Are you burned out from robbing Peter to pay Paul to keep your car insured? You’re in the same situation as the majority of other people in Washington.
Unthinkable but true, the vast majority of Washington auto insurance customers renewed their policy with the same company for four years or more, and about 40% of consumers have never shopped around. Drivers in America could cut their rates by nearly 46.5% a year just by shopping around, but they just assume it takes a lot of time to save money by comparing rate quotes.
Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurers to discover the definitive lowest cost out there.
If you are paying for car insurance now, you will definitely be able to buy cheaper auto insurance using this strategy. Choosing the most cost-effective auto insurance policy in Seattle is actually not that difficult if you follow our advice. But Washington drivers must understand the methods companies use to sell insurance online because it varies considerably.
Get cheaper rates with discounts
Some insurers do not advertise every possible discount very well, so below is a list a few of the more common and the harder-to-find credits available to you.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
- Include Life Insurance and Save – Select auto insurance companies reward you with a lower premium rate if you buy auto and life insurance together.
- Own a Home – Simply owning a home can get you a discount since home ownership demonstrates responsibility.
- Air Bags and Passive Restraints – Vehicles with factory air bags can receive discounts of up to 25% or more.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
- College Student – Children who are enrolled in a college that is more than 100 miles from Seattle and don’t have a car can be insured at a reduced rate.
- Defensive Driver Discount – Completing a course teaching driver safety skills could earn you a small percentage discount and also improve your driving technique.
- One Accident Forgiven – Not necessarily a discount, but companies like Allstate, State Farm and GEICO permit an accident without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.
- Military Discounts – Being deployed with a military unit could be rewarded with lower rates.
- Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn discounted premium rates on garaged vehicles.
Don’t be shocked that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.
Auto insurance companies who may offer these benefits include:
If you need lower rates, check with every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered in Seattle.
When comparing auto insurance rates, know that comparing more rates from different companies helps you find more affordable rates.
The companies shown below are ready to provide free rate quotes in Seattle, WA. If multiple companies are listed, we suggest you visit as many as you can to get the lowest price.
There’s no such thing as the perfect car insurance policy
When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique and your car insurance should unique, too.
Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.
- Where can I find high-risk insurance?
- Do I need PIP coverage since I have good health insurance?
- Is my business laptop covered if it gets stolen from my vehicle?
- When should I remove comp and collision on my Audi RS7?
- Do they offer discounts for home and auto coverage?
- What is UM/UIM insurance?
- Should I have a commercial auto policy?
- When should my teen driver be added to my policy?
- What if I total my Audi RS7 and owe more than it’s worth?
- Should I rate my Audi RS7 as pleasure use or commute?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Shop online but buy locally
A small number of people just want to have an agent’s advice and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is the fact that you can find cheap insurance rates and also buy local.
After completing this quick form, the quote information is sent to agents in your area that give free quotes for your business. It’s much easier because you don’t need to find an agent because prices are sent to you instantly. It’s the lowest rates and a licensed agent to talk to. If you wish to get a comparison quote from a specific insurance provider, feel free to find their quoting web page and submit a quote form there.
Picking an insurer requires more thought than just the premium amount. Below are some questions you should ask.
- Does the agency support the community they serve?
- Do they offer rental car reimbursement?
- Which insurance companies are they affiliated with?
- Can glass claims be handled at your home?
- By raising physical damage deductibles, how much would you save?
What type of Seattle car insurance agent is right for you?
If you prefer to buy insurance from a local insurance agency, you should know the types of insurance agents and how they operate. Agents in Seattle can be categorized as either independent agents or exclusive agents.
Exclusive agents can usually just insure with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare other company’s rates so they really need to provide good service. Exclusive agents are usually quite knowledgeable on sales techniques which helps them sell on service rather than price.
Below is a short list of exclusive agents in Seattle that are able to give rate quotes.
Independent Insurance Agencies
Agents that elect to be independent are appointed with more than one company so they can quote policies through many different insurance companies and find the cheapest rate. If prices rise, the business is moved internally without you having to go to a different agency. If you need cheaper insurance rates, you need to check rates from at least one independent agent so that you can do a thorough price comparison.
Listed below are independent agents in Seattle that are able to give price quote information.
One last thing about your coverage
Throughout this article, we presented a lot of tips how to get a better price on Audi RS7 insurance in Seattle. The key concept to understand is the more quotes you get, the better your comparison will be. You may even be surprised to find that the lowest rates are with the least-expected company. These smaller insurers often have lower auto insurance rates on specific markets than their larger competitors like State Farm or Progressive.
While you’re price shopping online, do not reduce needed coverages to save money. In many cases, drivers have reduced collision coverage only to discover later that they should have had better coverage. Your aim should be to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.
Additional car insurance information can be found on the following sites:
- Determing Auto Insurance Rates (GEICO)
- Who Has Cheap Car Insurance Rates for a Honda CR-V in Seattle? (FAQ)
- Who Has Cheap Car Insurance for Seniors in Seattle? (FAQ)
- Who Has Affordable Seattle Car Insurance for a Nissan Versa? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Event Data Recorders FAQ (iihs.org)