Ask your agent to learn more about this coverage.

If you or the passengers in your auto suffer an injury or death from an uninsured or underinsured driver, your policy may pay sums you are legally entitled to recover.

The same applies to property damage that is caused by an uninsured or underinsured driver. Motorcycles do not qualify.

If you choose collision coverage, your policy may pay the actual cash value of damage that occurs as a result of an accident or rollover. Comprehensive coverage will also cover damage caused by fire, earthquake, theft, explosion, flood, hail, glass breakage or vandalism up to the actual cash value of the damage.

Electronic equipment is automatically covered at no charge if permanently installed in a factory designed opening.

Advocate Insurance Services Discounts

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Advocate offers several options to save money on auto insurance based on your covered vehicles, driving record, student GPA and multi-policy discounts. The following are the discounts you can receive to save money on your auto insurance premium through Advocate.

  • Vehicle discounts for autos with automatic seat belts, airbags, 4-wheel antilock brakes, alarms and disabling devices.
  • Account discount for customers who also have their dwelling coverage with our companies.
  • Experience discount up to 15 percent for drivers with a good driving record.
  • Mature driver discount for drivers who are 55 and older.
  • Multi-car discount for drivers with two or more autos.
  • Good student discount for drivers in high school or college with a GPA of 3.0, B or better.

Additional Services with Advocate Insurance

Advocate Insurance Services offers an array of insurance products to the public of Idaho and the state of Washington. Enrolling in these other insurance products may make you eligible for multi-policy discounts.

Advocate offers homeowners insurance. They also offer umbrella liability insurance to further protect your assets. Insurance products are available for boats, recreational vehicles, health, life, disability and workers comp.

Advocate allows you to make payments monthly, quarterly, or semiannually. The due date can be selected based on your convenience.

Advocate Insurance Services Reviews

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Advocate Insurance Services is not listed on the Better Business Bureau or AM Best websites. Despite a lack of online reviews, Advocate appears to have a strong business.

As a small insurance brokerage, they have existed for 20 years and have estimated annual revenue of 220,000. Although some say the bigger the company the better, it’s not always the right decision for everyone.

Before making a final decision, make a list of the pros and cons of each company you contact for quotes.  Armed with this information, you’ll be able to decide what’s best for you and your family’s needs.

Receive your free auto insurance quotes from many different auto insurance providers by entering your zip code below!

One Review

  1. Barbara November 19, 2013

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