Best Redmond Auto Insurance Quotes

Having to pay for high-priced car insurance in Redmond can deplete your savings and force you to make sacrifices. Comparing rate quotes can lower your rates and help to lower your bills every month.

Amazingly, most Washington car insurance customers kept buying from the same company for well over three years, and practically 40% of car insurance customers have never quoted rates to find cheaper coverage. U.S. consumers could save up to $850 every year, but they don’t believe how much they could save if they switch to a new company. Consumers have multiple car insurance companies to pick from, and although it’s nice to have a choice, lots of choices makes it harder to find the best rates.

The companies shown below offer free rate quotes in Washington. If multiple companies are shown, we recommend you compare several of them to find the most competitive car insurance rates.

Insurance Price Estimates for Popular Vehicles in Redmond
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $918 $459 $77
Chevrolet Silverado LS Crew Cab 4WD $1,278 $639 $107
Dodge Ram Quad Cab Laramie 2WD $814 $407 $68
Ford Escape Limited 2WD $804 $402 $67
Ford F-150 FX4 Super Cab 4WD $1,014 $507 $85
Ford Focus SE 4-Dr Sedan $1,020 $510 $85
Ford Fusion SEL 4-Dr Sedan $868 $434 $72
Honda Accord LX-P 4-Dr Sedan $862 $431 $72
Honda CR-V LX 2WD $660 $330 $55
Honda Civic EX 2-Dr Coupe $1,096 $548 $91
Honda Odyssey Touring $1,270 $635 $106
Hyundai Elantra SE Touring Station Wagon $1,090 $545 $91
Jeep Grand Cherokee Limited 2WD $748 $374 $62
Nissan Altima 3.5 SR 4-Dr Sedan $958 $479 $80
Nissan Rogue S 2WD $946 $473 $79
Toyota Camry Hybrid $888 $444 $74
Toyota Corolla S $1,094 $547 $91
Volkswagen Jetta LE 4-Dr Sedan $780 $390 $65
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in your specific Redmond location which can lower or raise premium rates significantly.

Full coverage or liability only

The illustration below examines Chevrolet Silverado insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or driving violations, $100 deductibles, married male driver, and no policy discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you be buying full coverage?

There is no exact formula of when to drop physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s pretend your Chevrolet Silverado book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Auto insurance in Washington serves several purposes

Even though rates can get expensive, auto insurance serves a purpose in several ways.

The benefits of carrying enough insurance are definitely more than the cost, especially when you need to use it. Today the average American driver is overpaying over $865 each year so compare quotes from several companies at every renewal to make sure the price is not too high.

Don’t listen to company ads

Consumers in Washington can’t get away from ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all make the point that you’ll save big after switching your coverage.

It sounds good, but how can they all sell you cheaper insurance coverage? It’s all in the words they use.

Insurance providers have strict underwriting profiles for the type of driver they prefer to insure. An example of this type of risk profile might have to be over the age of 50, has no tickets, and drives a safe vehicle. Any new insured who meets those qualifications receives the best auto insurance rates in Redmond and will cut their rates substantially.

Insureds who don’t measure up to this ideal profile may be forced to pay a higher rate with the end result being the customer buying from a different company. The trick is to say “customers that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can make those statements.

Because of this risk profiling, drivers should compare many company’s prices. It’s impossible to know which car insurance company will provide the lowest car insurance in Redmond.

Lower rate quotes by earning these nine discounts

Car insurance is not an enjoyable expense, but you might be missing out on some discounts that can help lower your rates. Certain credits will be shown when you get a quote, but once in a while a discount must be specifically requested in order for you to get them.Discount car insurance

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Despite the appearance that you can get free auto insurance, you’re out of luck. But all discounts will cut your car insurance premiums.

Companies who may offer some of the discounts shown above may include but are not limited to:

If you need inexpensive Redmond auto insurance quotes, ask each company or agent what discounts are available to you. A few discounts may not be available in every state. To view insurers with discount car insurance rates in Redmond, follow this link.

Get rate quotes but buy from a local neighborhood Redmond car insurance agent

A lot of people just want to sit down with an agent and doing so can bring peace of mind Professional insurance agents are very good at helping people manage risk and help you file claims. One of the best bonuses of getting free rate quotes online is that you can find cheap rate quotes and still have an agent to talk to. And providing support for neighborhood insurance agencies is important especially in Redmond.

Once you complete this form (opens in new window), the quote information is emailed to companies in Redmond who will return price quotes to get your business. There is no need to leave your house because prices are sent immediately to your email address. If you have a need to get a comparison quote from a specific insurance company, just jump over to their website to submit a rate quote request.

Do you need an independent or exclusive car insurance agent?

If you’re trying to find an insurance agent, it’s helpful to know the different types of agencies and how they function. Redmond agents can either be independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it’s good to learn the subtle differences since it could factor into the type of agent you choose.

Independent Auto Insurance Agencies or Brokers

These agents often have many company appointments and that is an advantage because they can write policies with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can just switch to a different company without you having to go to a different agency. When comparing rates, we recommend you include price quotes from several independent agencies so that you can do a thorough price comparison.

The following are independent agencies in Redmond who can help you get price quotes.

8195 166th Ave NE #201Redmond, WA 98052(425) 868-1123View Map

620 Kirkland Way #100Kirkland, WA 98033(425) 883-3774View Map

Safeco Plaza, 1001 4th Ave #800Seattle, WA 98154(206) 545-5000View Map

More Redmond agents

Exclusive Agencies

Agents in the exclusive channel can only provide one company’s prices such as American Family, State Farm, and Allstate. They usually cannot compare other company’s rates so always compare other rates. Exclusive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Listed below are Redmond exclusive agents willing to provide price quote information.

16126 NE 87th StRedmond, WA 98052(425) 883-4167View Map

16932 Woodinville-Redmond Rd NE #207Woodinville, WA 98072(425) 481-6688View Map

16720 Redmond Way Ste E1Redmond, WA 98052(425) 883-7633View Map

More Redmond agents

Picking an car insurance agent is decision based upon more than just a cheap price quote. Here are some questions to ask:

Tailor your insurance coverage to you

When it comes to coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your insurance should unique, too.Insurance savings
For example, these questions might point out if your situation could use an agent’s help.

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Learning about specific coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, X-ray expenses and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, theft, vandalism, falling objects and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/10 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $10,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, pain and suffering, medical services, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Washington requires minimum liability limits of 25/50/10 but you should think about purchasing more liability than the minimum.

Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Since many Washington drivers carry very low liability coverage limits (which is 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liability limits.

More comparisons equals cheap rates

You just read quite a bit of information on how to save on insurance in Redmond. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the best price on insurance is with a small mutual company. Some small companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret that they should have had better coverage. Your strategy should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

Additional resources