Paying for high-priced Lexus GS F insurance in Seattle can empty your family’s budget and require stricter spending habits.
It’s hard to fathom, but about 70% of customers kept their policy with the same company for at least the last four years, and nearly half have never compared rates with other companies. American drivers could cut their rates by as much as 47% a year by just shopping around, but most undervalue the benefits if they switched. Consumers have many insurers to insure vehicles with, and though it is a good thing to have multiple companies, it can be more difficult to get the best deal for Lexus GS F insurance in Seattle.
It’s smart to do rate comparisons periodically because rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates on Lexus GS F insurance in Seattle last year there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the easiest way to remove unneeded coverages and save money.
Our objective is to familiarize you with the best way to buy inexpensive auto insurance and some tricks to saving. If you have a current auto insurance policy, you will definitely be able to get lower rates using the techniques presented in this article. Drivers just need to understand the tricks to shop their coverage around online.
The providers in the list below provide free rate quotes in Seattle, WA. If more than one company is shown, we recommend you visit as many as you can to find the cheapest car insurance rates.
Lexus GS F insurance discounts in Seattle
Some insurance providers don’t always advertise every discount in a way that’s easy to find, so the list below details some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Seattle car insurance online.
- Sign Early and Save – A few car insurance companies give discounts for renewing your policy early. This discount can save up to 10%.
- Distant Student Discount – College-age children who attend college more than 100 miles from Seattle and do not have a car may be insured at a cheaper rate.
- Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance because owning a home is proof that your finances are in order.
- Telematics Data – Policyholders that allow their insurance company to scrutinize their driving habits by using a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
- Paper-free Discount – Certain car insurance companies will discount your bill up to fifty bucks shop Seattle car insurance on your computer.
- Responsible Drivers – Insureds without accidents can pay as much as 50% less as compared to drivers with claims.
- 55 and Retired – Seniors are able to get reduced rates.
- ABS Brakes – Cars and trucks with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
- First Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and GEICO will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
- Smart Student Discounts – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.
Large car insurance companies and a partial list of their discounts are shown below.
- AAA offers premium reductions for education and occupation, pay-in-full, anti-theft, good driver, multi-car, and multi-policy.
- Progressive may have discounts that include continuous coverage, homeowner, online quote discount, multi-vehicle, and good student.
- State Farm offers discounts for good student, Steer Clear safe driver discount, defensive driving training, accident-free, and anti-theft.
- Esurance offers discounts including good driver, homeowner, Switch & Save, renters, and paid-in-full.
- Nationwide includes discounts for anti-theft, family plan, accident-free, defensive driving, easy pay, and good student.
When comparing rates, check with all the companies how you can save money. A few discounts might not be offered in Seattle. To view insurers that offer multiple discounts in Seattle, follow this link.
How to Lower Your Insurance Rates
It’s important that you understand the rating factors that help calculate your policy premiums. If you have a feel for what determines base rates, this enables informed choices that could result in cheaper rates.
Shown below are just a few of the factors used by your company to calculate your rate level.
- Discounts for married drivers – Having a spouse can get you a discount on your auto insurance policy. Having a significant other demonstrates that you tend to be more mature and responsible and statistics prove being married results in fewer claims.
- Premiums can be impacted by your job – Careers like fire fighters, police officers, and accountants tend to pay the highest average rates in part from job stress and lengthy work days. On the other hand, professions such as professors, historians and homemakers generally pay rates lower than average.
- Tickets can be expensive – Being a careful driver has a lot to do with how much you pay for insurance. Having just one speeding ticket could increase your next policy renewal by twenty percent. Good drivers pay less for auto insurance as compared to those with violations. People who have dangerous violations such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
- Safety ratings are a factor – Safe vehicles tend to have better insurance rates. The safest vehicles reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If the Lexus GS F is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
- Cheaper rates by bundling – Many companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even if you’re getting this discount you still need to comparison shop to ensure the best deal.
- Always keep your auto insurance policy in place – Letting your insurance expire is a quick way to pay more for auto insurance. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a steep fine or even jail time.
