This would be a much quicker read if we could tell you the one Washington auto insurance company that has the cheapest rate quotes in Washington. It’s just not that easy, however, as there are a ton of unknown factors such as your credit rating, if you have a tendency to get into accidents, the neighborhood you live in, and if you are a homeowner or renter. The information below covers the best ways to avoid paying too much and will hopefully give you a jump start in finding the best auto insurance.
The make and model of vehicle you are seeking coverage for is one of the biggest factors when comparison shopping for the most affordable car insurance for a school permit. Vehicles with lower acceleration and performance, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than high performance models. The information below ranks auto insurance prices for the most economical automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$5,961|
|Honda CR-V EX 2WD||$5,968|
|Ford Escape Limited 4WD||$6,378|
|Jeep Wrangler Rubicon 4WD 2-Dr||$6,709|
|Ford Focus SE 4-Dr Sedan||$7,015|
|Ford Edge SE AWD||$7,024|
|Chevrolet Impala LS||$7,015|
|Chevrolet Equinox LT 2WD||$7,070|
|Toyota RAV4 4WD||$7,078|
|Toyota Camry LE||$7,070|
|Ford F-150 Lariat Crew Cab 2WD||$7,123|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$7,132|
|Dodge Grand Caravan SXT||$7,123|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$7,130|
|Compare Cheap Rates Go|
Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in vehicle garaging location which can modify auto insurance rates substantially.
Based upon the rates shown, we can infer that vehicles like the Honda Accord, Honda CR-V, and Ford Escape should be a few of the most budget-friendly vehicles to insure for a learners permit. Auto insurance rates will be higher anyway because there is more claim exposure for a school permit, but generally speaking those vehicles will tend to have the least expensive rates compared to other types of vehicles.
One of the more important criteria that are used to help calculate the cost of insurance is where you normally keep your vehicle. Areas with more people or higher crime rates will most likely pay more, whereas areas that tend to be more rural can boast about having cheaper rates.
The table below rates the most expensive places in Washington for a school permit to buy auto insurance in. Seattle ranks #5 with an annual premium of $1,391 for the average policyholder, which is approximately $116 each month.
|Start a Quote Go|
Price information shown is estimated as specific location information can increase or decrease price quotes noticeably.
Finding out which company quotes the best auto insurance rates for a school permit will require a little more work in order to find a policy that fits your budget.
Every car insurance company has their own formula to establish rates, so let’s take a look at the auto insurance companies with the most affordable rates in Seattle, WA. It’s a good idea to be aware that Seattle, WA auto insurance rates are based on many factors which can significantly increase or decrease the cost of a policy. Simply turning a year older, moving across town, or getting a driving violation can cause premium changes resulting in some companies being cheaper than before.
Find Cheaper Auto Insurance for Students
|Rank||Company||Cost Per Year|
|Get Personalized Rates Go|
Capital offers some of the best car insurance rates in Seattle at around $784 each year. This is $628 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the lowest-priced Seattle, WA car insurance companies.
In the rate table above, if you currently buy coverage from Travelers and switched to Grange, you may realize a yearly savings of around $181. Drivers with Mutual Enumclaw could save as much as $187 a year, and USAA customers might realize rate reductions of up to $203 a year.
Be aware that those policy prices are averages for all insureds and vehicles and and are not calculated with a specific vehicle garaging location for a school permit. So the auto insurance company that can offer you the lowest price may not even be in the top 25 companies shown above. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.
The illustration below shows how choosing a deductible can change insurance premiums when getting quotes for cheap insurance for a school permit. The premiums assume a married female driver, full coverage, and no discounts are applied to the premium.
A 50-year-old driver could pocket $200 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $304 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, have the ability to save as much as $498 each year by using a higher deductible. When choosing a higher deductible, it will be required to have enough spare savings to cover the extra out-of-pocket expense associated with higher deductibles.
Insurance rate increases from tickets or accidents
In a perfect world, the best way to enjoy cheap auto insurance premiums in Washington for a learners permit is to pay attention while driving and avoid accidents and violations. The chart below shows how violations and at-fault collisions can influence insurance prices for each age group. The costs are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,328. Receive one speeding ticket and the average cost hikes up to $1,504, an increase of $176 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a school permit increases to an average of $3,095. That’s an increase of $1,767, or $147 per month, just for not keeping your driving record clean!
Ideas to find cheaper insurance for a school permit
The list below shows some money-saving ideas that can help drivers buy cheaper coverage.
- Bundle car and home insurance and save money
- Accidents can significantly increase rates
- Remove physical damage coverage on older vehicles
- Safer vehicles cost less to insure
- Pay cheaper rates with good credit scores
- Look for cheaper rates once a year by shopping around
The last tip is incredibly significant, as we noted in this write-up. Prices can be changed at any time, so don’t be unwilling to switch carriers if a lower price can be found. Having brand loyalty is commendable, but it’s not recommended if that stubbornness costs you a lot of money. In just a couple of minutes you could compare rates and find cheaper car insurance for a school permit in Seattle.
The Seattle auto insurance agencies shown below can probably provide answers to your questions and help you determine which coverages you need, since some drivers aren’t sure which coverage they need and prefer to have professional advice when comparing insurance rates for a learners permit. It can be hard to find coverage yourself, and professional agents can add satisfaction knowing your coverage gives you decent coverage if you have a claim. To locate a Seattle insurance agent close to you, click the button after the list.
Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500
Michael Wong Insurance
1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171
Norwest Insurance Agency
5191 S Spencer St – Seattle, WA 98118 – (206) 965-8140
Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747
David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388