Discover How to Find the Lowest Price on Washington Car Insurance

Scraping up a payment for overpriced car insurance can drain your personal savings and force you to make sacrifices. Comparison shopping is free and is an excellent way to cut your insurance bill.

Insurance companies such as Allstate and Progressive all claim big savings, bombarding you with catchy ads and consumers find it hard to see past the corporate glitz and find the best price available.

It’s a good habit to compare rates on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the best price six months ago the chances are good that you can find a lower rate today. So block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to properly buy coverages and cut your premium.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Some trigger automatically when you get a quote, but a few must be inquired about before they will apply.

• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Federal Government Employee – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
• Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
• Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
• Senior Discount – Older drivers may receive better car insurance rates.
• Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will cut the amount you have to pay.

To choose insurance companies offering car insurance discounts in Washington, click here.

Comparison of Car Insurance in Washington

All major car insurance companies like State Farm, GEICO and Progressive quote insurance quotes on the web. Getting online quotes is fairly straightforward as you just type in your coverage preferences into a form. Once you submit the form, the system automatically retrieves your driving record and credit report and generates a price. Being able to quote online streamlines rate comparisons, but the work required to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you want to find the best price on car insurance.

The quickest way to compare car insurance pricing requires only one form that obtains quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes price shopping online much more enjoyable. Immediately after you send the form, it is rated and you are able to buy any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To quickly compare rates now, click here and enter your information. If you have coverage now, it’s recommended you duplicate coverages and limits identical to your current policy. This guarantees you will have a rate comparison using the same coverage and limits.

Everyone needs different coverages

When choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation could use an agent’s help.

• Do I need motorclub coverage?
• Am I covered when driving in Canada or Mexico?
• When should I remove comp and collision on my vehicle?
• Are split liability limits better than a combined single limit?
• When do I need to add a new car to my policy?
• Can I afford to pay high deductible claims out of pocket?
• Is my vehicle covered for smoke damage?
• Should I put collision coverage on all my vehicles?
• Do I need higher deductibles?
• Do I need rental car coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

One last thing about your coverage

You just learned some good ideas how you can compare car insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the lowest premiums are with the smaller companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Affordable car insurance can be sourced online and with local Washington insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and these regional insurance providers work with independent agents.