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American Insurance Blog

All You Ever Wanted to Know About Insurance

2 ways to save on insurance in 2018

Is one of your resolutions for the New Year to spend less money, or find ways to cut costs? American Insurance can help you do just that! Here are two ways you can save money on your auto and home insurance today. ...

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Enrollments up in area state health exchanges

Idaho health exchange now closed; Washington is still open until Jan. 15. - Federal health exchange enrollment for 2018 coverage fell only 4.5 percent, according to the Centers for Medicare and Medicaid Services (CMS),...

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Q & A: Do I Need More Life Insurance?

We printed this Q&A column in the Dec. 10, 2017 edition of The Lewiston Tribune. Q: Do I need more Life Insurance? A: The answer is probably “yes.” This is the question people ask during the holidays as we gather...

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Shocking results - 2017 Hometown Business Food Drive

When American Insurance organized the new “Hometown Business Food Drive,” we could not have foreseen these results. The response was overwhelming and the results are spectacular. “Our goal was to exceed last year’s...

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Q & A: Can I buy subsidized Medical Insurance now?

We printed this Q&A column in the Nov. 10, 2017 edition of The Lewiston Tribune. Q: Can I buy subsidized Medical Insurance now? A: Yes, ACA Health Exchanges are now open! Open Enrollment began on Nov. 1st and will...

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Shorter ACA Enrollment Period for 2018

Individuals, small employers, employees, dependents, college students – anyone who relies on individual medical insurance coverage – must apply during open enrollment unless they are renewing existing coverage at a diff...

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ACA Premium Subsidies Continue

Premium Subsidies Are Not Changed. To clarify, this information from recent news articles is NOT referring to the premium subsidies (tax credits) that lower the health insurance premiums paid by qualifying lower income...

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Update on ACA Exchanges

American Insurance is following the latest developments regarding the Affordable Care Act (ACA). At the publication of this article, enrollments and renewals of ACA Medical Plans will proceed as scheduled. You can count...

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See our ad on KLEW TV

Our new commercial message on KLEW-TV is promoting our “Marketplace Double Check” program. You can make just one call to American Insurance and receive quotes for up to 7 top insurance companies. Watch the video here...

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2nd Annual Food Drive set Nov. 13-17

We invite you to partner with us to “fill the shelves” at Community Action Food Bank in Lewiston and the Moscow Food Bank this holiday season! We are hosting the second annual American Insurance Food Drive from Nov. 13-...

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Umbrella coverage: Because when it rains, it pours

When we talk about an insurance “umbrella”, we are referring to a Personal Umbrella Policy that provides an excess layer of liability insurance limit on top of your other personal insurance policies - auto, home,...

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Open Enrollment Time For ACA Medical And Medicare

There are two “open enrollment periods” that are critically important for individuals and seniors. These limited time periods are the only times that new ACA (Affordable Care Act) Medical plans can be purchased or...

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2018 Idaho Small Group Medical Premiums Released

There’s good news for local businesses who offer small group medical coverage for their employees. The Idaho Department of Insurance has released the final 2018 premium rates for all small group health plans. Carriers...

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Idaho Individual Medical Premiums Increase for 2018

American Insurance health agents are certified to show all options to local clients. - Individual medical plan premiums through Your Health Idaho, the Idaho exchange, are going up in 2018. The Idaho Department of...

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2018 Washington Health Plans Certified

American Insurance health agents can explain changes, show options for local clients. - The Washington Health Benefit Exchange Board has certified the Qualified Health Plans (QHPs) and Qualified Dental Plans (QDPs) to...

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Q & A: Can I buy subsidized Medical Insurance now?

We printed this Q&A column in today's edition (on Oct. 10, 2017) of The Lewiston Tribune. Q: Can I buy subsidized Medical Insurance now? A: As you may have heard, the Affordable Care Act (Obamacare), was not...

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New Medicare ID cards coming in April

New cards will no longer contain Social Security numbers, to combat fraud and illegal use. - Seniors and others who use Medicare benefits will have a new ID number soon. The Centers for Medicare & Medicaid Services (...

