Auto Insurance Options for Every Need

As a requirement by the state of Washington, auto insurance is often overlooked for the essential and comprehensive protection that it is. We strive to create value in this essential coverage by reviewing the benefits of auto insurance so you can see how it works to protect you. With versatile coverage options and a range of insurance carriers, you can easily find the right coverage for your vehicles. Our personal insurance agents are here to offer guidance and support with your auto insurance so you can feel confident that your coverage is tailored to meet your specific concerns and needs.

Personal Auto

We provide coverage options for your daily driver as well as the vintage one sitting out back for emergencies. Cars are often not cheap to repair or replace, which is why it is essential to understand how auto insurance can protect your motorized investments. A personal insurance agent can help you determine the best way to protect your vehicles while making the most of your budget.

Depending on the value and condition of your vehicle, you may wish to cover it differently. While a brand new car is exciting and fun, it usually comes with some immediate debt when you drive off the lot. If you get in an accident too soon after purchase, the car could become totaled and the amount you owe on the car could exceed what it is worth. Our Personal Auto Insurance policies come with options to fill this gap between value and loan amount so you never get stuck footing the bill for a car that has since been towed to the junkyard.

Personal Auto Insurance is more than just coverage for the car itself, though. It also offers protection for negligence, which refers to any accidental damages or injuries you may cause behind the wheel. Life is unpredictable, and even the safest, most attentive drivers may one day find themselves in a car accident. When that happens, you never want to be caught unprepared, which is why opting for adequate liability insurance limits is so important. Our team understands how critical this coverage is when it comes down to a claim and is ready to provide options for you so you can determine the best way to protect yourself, your family, and your assets.

Personal Auto Insurance is an essential coverage, and we are here to help you make the most of it. Contact us today to speak with one of our licensed personal insurance agents to find the best solution for you.

Antique Auto, Collectible Cars, and Customized Vehicles

We know you take great pride in your vehicle and have invested your hard-earned money into restoring it or keeping it in tip-top shape. There is a great deal of intrinsic and social value tied to these unique and custom vehicles that unfortunately does not translate onto a standard auto insurance policy. This is where specialty coverage for your car comes in through antique auto insurers and customized coverage options to protect your investment.

If you insure your antique auto or customized vehicle on a regular auto policy, you unfortunately run the risk of getting paid less than it is worth. A Specialty Auto policy allows you to state the value of the car based on the current market value and your current total investment. This means that if you get in an accident, your classic car won't be valued with depreciation like a standard vehicle. Instead, the payout amount will be relevant to the value you chose to carry on your policy so you can fully repair or replace it without skipping a beat. We know a loss like that isn't easy to recover from since these vehicles can be quite rare or even one-of-a-kind. However, with a specialty auto policy, this loss is softened since you can insure your investment to value and have the funds you need to take advantage of another collectible as soon as you find the right one.

While antique cars and custom parts may come with a high price tag, this coverage does not. It is often quite affordable considering the additional protection you get. This is largely because these policies are designed based on the regular use of the vehicle. Often, your classic car is not your daily driver, so why should it be insured the same way? Antique auto insurers take into account miles driven, event participation, and improvements made to adjust your costs more closely to the potential risks. This helps you get the coverage you need without breaking the bank.

Contact us today to speak to one of our licensed personal lines agents and discover how an Antique, Classic, or Custom Auto Insurance policy can better protect your prized possession.


We know that in life, we all make mistakes. When it comes to reckless driving or DUIs, we are just glad to see you are safely on the other side and on the road to recovery. Nicholson & Associates is proud to offer solutions for drivers requiring an SR-22 after a driving infraction or DUI. We make the process simple and painless so you can get the coverage you need to recover your license and get back on the road.

So what is an SR-22? After getting a driving record infraction or DUI, the state often requires the driver to file that they carry liability insurance. An SR-22 is an additional form that can be added to personal auto insurance to prove that you are carrying adequate protection. In most cases, an SR-22 is required by the state for three years after the conviction.

It can be overwhelming to figure out where to start after something like this, and our personal insurance agents are here to help. We offer multiple insurance carriers that offer SR-22 so you can shop different options and find the most competitive protection for you. Through our carriers, reporting your coverage and SR-22 to the state is handled so you can return to your normal daily life without any extra hassle.

With Nicholson & Associates, you never have to face the aftermath of your infraction alone. Contact us today to speak to one of our personal lines insurance agents and get the support you need to get back on track.

Key Coverages


This coverage protects you in the event you are responsible for a car accident. It is offered in a split limit to cover damages to physical property and injuries to passengers in the other vehicle. It is essential to make sure you have high enough limits to cover a potential accident and protect your assets.

Uninsured and Underinsured Motorist

With so many uninsured drivers on the road, this is a coverage you won't want to skip over. Although the coverage is optional, it is highly recommended on every policy in the event you are hit by an uninsured or underinsured driver or get caught in a hit-and-run accident. This coverage acts like liability but pays for your own damages and injuries.

Personal Injury Protection

Medical costs always seem to be on the rise, and you never want to get left on the hook for unpaid hospital or doctor bills. Personal injury protection offers coverage for medical bills for you and your passengers so you can get medical treatment right away without worrying about accumulating medical debts you can't afford. Whether you have health insurance or not, Personal Injury Protection is a great way to get the care you need without the hassle.

Comprehensive & Collision

These two coverages often go hand in hand since they both protect physical damages to your vehicle. So what's the difference? Comprehensive covers damages caused by things other than a collision, such as a tree branch falling on your car or a rock chipping your windshield. The only exception is collisions with animals on the road, which are also covered under Comprehensive. Collision coverage, on the other hand, strictly covers damages to your car caused by you colliding with another object, be that another car, the garage door, or a telephone pole. Both come with a deductible of your choice that you pay out of pocket in the event you file a claim to cover the cost of repairs.


Nothing is worse than getting a flat tire on the way to work or having a transmission failure while heading out for a long weekend. This coverage provides reimbursement for towing expenses if your car becomes undrivable while out on the road. It usually comes with a mileage limit, so be sure to verify the allotted distance for your specific policy.