How are Flood Insurance Rates Determined?


What factors determine my flood insurance rate?  If you call and speak with an AAG Insurance professional, we will gladly explain it to you further.  But, in short there are a few Flood Insurance Rating Factors:

  1. Base Flood Elevation
  2. Flood Vents
  3. The age of your house

Base Flood Elevation

Base Flood Elevation is the elevation that a potential flood is expected to reach.  Factors include slope and geography of where your dwelling was built and is located.  Elevation is a huge component as even a single foot of elevation change can be the difference between thousands of dollars in repairing damages, and avoiding those costs.

If a part of your building or structure falls onto a Flood Hazard Area, you may be required to purchase flood insurance, even if you dwelling is located significantly above the lowest point on the property.

Flood Vents

Large water streams have ample force and pressure to remove a structure from its foundation. One factor in determining flood insurance rates in a town such as Chehalis, Spokane, or Kennewick, WA are flood vents. The purpose of a flood vent is to allow fast moving water to pass under an elevated structure, such as a building on an elevated crawl space, which reduces the pressure and lowers the risk of displacing a house from its foundation.

The Age of Your House

As with most types of catastrophe insurances, age is always a factor.  Call an AAG flood insurance expert today, or click on the quote form above.


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Pickup Trucks are Most Dangerous for Teen Drivers


Parents and teen drivers take note, especially in the Inland Northwest, where we can have some brutal winters, pickup trucks are not the safest option for your kid.

Pickup trucks can be the most dangerous vehicles for teenagers 16-17 year old to drive.

Studies have shown that teen drivers are 100 percent more likely (or two times as likely) to be severely hurt in a crash than a teen of the same age driving an automobile. The study was held at the Cockrell School of Engineering in Austin, Texas. Young drivers in a pickup are significantly more likely to drive aggressively and suffer significant injuries/harm in a crash, according to the study which also established that when it comes to aggressive driving tendencies a 16-17 year old is about 368% more apt to drive aggressively than those 65 or older, while a teen just a couple of years older is merely 195% more likely. Washington, Idaho, Oregon, and Montana are notorious for lousy weather, so do your best to protect your children…fill out the quote form!

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Do I need Renters Insurance?


If I live with someone else and they have homeowner insurance, do I

Insurance Renters

Do I need Renters Insurance

still need renters insurance?

There are a couple exceptions for immediate family members  under a certain age, but in general, another persons homeowner insurance policy will NOT cover YOUR personal belongings if there is a loss, (fire, theft, water damage, etc)… So, yes, you do need renters insurance!  [click here to learn more about renters insurance]

If you purchase a renters insurance policy, you will have coverage for your personal belonging whether they are in the home, garage, your car or a motel room where you are staying. You will also get other valuable coverages such as personal liability protection and loss of use. The personal liability coverage will provide you protection in the event that you are sued for bodily injury or property damage to someone else. An example might be a game at the golf course where you slice wide and break a window. Your renters insurance personal liability would provide coverage if you are found liable.

The loss of use coverage would kick in if there is a covered loss where you are living (such as a fire) and you are unable to continue living in the home until repairs are made. Your renters insurance policy will provide you money for other temporary housing, laundry services and much more!

Renters insurance is a great value with premiums starting at about $20 per month. Some of our preferred companies even offer a discount on your auto insurance if we package you up with a renters policy. Call an AAG Insurance agent TODAY and find out how we can provide you great protection with a renters insurance policy!

by Lesa M. Givens, C.I.C.

AAG Insurance

Phone:  360-748-8855

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4 Tips on Pumping Gas


Gas prices are predicted to increase in the near future.   Saving money on gas, is something we can all agree is good!  Here are some money-saving tip that you should keep in mind.

Our source for this article is an individual with about 35 years experience in the petroleum industry.  He was kind enough to share some actions to take that will help you get more out of your money.

1) It is wise to buy or fill up your vehicle as early in the morning as possible, or when ground temperatures are still cool. Be advised that all service stations have their storage tanks buried below the surface. The cooler the ground the more dense the gasoline.  Obviously, when it gets warmer liquid expands.  As a result, buying in the afternoon or in the evening is not recommended.  A gallon might not actually be a gallon.

2) When you’re filling up your car, you should not squeeze the trigger of the pump to a fast mode Triggers have 3 speeds (low, medium, and high).  He advises that one should be pumping on low mode, thereby minimizing the vapors that are created while pumping gas. All hoses at the pump have a vapor return.  If you are pumping on the fast rate, some of the liquid that goes to your tank can become steam. Those vapors are being sucked up and back into the storage tanks, so in retrospect, you are getting bang for your buck.

3) One of the most important tips is to fill up when your gas tank is partially full.  The optimist would say “half full.” The reason for this is the more gas you have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine, so having empty space in your tank is a bad idea.