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Shawn Sullivan honored for 15-year commitment to quality education

Shawn Sullivan, CIC, American Insurance Agency Vice President, recently received recognition for professional leadership and advanced knowledge by the Society of Certified Insurance Counselors (CIC), a leading national...

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DOL Overtime Rule Struck Down

On August 31, 2017, Federal District Court Judge Amos Mazzant overturned the Fair Labor Standards Act (FLSA) Final Overtime Rule for so called "white collar exemptions" that would have doubled the annual salary level to...

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Rising Trend In Highway Death Rates Reversing

Idaho and Washington among states that see small decline this year. - Reversing a trend of sharply increasing motor vehicle deaths in 2015 and 2016, the first half of 2017 is down 1% from the corresponding period in...

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Q & A: How is my college student's stuff insured?

We printed this Q&A column in the Aug. 10, 2017, and Sept. 10, 2017 editions of The Lewiston Tribune. Q: How is my college student's stuff insured? - A: This is the phone call you don’t want to get from your college...

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2018 Idaho Health Insurance Rates Proposed

Idaho Department of Insurance releases 2018 health insurance rates, proposed increases, and participation areas. - Proposed rate increases in 2018 for Your Health Idaho exchange plans range from a modest 6% for the Blue...

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Washington Updates Distracted Driving Law

Violations are now reported to your insurance company. - Washington state has defined its Distracted Driving law that just took effect on July 23, 2017. These changes include: No Hand-Held Cell Phone Use While Driving...

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Q & A: When I rent a car, do I need to buy “Collision Damage Waiver”?

We printed this Q&A column in the July 10, 2017 edition of The Lewiston Tribune Q: When I rent a car, do I need to buy “Collision Damage Waiver”? A: Your Personal Auto Policy (PAP) extends auto liability, uninsured /...

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New Idaho traffic laws now in effect

Several new Idaho traffic laws took effect on July 1 that could impact driving habits or citations in our local area. In an effort to clarify vehicle speed limits and safe passing rules in Idaho, the 2017 Idaho...

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4th of July Fireworks – A Sullivan Family Tradition

For 32 years AMERICAN INSURANCE has been a major financial sponsor of the Lewis-Clark valley’s Independence Day Fireworks Celebration on July 4th. John Sullivan, agency President, is involved in every aspect of the...

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The AMERICAN CHALLENGE - and fireworks!

In honor of Independence Day, the Sullivans invite you to celebrate your independence with us - by taking the AMERICAN CHALLENGE! Quote your preferred Auto Insurance Quote or a Home Insurance Quote and get a $10 lunch...

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You can now call your agent's direct line

When you have billing questions, need to add or remove autos or drivers, make coverage changes, quotes, report claims or any service need, now you can reach your Customer Service Agent through her direct phone number. ...

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Homeowners - Beware of Business Exclusions

A home-based business may void all coverage on your garage/shop.If you have a “home-based” business - even if part-time - at your home residence premises, there are serious insurance coverage issues that need to be...

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Fireworks & Your Liability - What if something goes wrong?

If you celebrate Independence Day with your own fireworks show, you will be personally liable if anything goes wrong. So, here is some information about how to cover your liability plus safety tips to keep your show...

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We're a Best of the West winner!

The votes are in! AMERICAN INSURANCE is honored to be once again selected as “Best of the West” insurance agency for 2017. The Sullivans & staff are very proud to be chosen and always strive to be worthy of your...

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History Brief - Our Logo

Our company logo was launched in 1990. The triangular shape contains our American colors of red (on the left), white (silhouette of the Statue of Liberty in the center) and blue (on the right). The Statue of Liberty was...

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Q & A: How can I find out if a home has had any serious claims?

We printed this Q&A column in the June 10, 2017 edition of The Lewiston Tribune. Q. Before I buy a new home, how can I find out if it had any serious claims? - A. Before you buy a home a little detective work can...

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Q & A: Do I need to insure my ATV?

