AYAO Insurance - Kirkland Home and Auto Insurance Agency

Dependable Local Agents: We Will Be There For You

We believe in honesty and transparency.

Visit Our Office in Totem Lake

Team AYAO - Kirkland, WA

Car Insurance | Kirkland, WA

Agency owner, Alice Yao, has been serving Washington since 2007 as a licensed insurance agent. With more than 13 years of experience, she is dedicated to helping people with their insurance needs by providing transparent and helpful information. 

Team AYAO in Kirkland is dedicated to provide professional and responsive service and will always pick up your phone calls and promptly return your emails. 

You can count on us! 

We all want cheap insurance, but more importantly, we want reasonably priced and reliable service, because that is what matters when we need to file a claim. Everyone needs insurance so make sure you choose an agency that you can trust to be there for you.

See what our customers have to say about our highly-rated service:

  • Alice is very helpful. She is knowledgeable and always provides great insights and suggestions regarding policies. She is responsive to all my questions and walks me through the matter in a clear manner. I know I'm in good hands with Alice's help.
  • Alice and her team is amazing! I found them through Allstate's local agent search since I was relocating to Seattle and needed help for renters and auto insurance. I can see why Alice and her team was highly recommended. They are very reliable, informative, prompt, and above and beyond. The process was very smooth since they were there every step of the way; and also were patient and even provided solutions whenever we hit roadblocks. I am glad to have found such an amazing team and can look forward to knowing I am in good hands.
  • Alice is the best insurance agent I have had to date. She is extremely professional and responsive to emails and calls even on the weekend. Occasionally things do slip through the cracks with all of the moving parts at Allstate as a whole, but whenever there is a problem, Alice always takes care of it promptly.

Get a car insurance quote with dependable service from friendly local agents. We will help you to compare your current car insurance and go over all of the coverages in your insurance estimate.

We are here to answer your questions.

When shopping for auto insurance with different insurance companies, it's important to make sure these quotes have comparable coverage limits and deductibles. 

Here are some quick tips when shopping for auto insurance:

  • Bodily Injury and Property Damage Liability meet the Washington state legal requirement. We strongly recommend discussing with an insurance professional before choosing these limits. 
  • Deductibles for Comprehensive and Collision coverages are the same in the comparable quotes. Both of these coverages are required if your car is leased or financed.
  • Uninsured Motorist and Personal Injury Protection coverages are offered to you. In Washington state, both of these coverages are required to be offered to you during the coverage selection process. 
  • Emergency roadside coverage and rental car/travel expense coverage. These coverages come in handy at the time of a claim, so be sure to look for these optional coverages when obtaining a quote.

Auto Insurance 101

Liability coverage: 

Also known as the “other person” coverage, auto liability is the coverage on your policy that covers injuries and damages to the other driver and/or passengers if you were at fault in a car accident. 

This is also the coverage that is required by law in Washington state if the car is registered in the state. 

Personal injury protection (PIP): 

PIP coverage will take care of your injuries if you were involved in a car accident. The best feature of PIP coverage is its immediate benefits after an accident. PIP is also commonly known as the “no-fault coverage” which means the benefits will apply regardless who was at fault for the accident. 

Uninsured motorist coverage: 

Uninsured motorist coverage on your insurance policy will cover for your car repairs and your injuries from an accident in the event where the other driver is responsible but he or she does not have an active insurance policy in place.

Learn more about auto insurance coverages.

Tips and Resources for Kirkland

If you are new to Kirkland, here are some local resources that may help you.

Renewing Tabs & Transferring of Title

Whether you are looking to renew your car tabs, transferring your car title, or any of the following:

  • Emission testing
  • Applying for disabled parking permits
  • Pet licensing

Eastside Auto Licensing in Rose Hill Shopping Center is conveniently located near Downtown Kirkland to meet these needs.

It is located in the plaza right behind U-Haul of Kirkland on NE 85th St and on the same street as Kirkland Costco.

Eastside Auto Licensing
12006 NE 85th Street
Kirkland, WA 98033

(425) 828-4371

Driver Licensing Office

The closest location for driver licensing office for Kirkland is now in Redmond:

Redmond Driver Licensing Office
7225 170th Ave NE
Redmond, WA 98052
(425) 649-4281

Several years ago, there used to be a DMV office in the Kirkland Houghton neighborhood and this office was somewhat of a hidden gem that a lot of people didn't know about. The office was quieter and quicker than its counterpart in Bellevue, and I was told by few friends that the driving test was easier, too. 

Unfortunately this office was closed down permanently in 2009 as part of the cost-cutting measures to the Department of Licensing: Kirkland Department of Licensing to close in September, merge with Bellevue.

The previously new DMV office in Bellevue was also recently shut down at the end of 2019 and all of its services moved to the Redmond office as well. 

Car Window Tinting Service

Although we are known to have many overcast cloudy days in the Greater Seattle area, we actually get quite a bit of sun especially during late spring to early fall months.

Window tinting is a great way to reduce some of the UV exposure from the sun and it also helps to maintain a lower temperature during the hotter summer months. 

For your local window tinting needs, we recommend:

Jay's Tint Shop
12518 130th Ln NE
Kirkland, WA 98034

(425) 825-5560

We used Jay's service recently for one of our cars and we were very satisfied with the quality of their work and prompt service. They were able to answer all of our questions and the appointment went smoothly on the day it was scheduled. It has been more than several months and we couldn't be happier with the quality of work. 

Get a gift card to Jay's Tint Shop!

Mention this review when you call for a quote and we will give you a $20 gift card to Jay's Tint Shop. We encourage everyone to support our local small businesses!

Is AYAO Insurance Near Me?

Our office is located conveniently in the Totem Lake area. 

If you are coming from Downtown Kirkland

  • Take I-405 N from NE 85th St ramp toward Everett
  • Continue on for about 2 miles and take exit 20B for NE 124th St
  • After exit, turn right onto NE 124th St
  • Continue for about 1/2 mile
  • On your left, you will see Kitanda Espresso and Kirkland Fireplace
  • Pull into the plaza and drive parallel to 124th
  • Our office is right next to Kirkland Fireplace

If you are coming from Rose Hill area

  • Turn onto 124th Ave NE going north toward Firloch and Totem Lake
  • Keep going past Ford of Kirkland
  • Turn right onto NE 124th St
  • On your left, you will see Kitanda Espresso and Kirkland Fireplace
  • Pull into the plaza and drive parallel to 124th
  • Our office is right next to Kirkland Fireplace

AYAO Insurance is a boutique insurance agency with focus on helping people to better understand their insurance coverages. 

Copyright © 2022 AYAO Insurance LLC.
Kirkland, Washington

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AYAO Insurance
12700 NE 124th St #9
Kirkland, WA 98034

Alice Yao
WAOIC #716776