Professional Advice on Lower Federal Way Car Insurance

If price shopping car insurance online is new to you, you can be overwhelmed by the vast number of car insurance companies all offering big savings in Federal Way.

It’s a great practice to take a look at other company’s rates before your policy renews because rates fluctuate regularly. Even if you got the best rates a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Pricing the cheapest car insurance in Federal Way is quite easy. Washington vehicle owners only need an understanding of the most efficient way to shop online.

Finding Car Insurance in Federal Way

Effectively comparing car insurance prices can take time and effort if you don’t understand the most efficient way. You could spend the better part of a day driving to insurance agencies in Federal Way, or you could save time and use online quoting to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company provides a quote based on that information. This prevents consumers from doing quotation requests for every car insurance company.

To use this form to compare rates click here to start a free quote.

The one downside to comparing rates this way is you are unable to specify which companies to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of low cost car insurance companies in Washington. Click here to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages and limits for every quote you compare. If you are comparing higher or lower deductibles it’s not possible to decipher which rate is best in Federal Way.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.

• Senior Citizens – Older drivers may be able to get a discount up to 10%.
• Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
• No Claims – Claim-free drivers can earn big discounts compared to bad drivers.
• One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
• Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
• Own a Home – Being a homeowner can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.

It’s important to understand that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

To choose insurers offering car insurance discounts in Washington, follow this link.

Why you might pay higher rates in Federal Way

Consumers need to have an understanding of the different types of things that go into determining the price you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

• Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
• Never allow your policy to lapse – Letting your insurance expire will be a sure-fire way to increase your car insurance rates. Not only will you pay more, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
• Performance makes a difference – The performance level of the vehicle you drive makes a substantial difference in your rates. Lower performance four cylinder passenger models generally have the cheapest insurance rates, but other factors influence the final cost greatly.
• You might want pay the small claims yourself – Companies in Washington give cheaper rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Having a spouse can save you money – Being married actually saves money when buying car insurance. Having a significant other is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
• Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you.

Additional information can be found on the Washington State Office of the Insurance Commissioner website. Click here for link. Visitors are able to download brochures, report car insurance fraud, and read consumer alerts.

Additional helpful sites include QuoteClickInsure.com and CarInsuranceDIY.com.

How can 21st Century, Allstate and State Farm save drivers who switch?

Washington drivers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all make the same claim of big savings if you change your policy.

But how can every company say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 40, has no driving citations, and has excellent credit. Any driver who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.

Consumers who don’t meet this ideal profile must pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save money. That is how companies can state the savings.

This illustrates why drivers should get quotes from several different companies. It’s not possible to predict which company will give you the biggest savings.

Summing up your car insurance search

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Consumers switch companies for many reasons like lack of trust in their agent, being labeled a high risk driver, an unsatisfactory settlement offer or even poor customer service. No matter why you want to switch, finding a great new company can be less work than you think.

In this article, we presented a lot of tips how to compare car insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from the least-expected company.