Learn Consumer Tested Strategies to Save on Lacey Washington Auto Insurance

Finding better rates for Lacey auto insurance is always a challenge for consumers not familiar with buying insurance online. Drivers have so many choices that it can easily become a ton of work to compare prices in Lacey.

It’s a good habit to shop coverage around once or twice a year because insurance rates change regularly. Just because you had the best rates a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

This article will help educate you on how to effectively get price quotes. If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Although Washington vehicle owners should learn the way companies market insurance on the web and take advantage of how the system works.

Cheap Lacey Auto Insurance Comparisons

There are several ways to shop for auto insurance, but one way is more efficient than others. You could waste a few hours talking to insurance companies in Lacey, or you could use online quoting to get pricing more quickly.

Most car insurance companies take part in a program that enables customers to submit their information once, and at least one company then gives them pricing based on that information. This prevents consumers from doing quotation requests for every auto insurance company. To compare rates now click here to open in new window.

One minor caviat to using this type of system is that consumers can’t choose which companies you will receive quotes from. If you wish to select specific providers for rate comparison, we have a listing of the cheapest auto insurance companies in Washington. Click here to view list.

Which method you use is up to you, but make darn sure you compare apples-to-apples information on every quote. If you compare different limits and deductibles on each one it will be very difficult to make a fair comparison in Lacey. Quoting even small variations in limits can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes helps locate better pricing.

Switch companies and save? Really?

State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the companies make an identical promise that you can save if you switch to their company. But how can every company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the type of customer they prefer to insure. For instance, a profitable customer could possibly be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A customer who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who do not match this ideal profile must pay higher rates which usually ends up with the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully advertise the savings.

This illustrates why drivers must get as many comparisons as possible. It’s just too difficult to predict which company will provide you with the cheapest rates.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but a few must be asked for prior to receiving the credit.

• Safety Course Discount – Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than less cautious drivers.
• Club Memberships – Belonging to a qualifying organization could trigger savings when buying auto insurance.
• Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• No Accidents – Good drivers with no accidents pay much less when compared to accident-prone drivers.
• Save over 55 – Mature drivers may be able to get a discount up to 10%.
• Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

It’s important to note that most credits do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will cut your premiums.

There’s no such thing as the perfect policy

When choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

• What is the difference between comprehensive and collision coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• What should my uninsured motorist coverage limits be in Washington?
• Do I need to file an SR-22 for a DUI in Washington?
• Is my custom paint covered by insurance?
• Exactly who is provided coverage by my policy?
• I don’t drive much so do I pay less?
• Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Additional auto insurance information is available on the Washington State Office of the Insurance Commissioner website located here. Washington consumers can discover disciplinary actions, read state legal mandates and laws, report car insurance fraud, and learn about specific coverages.

In the end, you save

The cheapest auto insurance is attainable both online as well as from independent agents in Lacey, and you need to price shop both in order to have the best price selection to choose from. Some companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

People who switch companies do it for a number of reasons such as policy cancellation, not issuing a premium refund, denial of a claim and high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company is easier than you think.

We’ve covered many ideas to compare auto insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with the least-expected company.