We printed this Q&A column in the May 10, 2017 edition of The Lewiston Tribune. Q: Do I need to insure my ATV? - A: Generally, “YES”, for two reasons – it may be required by law and your exposure to liability is...

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ATV Insurance & Idaho Law

ATVs and other off-highway vehicles (OHVs) are fast and fun to ride! But summer fun, too often, turns to tragedy when an ATV overturns leading to injury or death of riders or guests. Plus, if your ATV exhaust causes a...

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Disabled Under 65 - New Medicare Supplements Available in Idaho

Medicare Supplement insurance (aka Medigap Plans) will be made available in Idaho to Medicare-eligible individuals under age 65 with disabilities or end-stage renal disease beginning January 1, 2018. This change is...

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We insure FUN at American Insurance!

Sunny weather is coming! Boating on the Snake River. Camping up the middle fork of the Clearwater River. Four wheeling on the prairie. Fishing on the Clearwater. Cruisin’ the open road on U.S. 12. Before you go, get the...

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New ACA Market Stability Rule Issued

The Final Market Stabilization rule to help lower premiums and stabilize individual and small group health insurance markets, and to increase choices for Americans was issued by The Centers for Medicare & Medicaid...

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Tips for Responsible Dog Owners

National Dog Bite Prevention Week® (April 9-15, 2017), is an annual event designed to provide consumers with information on how to be responsible pet owners while increasing awareness of a serious public health issue....

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Dog Bite Claims Up 18% in 2016

Dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2016, costing in excess of $600 million, according to the Insurance Information Institute (...

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Q & A: IDENTITY THEFT - what can I do to protect myself?

We published this column in the April 10, 2017 edition of The Lewiston Tribune. Q: Identity theft - What can I do to protect myself? - A: “Identity theft” has matured into an international organized crime industry. All...

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Zero deductible for glass repair, replacement

As published in the Spring 2017 newsletterAfter the harshest winter in recent memory, your windshield is under attack! The snow is now gone but the gravel remains on our roadways. Odds are, there is a rock with your...

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Celebrating 95 Years - Harry & Blanche Christy, Agency Pioneers

As published in the Spring 2017 newsletter AMERICAN INSURANCE is celebrating 95 years in business during 2017. Our history has become an inseparable part of the communities we serve and covers four generations of...

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Staff earns service awards from Grange Insurance Association

American Insurance Personal Lines staff Lori Chapman, Tina Heitmann, Helen Duman and Shelly Abel are shown with their Grange Insurance Association personal awards received today for outstanding service and dedication to...

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Q&A: When should I re-shop my auto insurance?

We printed this Q&A column in the March 10, 2017 edition of The Lewiston Tribune. Q: When should I re-shop my auto insurance? - A: Right now many companies are taking large increases in their auto insurance rates. A...

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Q&A: How can I get the lowest rate on business insurance?

We printed this Q&A column in the Feb. 10, 2017 edition of The Lewiston Tribune. Q: How can I get the lowest rates on business insurance? - A: Business Insurance rates vary dramatically from company to company. That’...

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2 receive management promotions at American

Two staff members received promotions at American Insurance on Jan. 1. Heather Browning, a Certified Insurance Service Representative (CISR), has been promoted to Commercial Lines Department Manager and agent Jeremy...

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Q&A: Is life insurance expensive?

We printed this Q&A column in the Jan. 10, 2017 edition of The Lewiston Tribune. Q: Is life insurance expensive? - A: The fact is, term life insurance is very affordable and inexpensive, but sadly most people don’t...

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Floods may be coming – are you covered?

Idaho has had more than its share of snow this winter, and the next big weather event may very well be flooding from rapid snow melt or rising water. The Idaho Department of Insurance reminds consumers that water damage...

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Finding lost life insurance policies

Locator will help consumers find lost life insurance policies, annuities. The Idaho Department of Insurance and the National Association of Insurance Commissioners (NAIC) recently announced a national service that...

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Neglecting ‘Life’

Life has a habit of getting very busy – from raising a family, to buying a home, to building a business or a career. We can procrastinate taking care of a fundamental insurance coverage that protects our dreams for the...

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