Pasco Car Insurance Buying Tips You Aren’t Supposed to Know

If shopping for car insurance online is new to you, you may be confused by the large number of online car insurance companies and websites offering insurance in Pasco.

If you are insured now or are looking for a new policy, you can learn to shop for the lowest rates while maintaining coverages. This information will familiarize you with the most effective way to quote insurance and some tips to save money. Washington drivers only need an understanding of the proper methods to shop for car insurance online.

Save money by taking advantage of these discounts

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Most are applied when you complete an application, but some may not be applied and must be specifically requested before you get the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Safety Course Discount – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
• Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a set time period.
• Paperwork-free – Some insurance companies may give you up to $50 for buying your policy over the internet.
• Air Bag Discount – Cars that have air bags can get savings of up to 25% or more.
• Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Save over 55 – Mature drivers may qualify for a small decrease in premiums.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

To choose providers who offer car insurance discounts in Pasco, follow this link.

Additional information can be read on the Washington State Office of the Insurance Commissioner website through this link. Washington drivers can file complaints about an insurance agent or broker, read consumer alerts, get help finding coverage, and find disaster information.

Additional helpful sites include QuoteClickInsure.com and this list of agents in Pasco, WA.

Keep this in mind

Throughout this article, we presented quite a bit of information on how to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best prices are with a small mutual company.

Drivers change insurance companies for a variety of reasons including poor customer service, delays in responding to claim requests, lack of trust in their agent or even unfair underwriting practices. Regardless of your reason, switching companies is not as hard as you think.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage only to find out that they should have had better coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.