UPDATED: Nov 30, 2018
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Vern Fonk Summary
Vern Fonk Insurance was founded in 1952 in Everett, Washington by the company’s namesake, Vern Fonk. The company’s goal is to provide insurance choices for both drivers with clean records as well as those who have troubled records including multiple tickets, accidents, and SR-22 insurance.
The company operates as an independent agency representing more than 20 different companies in both Oregon and Washington. Most of the auto insurance companies are smaller insurers specializing in high-risk drivers. Vern Fonk also provides access to homeowners, motorcycle, and commercial insurance.
Vern Fonk’s headquarters remains in Everett, WA, but they now have offices all over the two states that they serve. They provide online quoting to match each driver up with the insurance company and rate that will best fit their needs, although as an agent they are not a direct sales insurer.
The company is best known for off-the-wall television advertising that uses humor and satire to get attention.
Vern Fonk offers a range of different insurance products through several different companies.
Vern Fonk specializes in high-risk auto insurance, therefore they offer a lot of liability-only policies that cater to those who want the cheapest insurance possible on a budget.
They also write full coverage policies through a variety of different insurance companies; because the companies differ, the policy offerings and details will also differ.
Vern Fonk also specializes in SR-22 policies for drivers who are required to provide documentation of insurance, usually due a major violation or having been convicted of previously driving without insurance.
Vern Fonk writes both liability only and full coverage for motorcycles as well,
Finally, they also offer Broad Form Named Operator insurance that covers drivers of non-owned vehicles.
Vern Fonk offers the following variety different types of home insurance. Again, these options are available through a variety of insurance companies.
- Standard Homeowners
- Mobile Home/RV
- Landlord Insurance
- Vacant Property
- Farm and Ranch
Each individual insurance company determines what coverage they will offer, and so policies may differ from company to company.
Vern Fonk provides quotes for a variety of commercial insurance policies through several insurance companies.
Commercial products include:
- Business Insurance
- General Liability
- Commercial Auto
- Contractor’s Insurance
- Surety Bonds
- Umbrella Insurance
Vern Fonk does offer online quoting, however, because they represent many insurance companies, there is no one clear premium that we can use to compare Vern Fonk’s rates. That being said, its very likely that they will be able to offer some of the most competitive rates since they pull from a variety of underlying insurance companies.
Overall, people looking for high-risk insurance will probably see decent rates in that specific market. Good drivers, however, will best be served with a standard auto insurance carrier.
Vern Fonk does not actually write or administer any of the policies they sell, and thus have no part in the handling of claims.
They have a claims page on the website that simply directs the driver to the website of the company that handles their insurance, providing a list of the companies for which Vern Fonk sells policies.
Claims are handled entirely through the individual companies, although Vern Fonk representatives can point drivers in the right direction and may be able to assist with the initial filing to help out customers. They have do not have a say in how claims are processed or settled.
Vern Fonk has an A+ rating with the Better Business Bureau for their home office in Everett, WA. There is only one complaint against them in the past three years, the complaint is from 2015 and details are not provided.
This numbers and rating only reflect the home office, and as they have agencies across two states it’s important to note that customer service experiences can vary greatly from agent to agent.
With a mix of satisfied customers and people who have had issues with service, overall the impression is that Vern Fonk does make an effort towards a good customer service experience. This is in part evidenced by the fact that they take the time to respond to Yelp reviews, which shows that they are concerned about what people are saying in regards to the company.
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Vern Fonk is not an insurance company, but rather an agency whose main business is in finding insurance for people who may have trouble qualifying for standard coverage. High-risk drivers may find them to be one of their few choices for finding coverage.
As an agency specializing in non-standard insurance, Vern Fonk is unlikely to find a competitive rate for a driver with a clean record – the companies they work with simply aren’t positioned that way. If you’re in need of SR-22 insurance or have been turned down elsewhere, Vern Fonk is well worth a shot; however, do not expect the best rates due to the nature of this type of insurance.
For a list of companies that we recommend, visit our Best Insurance Companies page.