Frequently Asked Questions
Rubens Insurance Help Center
How do I make sure I’m not over-insured?
Start by reviewing your current insurance policies and coverage limits. Consult with an insurance professional, like us, to identify any unnecessary duplications. Regularly updating and adjusting policies as circumstances change can also help you maintain appropriate coverage levels.
Why do I need to buy insurance?
Insurance is essential in Washington State as it provides financial protection against unexpected events, such accidents, natural disasters, and health emergencies. It helps individuals and families manage risks and ensures that they can recover without facing significant financial burdens. Additionally, having insurance is often a legal requirement, such as auto insurance for drivers, making it crucial for compliance and peace of mind. Overall, insurance plays a vital role in safeguarding your assets and securing your future.
Do you offer free consultations to new customers?
At our company, we are pleased to offer free quotes for insurance. This allows you to compare options and find the best coverage that suits your needs without any obligation. Simply reach out to us, and our team will assist you in getting a personalized quote tailored to your requirements. Your peace of mind is our priority!
What types of Insurance do you offer?
We provide coverages for auto, home, renters, life, & business, as well as specialized policies, including motorcycle, RV, and umbrella coverage. Just ask if you have something unique to protect!
​
You can view a more expansive list on our products page. Remember, if you don't see it listed, just ask, and we can find the coverage you need.
What discounts are available?
We help you find every savings opportunity possible. You may qualify for discounts by bundling policies, installing home security systems, having a good driving record, or being a good student.
Additionally, there are programs you can opt into, such as paperless document delivery, automatic payments, or usage-based driving.
We shop multiple carriers to make sure you’re getting all the discounts you have available to you.
How often should I review or update my insurance?
It’s a good idea to review your policies at least once a year or whenever you have a major life change (like moving, marriage, or getting a new car). We do complimentary policy reviews for all our clients. Just reach out, and we’ll schedule a time. The best time is the thirty days before your policy renews.
What factors affect my premium rates?
How long does it take to get a quote or set up a policy?
Your insurance premium is based on a combination of personal details and risk factors. These can include your age, driving or claims history, coverage limits, deductible amount, and in some cases your credit-based insurance score. For home and auto policies, insurers also look at the value, location, and condition of your property or vehicle, as well as how it’s used.
While these factors help determine pricing, they don’t have to feel confusing. At Rubens Insurance, we walk you through how each piece impacts your rate, review ways to reduce costs when possible, and make sure you’re paying for coverage that actually fits your needs, not extras you don’t.
Do you offer insurance for small businesses or special situations?
Yes! We protect local businesses of all sizes, as well as offering niche coverage (like contractors, landlords, and home-based businesses). Tell us what you need, and we’ll tailor a plan.
Most quotes can be turned around the same day—sometimes within an hour. For more complex policies, it might take a little longer, but we always keep you in the loop.
​
Business polices will take longer, especially if we need to reach out to underwriters to explain your unique option. Having documentation, like three years of profits and losses, as well as five years of claims history, handy will help speed up the process. If you are a new business, don't worry, we will walk you through the process
How does an independent agency like Rubens Insurance help me compared to a big-name insurer?
As an independent agency, we work for you! Not just one insurance company. We have access to multiple top-rated carriers and can shop the market to get you the best value and coverage. Plus, we’re right here in Kitsap, so you get real, local service every time you call. Learn more on our Blog.