Business Details
21 Years
experience
Your Trusted Insurance Partner in Kirkland, WA
At First Rate Insurance Plus, we have proudly served our community with exceptional personal insurance solutions for over two decades. As part of Trucordia, we combine local insights and personalized service with the strength of a nationally recognized insurance leader. Our commitment to integrity, harmony, and collaboration drives us to deliver tailored insurance products across diverse industries, supported by strong relationships with regional and national carriers. We maintain a deep focus on client needs, offering access to over 20 insurance companies to ensure competitive pricing and comprehensive coverage.Our agency operates remotely, prioritizing work-life balance for our team while maintaining 24/7 accessibility through phone, email, and virtual platforms. With a proven track record of community involvement and twelve consecutive Best of Kirkland Awards, we remain dedicated to providing unrivaled service and innovative solutions.
Services
Auto Insurance
Home Insurance
Life Insurance
Boat Insurance
Motorcycle Insurance
RV Insurance
Renters Insurance
Condo Insurance
Personal Umbrella
Landlord Insurance
Details
- Year established: 2005
Highlights and features
- 20+ years of local insurance expertise in Washington
- Access to 20+ insurance carriers for competitive pricing
- Personalized service from experienced independent agents
- 24/7 online policy management through our Service Center
- Twelve consecutive Best of Kirkland Insurance Agent award winner
What people say
Excellent service
Saved hundreds
Prompt responses
Expert guidance
Stress-free process
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual driving profiles. Our agents compare policies from multiple carriers to find optimal coverage for standard vehicles, motorcycles, ATVs, and specialty vehicles. Clients benefit from personalized risk assessment and access to discounts for safe driving records, multi-policy bundling, and vehicle safety features.
Home Insurance
Our home insurance policies protect against property damage, liability claims, and additional living expenses. We offer standard homeowners coverage, earthquake insurance, flood insurance, and dwelling fire policies for various property types. Our agents help clients understand replacement cost values and ensure adequate coverage for unique home features.
Boat Insurance
Specialized boat insurance policies protect watercraft owners against accidents, theft, and weather damage. We offer coverage for various boat types including personal watercraft, yachts, and fishing boats. Policies include liability protection, emergency assistance, and coverage for trailers and onboard equipment.
Life Insurance
We provide term and permanent life insurance solutions to protect families and businesses. Our agents help clients determine appropriate coverage amounts based on financial obligations, future needs, and estate planning goals. We offer policies with flexible premium structures and additional riders for enhanced protection.
Personal Umbrella
Umbrella insurance policies provide additional liability protection beyond standard auto and home policies. We help clients assess risk exposure and select appropriate coverage limits to protect assets against major lawsuits. Policies typically start at $1 million coverage levels with incremental increases.
People
Meghan Joseph
Insurance Agent
Experienced insurance professional with over 15 years in the industry, specializing in auto and home insurance. Known for proactive policy reviews and personalized client service. Holds multiple industry certifications and consistently receives client appreciation for efficient claims support.
Carrie Lange
Senior Insurance Agent
Ten-year veteran agent recognized for exceptional client retention and policy optimization. Expert in bundling insurance products for maximum savings. Maintains top producer status through consistent client outreach and coverage analysis.
Marcella Fitzhugh
Lead Insurance Consultant
Industry veteran with 25+ years experience, specializing in complex insurance scenarios. Holds Chartered Property Casualty Underwriter designation. Known for resolving difficult coverage situations and securing competitive rates for high-risk clients.
Laura Young
Insurance Broker
Recognized for expertise in auto insurance transitions and policy comparisons. Maintains strong carrier relationships to negotiate favorable terms. Receives consistent client praise for clear explanations of policy details and coverage options.
Kris Arnason
Commercial Insurance Specialist
Focuses on business insurance solutions while maintaining expertise in personal lines. Provides integrated risk management strategies for homeowners associations and small business owners. Holds Certified Insurance Service Representative designation.
Questions
How do I get an insurance quote?
Request a quote online through our website or call (425) 821-1000 during business hours. Our agents will compare policies from 20+ carriers to find your optimal coverage.
What insurance products do you offer?
We provide auto, home, boat, motorcycle, RV, life, umbrella, renters, condo, and landlord insurance policies tailored to Washington residents' needs.
Why use an independent insurance agent?
Our independence allows unbiased comparisons across 20+ carriers, ensuring competitive pricing and customized coverage solutions that direct providers can't match.
Are you available outside business hours?
While our office hours are 8:00 AM-4:30 PM PST weekdays, our Service Center provides 24/7 online policy management and claims reporting capabilities.
How do policy changes work?
Submit changes through our online Service Center portal or contact your assigned agent directly. Most adjustments can be processed immediately with confirmation documentation.
What areas do you serve?
Primarily serving Kirkland and surrounding Washington communities, with policy availability across the entire state through licensed carriers.
Reviews (7)
Dan P.
Jun 10, 2022
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Tammy Arsenault is my FAVORITE insurance agent! She has been patient, understanding, helpful, prompt and accomplishes everything with a great sense of humor! She also works hard to make sure that I'm paying a fair price for the needed coverage. A pleasure to work with! Thank you Tammy!
William Latraille
May 09, 2022
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Carrie Lange has went above and beyond for me. Always looking for the best options with a quick response. Definitely recommend her for your insurance needs!
Emily
Apr 27, 2022
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Lynne helped me out with finding a new insurance policy and saving me over 33% on my car and renter's insurance. She was so helpful and professional, I couldn't ask for better service!
Sarah Souffront
Apr 26, 2022
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Carrie Lange is my go to for my car insurance! I started driving later in life and Carrie has been the only agent I have worked with. She is flexible and understanding, works with my budget and is very kind! Ask for Carrie if you are new to the roads or need a kinder agent.
Brian Truman
Apr 18, 2022
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I have been with First Rate for over a decade. They've always been great to work with. Recently, Lynne Bromley there reached out to me about something my mortgage company had neglected to do, and I was able to get it rectified right away. 10/10 would recommend!
Jesse Kellems
Apr 17, 2022
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I have had my insurance through First Rate for years. Started with Auto and then Home and an Umbrella Policy. They have always had my best interest in mind. I have referred several people over the years. I highly recommend them for your insurance needs. They are all great but I have mostly worked with Lynne and she is great!
Mary Beale
Apr 13, 2022
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Called to inquire about services and was met with a very rude associate. She had a condescending tone when I was asking questions as a first time user of an insurance broker. Immediately decided I would take my business elsewhere. How you speak to people matters! Would not recommend.
