Tonya Kellum State Farm Agency

04/14/2026

Happy National Gardening Day 🌱

There’s something special about a garden… it’s where love is planted, memories are grown, and legacies quietly take root.

Today’s photo is more than just a beautiful moment — it’s a little girl in her great grandmother’s garden. A woman who poured love into her family, and thoughtfully protected them with life insurance long before it was ever needed.

Now, even though she’s no longer here, her care continues to provide, support, and protect the people she loved most.

That’s what planning does. It turns love into something that lasts.

As you enjoy today — whether you’re planting flowers, tending to your home, or spending time with family — it’s a gentle reminder to think about the seeds you’re planting for the future.

If you haven’t reviewed your life insurance, we’re here to help ❤️ Local.Personal. Always in your corner

04/14/2026

Monday wrap-up ✔️
Before you log off for the day—quick reminder we’re here for you.

We help Seattle families protect what matters most: your home, your cars, your income, and your future.

🕘 Office Hours: Mon–Fri 9-5
🌐 Get a quote or review your coverage: tonyakelluminsurance.com

Skip the call center—work with a local agent who knows Seattle and actually picks up the phone.

04/10/2026

04/02/2026

Work hard 🤝 have fun — that’s how we do it around here.

Behind every policy, call, and claim is a team that truly enjoys what we do and who we do it with. Yes, we take protecting our customers seriously… but we also know how to keep it fun along the way.

Because when your team shows up happy, supported, and energized — that’s the kind of service you can feel.

This is us on a “casual” day… but don’t let the laid-back look fool you — we’re still getting it DONE 💪

Want to work with a team that cares and makes it easy? Give us a call — we’ve got you covered.

04/02/2026

When was the last time you reviewed your insurance coverage?
A lot can change in a year! The biggest mistake I see is people assuming they're covered, only to find gaps when it's too late.
Take a few minutes to think it through today. If you haven't reviewed your policies recently, let's schedule an insurance review and make sure your coverage still fits your life.
Call our office today to get started!
Tonya Kellum State Farm 206.524.9898
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03/20/2026

Cover your ASSets - Look 👀 at you car 🚗 and home 🏠 insurance protection as a wall. A wall that separates you from the person that may potentially sue you-
The More ASSets* you have to protect the higher you will want to build that wall*
Not sure how high or thick your wall should be?
Call the Agency ☎️
Tonya Kellum State Farm Agency #206.524.9898

03/19/2026

Would you feel comfortable walking into your insurance office without an appointment?

Most people only think about insurance when something unexpected happens. But when that moment comes, the last thing anyone wants is confusion, long wait times, or difficulty getting clear answers.

That is why the experience matters just as much as the coverage itself.

Being able to walk into an office, ask questions freely, and speak with someone who is patient and welcoming can make a big difference. Insurance policies can be complicated, and small details inside a policy can impact how things work when you actually need them.

Sometimes people live with coverage for years without fully understanding what it includes, what it excludes, or whether it still fits their situation today.

A quick conversation can help clarify things that might otherwise go unnoticed. Whether it is understanding what your policy includes, reviewing recent changes, or simply getting straightforward answers, having someone accessible makes the process much easier.

Experiences like the one shared in this review highlight how valuable it is to have a place where people feel comfortable asking questions and getting help when they need it.

If you have questions about your coverage or want to review what you currently have, call Tonya Kellum State Farm at 206-524-9898 today.

📍 Serving Seattle & across WA
📞 Call us for a FREE quote NOW: 206-524-9898
🌐 tonyakelluminsurance.com
📍 1517 12th Ave Ste 205, Seattle, WA 98122-3956

03/18/2026

Are you driving while pregnant the safest way possible?

Many expecting mothers focus on preparing the nursery, buying baby clothes, and planning doctor visits. But one thing that often gets overlooked is how everyday driving habits can affect safety during pregnancy.

Something as simple as how a seat belt is worn can make a big difference. The lap belt should sit low on the hips and under the belly, while the shoulder belt should run between the breasts and across the chest. Wearing it incorrectly can increase risk in the event of a sudden stop or collision.

Distance from the steering wheel also matters. Health professionals recommend keeping space between your body and the wheel whenever possible. As your pregnancy progresses, adjusting the steering wheel angle can help maintain that distance.

Another important factor is how your body feels while driving. Pregnancy can cause fatigue, dizziness, or nausea unexpectedly. If that happens on the road, the safest choice is to pull over and rest until you feel better.

Long drives may also require more frequent stops to stretch and stay alert, and minimizing distractions like phones or adjusting music can help you stay focused on the road.

Pregnancy brings many changes, and sometimes small adjustments in daily routines can make a meaningful difference in safety.

If you’re expecting and want to review whether your current coverage still fits your growing family, call Tonya Kellum State Farm at 206-524-9898 for a quick policy review.

📍 Serving Seattle & across WA
📞 Call us for a FREE quote NOW: 206-524-9898
🌐 tonyakelluminsurance.com
📍 1517 12th Ave Ste 205, Seattle, WA 98122-3956

03/17/2026

You open your renewal notice and suddenly the price is higher.

No accident.
No claim.
No major change.

So what happened?

Many drivers assume the cost only increases after something goes wrong. The reality is that several factors outside your control can influence pricing.

Roads have become busier again, which means more accidents and more claims being filed. Repair costs have also increased because modern vehicles now include advanced sensors, cameras, and technology that are more expensive to replace.

Inflation has pushed the price of vehicles, parts, and labor higher than before. Severe weather events such as floods, storms, and wildfires also contribute to billions in damages each year, which affects overall pricing across the industry.

Another factor is the rise of electric vehicles. While they offer environmental benefits, they can sometimes be more expensive to repair or replace after a collision.

Understanding these trends can help you make better decisions about your coverage, deductible, and available discounts.

If you have ever wondered why your rate changed or want to review your current coverage, call Tonya Kellum State Farm at 206-524-9898 and ask for a policy review.

📍 Serving Seattle & across WA
📞 Call us for a FREE quote NOW: 206-524-9898
🌐 tonyakelluminsurance.com
📍 1517 12th Ave Ste 205, Seattle, WA 98122-3956

03/16/2026

Most people think their credit score only matters when applying for a loan or buying a home.

But here’s something many people don’t realize: your credit history can also influence how much you pay for insurance.

Many insurers review credit-related information when determining rates. A stronger credit profile may indicate lower risk, which can sometimes lead to lower premiums. On the other hand, poor credit habits can increase costs over time.

The good news is that improving your credit is possible, and small habits can make a meaningful difference.

Start with a few practical steps:

• Pay your bills on time. Even one late payment can affect your score.
• Keep credit card balances low instead of using your full limit.
• Avoid opening too many accounts at once. Multiple applications in a short period can lower your score.
• Review your credit report regularly to catch mistakes or suspicious activity early.

These habits don’t just strengthen your financial stability — they can also influence long-term expenses like loans, housing, and insurance.

Many people don’t realize how connected these financial pieces are until they’re already paying more than expected.

If you’d like to better understand how credit factors into insurance pricing, call Tonya Kellum State Farm at 206-524-9898 for guidance.

📍 Serving Seattle & across WA
📞 Call us for a FREE quote NOW: 206-524-9898
🌐 tonyakelluminsurance.com
📍 1517 12th Ave Ste 205, Seattle, WA 98122-3956