- Drive less and save – The more miles you rack up on your Lexus in a year’s time the higher your rate. A lot of companies charge rates based on how the vehicle is used. Cars and trucks that have low annual miles cost less to insure compared to those used for work or business. Ask your agent if your auto insurance coverage states the right rating data, because improper ratings can cost you money. An incorrectly rated GS F may be wasting your money.
- Optional features that cut rates – Buying a car that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
Compare prices but work with a local Seattle insurance agency
Many drivers prefer to talk to a local agent and that is OK! Good insurance agents can answer important questions and help file insurance claims. The biggest benefit of getting online price quotes is that you can obtain cheap auto insurance quotes and still buy from a local agent. And buying from small agencies is especially important in Seattle.
To help locate an agent, after submitting this short form, your insurance coverage information is immediately sent to agents in your area who will give you quotes for your business. It’s much easier because you don’t need to contact any insurance agencies because prices are sent straight to your inbox. If you have a need to compare prices from one company in particular, don’t hesitate to go to their quote page and fill out the quote form the provide.
If you want to use a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents to choose from. Agents are categorized either independent or exclusive. Either type can properly insure your vehicles, but it is important to understand the difference in the companies they write for since it could factor into buying decisions.
Independent Insurance Agents
Agents that elect to be independent can quote rates with many companies so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If you want to switch companies, the business is moved internally and you won’t have to switch agencies.
When comparing rate quotes, you will want to compare prices from independent agents to have the most options to choose from.
Shown below is a short list of independent insurance agencies in Seattle that may be able to give free auto insurance quotes.
Exclusive agencies generally can only insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums.
Below are Seattle exclusive agents that can give you price quote information.
Choosing an auto insurance agent requires more thought than just the bottom line cost. These are some questions your agent should answer.
- Are they able to provide referrals?
- If they are an independent agency in Seattle, which companies do they recommend?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How many years have they been established?
- Do the agents have professional certifications like CPCU or CIC?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they assist clients in filing claims?
Different people need different auto insurance coverages
When it comes to buying your policy for your vehicles, there really is not a one-size-fits-all type of policy. Every insured’s situation is different.
These are some specific questions may help highlight if you might need professional guidance.
- Who is covered by my policy?
- Do I have coverage for damage caused while driving under the influence?
- Do I have coverage if my license is suspended?
- Am I covered if I hit my neighbor’s mailbox?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered if hit by an uninsured driver?
- Do I need replacement cost coverage on my Lexus GS F?
- How much cheaper are high deductibles?
- How high should my medical payments coverage be?
- Do I need roadside assistance coverage?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.
Do drivers who switch really save $463 a year?
Consumers in Washington can’t ignore all the ads that claim the best prices by companies like Allstate and Progressive. All the ads say the same thing that you can save if you move your coverage to them.
How does every auto insurance company make almost identical claims? Here is how they do it.
Many companies quote their cheapest rates for the type of driver that will generate a profit. An example of a driver they prefer might be described as over the age of 35, has had continuous coverage, and drives less than 5,000 miles a year. A customer that fits those parameters will get a cheap rate quote in Seattle and will save a lot on Seattle Lexus GS F insurance if they switch.
Potential insureds who may not quite match those standards may be forced to pay more expensive rates which usually ends up with business going elsewhere. The trick companies use is to say “drivers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can make claims like that.
Because every company is different, you need to get Seattle car insurance quotes from several different companies. It is impossible to predict the company that will have better rates than you’re paying now.
Be persistent and save
When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.
Insureds change insurance companies for any number of reasons including delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers or denial of a claim. It doesn’t matter why you want to switch switching companies can be less work than you think.
In this article, we presented many tips how you can lower your Lexus GS F insurance rates in Seattle. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the best rates are with a smaller regional carrier.
More detailed car insurance information is located by following these links:
- Where can I buy Insurance? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Good Drivers in Seattle? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 25 in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a 20 Year Old Female in Seattle? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Teen Driving Statistics (GEICO)