4) Finally, never fill up your vehicle when there is a gasoline truck filling up the  storage tanks.  When the tanks are filled up, the bottom is being stirred up.  You will pick up some of the gunk that was lying quietly at the bottom.

Did you find this article helpful, please let me know.  Click here

Another tip for saving money in your driving universe is to let an Auto Insurance professional give you a call.  Click here for a free auto quote.


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Important Thanksgiving Safety Tips


Top tips for a safe Thanksgiving Holiday!

  • It is important to stay in the kitchen while you are cooking on the stove so you can constantly keep an eye on the food.
  • Stay in the home when cooking your turkey and check on it frequently.
  • Keep children away from the stove. Stove are hot and kids need to stay at least 3 feet away.
  • Make sure kids stay away from hot food and liquids. The steam or splash from vegetables, gravy or coffee could cause serious burns.
  • Keep the floor clear so you don’t trip over kids, toys, pocketbooks or bags.
  • Always keep sharp knives out of the reach of children.
  • Be sure electric cords from an electric knife, coffee maker, plate warmer or mixer are not dangling off the counter within easy reach of a child.
  • Keep matches and utility lighters out of the reach of children.  You can always keep dangerous materials locked up in a cabinet or garage.
  • It is imperative that you never leave children alone in room with a lit a candle.
  • Finally, you need to make certain your smoke alarms are working. Test them by pushing the test button.  Make sure they have new batteries.

Have a wonderful Thanksgiving from AAG Insurance!!!

from AAG Insurance

from AAG Insurance



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AAG Insurance Longview Branch


We are very pleased to announce that AAG has acquired a branch office in Longview WA.  Mosby Insurance has become AAG Insurance.

The office is at the same location…

1210 Commerce Ave
Longview, WA 98632

Phone: 509-412-3521

We also want to offer a warm  welcome to our new AAG team:  Neely Lorimer, Longview Branch Manager,  and her assistant,  Deanna Snow !!  Welcome to the Team!  The clients of Mosby Insurance, will continue to receive the same great service they have been getting, by the same agents.  Nothing will change, except future paperwork will be branded with AAG Insurance instead of Mosby.  We look forward to serving all your insurance needs.

Longview Insurance Agency

Longview Insurance


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What is Thermage?


We have a page on our website that is an excellent reference for several medical spa insurance terms.  Thermage is an extremely non-invasive, and safe cosmetic procedure that has been clinically proven to assist in smoothing skin, which has flaws, for an overall younger looking appearance.  Learn more here …

We are the experts in all things insurance within the medical spa community.  If your med spa preforms this, or any other procedure, we can help you with your business insurance needs.  Our experts are quick to respond, so give us a call.


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Washington Wildfire Season


Wildfires in Washington state are no joke.  This year we have not had as scary of a wildfire season as last year, but please take precautions to avoid accidentally sparking one up.  In Spokane, temperatures have been in the mid-ninety’s lately.  Yesterday, I was on the north-side of Spokane when I saw smoke in the back ally of the establishment I was visiting.  As it turns out, newly applied mulch had heated up to an extreme point and spontaneously combusted.  It did not just ignite in one spot, but rather the entire surface was ablaze.

Check out this resource for Wildfire safety tips

And to all the fire fighters putting their lives in danger to ensure our safety…be safe.

WA Wildfire

Washington Wildfire


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Great seeing our friend Steve Emtman make is television debut.


Great seeing our friend Steve Emtman make is television debut.

SteveEmtmanZombie Steveshead2

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Spokane Recognized for Car Insurance Affordability


Spokane Recognized for Car Insurance Affordability

NerdWallet looks at the impact of location on car insurance premiums

 San Francisco, CA (February 12, 2014) – NerdWallet, a consumer advocacy website, recently conducted a study to find the places with the cheapest car insurance premiums in the United States – and Spokane is in the top 10.  AAG Insurance is pleased to be bringing you the findings.

Using the profile of a 26-year-old male who drives a 2012 Toyota Camry and has no history of accidents, they analyzed premiums in the largest 125 U.S. cities to find the places with the least expensive car insurance.  Spokane had some of the cheapest car insurance rates nationwide.

They discovered the following:

  • Premiums can increase dramatically depending on the location: Detroit’s average annual premium, $10,723.22, is more than eight times higher than that of Spokane.
  • State laws can play a major role in car insurance rates: The most expensive cities for car insurance are all in states with no-fault car insurance laws.

It was determined that Spokane has the ninth least expensive car insurance premiums in the nation. The average annual car insurance premium in Spokane is $1,307.68.

Other metropolitan areas that made the list include Boise (ID), Rochester (NY), and Charlotte (NC).

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