Cheapest Quotes on Everett Car Insurance

Do you want cheaper auto insurance rates in Everett, WA? Having to pay for pricey auto insurance in Everett can draw down your monthly budget and maybe even restrict other spending.

Unthinkable but true, over 70% of Washington drivers have bought auto insurance from the same company for more than four years, and almost 40% of drivers have never taken the time to shop around. Consumers in the U.S. could save themselves up to 46.5% a year just by comparing rates, but they don’t understand how simple it is to compare rate quotes.

Companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the propaganda and take the time to shop coverage around.

If you have a policy now, you will be able to get lower rates using the concepts covered in this article. Finding the cheapest car insurance coverage in Everett is easy if you know what you’re doing. Nevertheless, Washington vehicle owners need to have an understanding of the way companies determine prices and use this information to your advantage.

Keep in mind that obtaining a wide range of quotes increases your odds of finding the best rates. Some smaller insurers do not give online price quotes, so you should also compare price quotes from them, too.

The companies in the list below are ready to provide free quotes in Everett, WA. If multiple providers are shown, we recommend you compare several of them to get a more complete price comparison.


Insurance Cost Estimates for Popular Vehicles in Everett
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $910 $455 $76
Dodge Ram Crew Cab TRX 2WD $748 $374 $62
Ford Edge Limited AWD $1,060 $530 $88
Ford Escape XLS 4WD $864 $432 $72
Ford Explorer Eddie Bauer 4WD $918 $459 $77
Ford F-150 XL Crew Cab 4WD $1,216 $608 $101
Ford Focus SE 2-Dr Coupe $1,292 $646 $108
Ford Fusion S 4-Dr Sedan $1,012 $506 $84
Honda Accord LX 4-Dr Sedan $968 $484 $81
Honda CR-V EX-L 2WD $1,022 $511 $85
Honda Civic LX-S 4-Dr Sedan $916 $458 $76
Hyundai Sonata GLS 4-Dr Sedan $994 $497 $83
Nissan Altima 2.5 S 4-Dr Sedan $1,350 $675 $113
Nissan Rogue SL 2WD $1,086 $543 $91
Toyota Camry XLE $824 $412 $69
Toyota Corolla S $1,250 $625 $104
Toyota RAV4 2WD $896 $448 $75
Volkswagen Jetta S 4-Dr Sedan $884 $442 $74
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can affect auto insurance rates noticeably.

Full coverage or liability only

The information below shows the comparison of Chevrolet Tahoe car insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no violations or accidents, $100 deductibles, single female driver, and no other discounts are factored in.

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

Should you be buying full coverage?

There isn’t a steadfast formula to stop buying comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Chevrolet Tahoe replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying the physical damage deductible. If you are currently paying more than $200 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.

Age, gender, and differences in insurance rates

The example below illustrates the difference between car insurance costs for male and female drivers in Everett. The prices are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are factored in on a Toyota Camry SE.

Toyota Camry rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Policy deductible comparison

The chart below demonstrates how deductible levels and can raise or lower Dodge Ram insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Don’t neglect these discounts on auto insurance

Auto insurance is expensive, but there could be significant discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be specially asked for in order for you to get them.Auto insurance discounts

Please keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.

To view providers that offer some of these discounts in Washington, follow this link.

Eight decisions that affect insurance costs

Many factors are taken into consideration when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are less obvious such as your credit history or how financially stable you are.

The list below includes some of the items used by companies to determine your rates.

Eliminate incidental coverages – There are many optional add-on coverages that sound like a good idea at the time when buying insurance. Coverage for things like personal injury protection, accident forgiveness, and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Consider raising physical damage deductibles – The deductibles you choose define the amount you are required to spend if a covered claim is submitted. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. Examples of some claims that would be covered are a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more expense you’re willing to pay, the less your company will charge you for insurance.

Always keep your policy in place – Letting your insurance expire will be a guaranteed way to increase your renewal premiums. Not only will you pay higher rates, failure to provide proof of insurance may result in a revoked license or a big fine. You will then be forced to prove you have insurance by filing a SR-22 with the Washington motor vehicle department.

Rates can be impacted by your job – Occupations like lawyers, executives and dentists usually pay higher premiums than the average policyholder in part from intense work situations and long work days. On the flip side, jobs such as actors, historians and performers have lower than average premiums.

Liability insurance is cheap – The liability coverage on your policy is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to physical damage coverage, so do not skimp.

Married drivers get better premiums – Your spouse may cut your premiums on insurance. It generally demonstrates drivers are more stable financially and statistics prove married drivers get in fewer accidents.

Compare rates if you bundle your policies – Most major insurance companies provide a discount to clients who consolidate policies with them in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. If you currently are using one company, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.

Improve your credit score – Your credit score factor in calculating your premium rate. Therefore, if your credit score leaves room for improvement, you may save money insuring your vehicle by taking the time to improve your credit score. Drivers who have high credit ratings tend to be more responsible than drivers who have worse credit.

Independent or exclusive insurance agents

A small number of people still prefer to get advice from a local agent and that can be a great decision The biggest benefit of price shopping on the web is the fact that drivers can get cheap car insurance rates and still choose a local agent.

By using this form (opens in new window), your information is instantly submitted to local insurance agents in Everett who will give you quotes for your business. You don’t have to drive around as quotes are delivered to your email. You can find better rates and a licensed agent to work with. If you want to get a rate quote from one company in particular, you can always navigate to their website and give them your coverage information.

Choosing an insurer should depend on more than just a cheap price quote. These are some questions you should get answers to.

If you are wanting to purchase car insurance from a local Everett insurance agent, you must know there are a couple types of insurance agents and how they are slightly different. Car insurance agents can either be exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive agents have only one company to place business with like State Farm or Allstate. They are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents are well trained on the products they sell and that allows them to sell at a higher price point.

Listed below are exclusive agents in Everett that can give you price quotes.


5920 Evergreen Way hEverett, WA 98203(425) 743-1122View Map


2003 132nd St SE DEverett, WA 98208(425) 775-4511View Map


10611 Evergreen WayEverett, WA 98204(425) 355-1515View Map

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Independent Car Insurance Agents

Independent insurance agents can quote rates with many companies so they have the ability to put coverage with many different companies and get the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company which makes it simple for you. When comparing rate quotes, you should always get rate quotes from multiple independent agents to have the best price comparison.

The following is a short list of independent agencies in Everett that are able to give comparison quotes.


2920 Hewitt AveEverett, WA 98201(425) 212-3505View Map

Un Denneny Insurance Agency Inc
10604 4th Ave WEverett, WA 98204(425) 423-0767View Map


9502 19th Ave SE gEverett, WA 98208(425) 379-5063View Map

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Cheap insurance premiums are possible

We just covered many ideas to reduce insurance car insurance rates online in Everett. The key thing to remember is the more providers you compare, the higher your chance of finding the cheapest Everett car insurance quotes. You may even discover the most savings is with some of the lesser-known companies. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive or GEICO.

A few companies may not have internet price quotes and many times these small insurance companies provide coverage only through independent agents. Affordable insurance in Everett can be found online in addition to local insurance agencies, and you should be comparing both to have the best selection.

While you’re price shopping online, never reduce coverage to reduce premium. In many cases, someone dropped liability limits or collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

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