Costing Too Much for Auto Insurance in Everett, WA? Here’s How to Save!

Perplexed by the number of auto insurance companies in Everett? Many other drivers are as well. People have so many options available that it can turn into a real hassle to find better rates.

This article will introduce you to the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will be able to save some money using these methods. Washington consumers only need an understanding of the tricks to shop over the internet.

Quick Everett Auto Insurance Quotes

There are a lot of ways to shop for auto insurance, and some are less labor-intensive and much quicker. You could waste time discussing policy coverages with local insurance agents in Everett, or you can stay home and use the web to get rates in a matter of minutes.

All the larger companies belong to a marketplace where prospective buyers enter their coverage request one time, and each participating company provides a quote based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for. To use this form to compare rates click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify which carriers you want to price. So if you want to select individual companies to compare rates, we have a page of low cost auto insurance companies in Washington. View list of Washington insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples information with each company. If you compare different values for each quote it’s impossible to decipher which rate is best in Everett.

Cut your auto insurance rates with discounts

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Most are applied at the time of quoting, but a few need to be manually applied in order for you to get them. If you aren’t receiving every discount available, you are throwing money away.

  • Student in College – Youth drivers who live away from home and do not have a car may qualify for this discount.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Homeowners Savings – Owning a home in Everett can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

It’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will cut your overall premium however.

You are unique and your auto insurance should be too

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you will benefit from professional help.

Everett WA insurance prices

  • Do I need roadside assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • Are rental cars covered under my policy?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need higher deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • At what point should I drop full coverage?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Additional auto insurance information can be read on the Washington State Office of the Insurance Commissioner website through this link. Washington consumers can find out industry alerts, learn about specific coverages, and file complaints about an insurance agent or broker.