Writing this article would sure be easy if we could tell you the single company that has the rock bottom lowest rates in Washington. Unfortunately, it’s just not that easy, as there are a whole bunch of unknowns like whether or not your vehicle has good safety ratings, how old you are, and what coverage limits you want, that all have an effect on the price. This article goes into detail about these topics and will hopefully give you some help in finding cheaper rates.
For felons, one of the more important components that are looked at to help calculate the cost of insurance is your address in Seattle. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The next table shows the highest-priced places in Washington for felons to purchase car insurance in. Seattle is listed at #9 with an annual cost of $1,349 for coverage, which is about $112 per month.
|Rank||City||Average Per Year|
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Table data uses estimated as the vehicle garaging location can impact insurance rates considerably.
The vehicle model you are buying coverage for is one of the primary factors when shopping for low-cost car insurance for felons. Vehicles with higher performance characteristics, a lack of advanced safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The list below ranks insurance prices for some of the most economical automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,587|
|Ford Explorer Eddie Bauer 2WD||$1,781|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,789|
|Ford Edge SEL AWD||$1,841|
|Honda CR-V EX-L 2WD||$1,858|
|Toyota RAV4 Limited 4WD||$1,878|
|Chevrolet Malibu Hybrid||$1,888|
|Toyota Corolla XRS||$2,012|
|Toyota Tacoma 4WD||$2,038|
|Honda Odyssey EX||$2,110|
|Ford Focus SE 2-Dr Coupe||$2,119|
|Dodge Ram 2500 Crew Cab ST 2WD||$2,147|
|Toyota Camry Hybrid||$2,153|
|Kia Optima EX||$2,147|
|Nissan Altima 2.5 4-Dr Sedan||$2,150|
|Jeep Grand Cherokee Laredo 2WD||$2,155|
|Volkswagen Jetta S 4-Dr Sedan||$2,150|
|Dodge Grand Caravan Crew||$2,193|
|Chevrolet Impala LS||$2,255|
|Chevrolet Equinox LTZ AWD||$2,304|
|Chevrolet Silverado LS Extended Cab 2WD||$2,307|
|Ford Fusion Hybrid 4-Dr Sedan||$2,370|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Seattle, WA garaging location which can decrease or increase coverage rates noticeably.
Based on these rates, you can infer that vehicles like the Ford Escape, Ford Explorer, Jeep Wrangler, Ford Edge, and Honda CR-V are most likely to be a few of the most economical vehicles to insure for felons.
The example below highlights how deductible selection can influence annual premium costs when researching cheap insurance for felons. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower their policy premium by $204 a year by switching from a $100 deductible to a $500 deductible, or save $312 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could potentially save $682 annually by using a higher deductible.
When increasing deductibles, it is essential to have emergency funds available to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How to get discounts on Seattle auto insurance rates
Auto insurance companies that offer quotes for felons may have price discounts that can lower rates by as much as 35% if you are eligible. Companies and some of their more popular discounts can be found below.
- State Farm has discounts for good driver, passive restraint, multiple policy, safe vehicle, and Drive Safe & Save.
- American Family offers premium reductions for good driver, accident-free, early bird, bundled insurance, Steer into Savings, and mySafetyValet.
- AAA may have discounts that include education and occupation, good driver, pay-in-full, multi-car, good student, and anti-theft.
- GEICO offers discounts including seat belt use, emergency military deployment, anti-lock brakes, good student, defensive driver, multi-policy, and daytime running lights.
- Mercury Insurance has savings for annual mileage, location of vehicle, age of vehicle, good driver, professional/association, and accident-free.
- Farmers Insurance discounts include bundle discounts, pay in full, switch companies, homeowner, early shopping, youthful driver, and teen driver.
- Progressive includes discounts for continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.
The diagram below shows the difference between auto insurance rates with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or violations, Washington state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, multiple policy, anti-theft, multiple vehicle, marriage, and safe-driver discounts applied. When discounts are factored in, theaverage amount saved on insurance for felons is 27% or $472.
Rate comparison of full coverage and liability-only
Saving money on insurance should be important to the majority of vehicle owners, and one easy way to pay less for insurance for felons is to buy only liability coverage. The example below compares annual premium costs with and without physical damage coverage. The costs are based on no claims or driving citations, $100 deductibles, single marital status, and no policy discounts are applied.
If averaged out across all ages, physical damage coverage on your policy costs $2,266 per year over liability only. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no exact rule of when to eliminate physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
How to find budget-friendly car insurance for felons
Below you’ll find some of the better penny-pinching ideas that can help drivers buy cheap car insurance.
- Increase deductibles to save money
- Drive attentively and avoid accidents
- Safer vehicles cost less to insure
- Pay cheaper rates with good credit scores
- Save money by insuring older vehicles for liability only
- Save money by obeying traffic laws and keeping a clean driving record
- Keep rates low by comparing prices once a year
The final tip is particularly crucial, as was discussed in the prior article. Prices vary considerably, so drivers shouldn’t be resistant to buy a different policy if a lower-cost policy is available.
Many consumers stick with the same company and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. It only take a few minutes to compare prices and find cheaper insurance for felons in Seattle.
If you aren’t sure which coverage to buy and prefer to get help from a professional when comparing insurance rates for felons, the agents listed below are a good start to help you make a decision which policy is best. To find an auto insurance agency close to you, click the button below the list or click here to compare price quotes now.
Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747
Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151
Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211