Want to know an easy way to compare more affordable Chevy Uplander insurance in Seattle? I can’t think of anyone who rejoices having to buy auto insurance, especially when they could find lower prices if they just compared rates.
A recent study showed that most drivers have bought auto insurance from the same company for well over three years, and about 40% of consumers have never shopped around. Drivers in Seattle can save hundreds of dollars each year just by comparing rates, but they don’t invest the time required to compare other rate quotes. Big-name insurance companies like Allstate and Progressive persitently shower you with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.
Companies offering Chevy Uplander insurance in Seattle
The auto insurance companies shown below have been selected to offer free quotes in Seattle, WA. If the list has multiple companies, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Get cheaper rates by getting these ten discounts
Car insurance is not inexpensive, but you may find discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but a few need to be requested specifically before being credited.
- Accident Free – Insureds who avoid accidents and claims get the best car insurance rates when compared with drivers with a long claim history.
- Club Memberships – Being in certain professional organizations could earn you a nice discount on your next renewal.
- Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from Seattle and do not take a car to college may be able to be covered for less.
- Save over 55 – If you’re over the age of 55, you may be able to get better car insurance rates.
- New Car Discount – Adding a new car to your policy can be considerably cheaper because newer vehicles keep occupants safer.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
- Discount for Home Ownership – Simply owning a home can earn you a little savings because it means you have a higher level of financial diligence.
- Discount for Life Insurance – Some insurance carriers give a break if you buy life insurance from them.
- Bundled Policy Discount – If you can bundle your auto and homeowners insurance with one company you may earn 10% to 20% off each policy.
- Paper-free Discount – A few larger online companies may give you up to $50 for buying your policy on your computer.
Don’t be shocked that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Insurance companies that may include some of the above discounts are:
If you need lower rates, check with all companies you are considering which discounts they offer. Some discounts listed above may not apply in Seattle. To view insurers who offer discounts in Seattle, follow this link.
Independent versus exclusive insurance agents
Many people still like to go talk to an agent and that is OK! Agents will help you protect your assets and help you file claims. One of the great benefits of price shopping on the web is you may find cheap car insurance quotes and still choose a local agent. Buying insurance from local agencies is important especially in Seattle.
To make it easy to find an agent, after completing this short form, your coverage information is sent to insurance agents in Seattle who want to provide quotes for your car insurance coverage. There is no reason to contact any agents since rate quotes are delivered to you directly. If you wish to get a comparison quote from a specific insurance company, you can always go to their quote page and complete a quote there.
When searching for a reliable insurance agency, you need to know there are two different types of agencies and how they can write your policy. Car insurance agencies can be described as either independent (non-exclusive) or exclusive. Both insure your vehicles properly, but it’s good to learn the difference in the companies they write for because it can factor into buying decisions.
Independent Car Insurance Agencies
These type of agents are not restricted to one company so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. If you want to switch companies, they can switch companies in-house and you stay with the same agent.
When comparing car insurance rates, you will want to compare quotes from a few independent agents to have the most options to choose from.
Shown below is a small list of independent insurance agents in Seattle that can give you free price quotes.
Exclusive insurance agents can usually just insure with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to shop your coverage around so they have no alternatives for high prices. These agents receive extensive training in insurance sales which helps overcome the inability to quote other rates.
Listed below are exclusive insurance agents in Seattle that can give you comparison quotes.
Selecting a insurance agent shouldn’t rely on just a cheap price quote. Ask your prospective agent these questions:
- Do the companies they represent have a solid financial rating?
- Do the coverages you’re quoting properly cover your vehicle?
- Is the agent and/or agency licensed to do business in Washington?
- Do they get extra compensation for selling add-on coverages?
- Does their agency support local causes in Seattle?
- Are there any discounts for paying up front?
- Can you use your own choice of collision repair facility?
- Are all drivers listed on the coverage quote?
If you feel you receive positive responses to any questions you have as well as low cost Chevrolet Uplander insurance quotes, you’ve probably found an insurance agent that meets your needs to properly insure your vehicles.
Can you really save that much by switching?
Washington consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the companies seem to make the promise that you can save just by switching to them.
How can each company cost less than your current company? This is the way they can do it.
Many companies provide the lowest rates for the type of customer that is profitable for them. For instance, a profitable insured may be a female over age 40, owns a home, and drives less than 10,000 miles a year. Any new insured that matches those criteria will qualify for the lowest prices in Seattle and is almost guaranteed to save some money.
Insureds who may not quite match these criteria will be quoted higher rates and the prospect going elsewhere. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can truthfully state the savings.
Because every company is different, you really need to get a wide range of price quotes. Because you cannot predict which auto insurance company will provide the lowest Chevy Uplander insurance in Seattle.
Coverages available on your policy
Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.
Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, pain medications, chiropractic care, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Comprehensive protection – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like vandalism, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability insurance – Liability coverage can cover damage that occurs to other’s property or people. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/10 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $10,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like pain and suffering, court costs and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. Washington requires drivers to carry at least 25/50/10 but drivers should carry higher limits.
Collision coverages – Collision coverage covers damage to your Uplander from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible on your Uplander in order to get cheaper collision rates.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Uplander.
Due to the fact that many Washington drivers only purchase the least amount of liability that is required (25/50/10 in Washington), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.
Cheap auto insurance rates are available
In this article, we covered some good ideas how you can lower your Chevy Uplander insurance prices in Seattle. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive Seattle car insurance quotes. Consumers may even find the biggest savings come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.
As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.
Budget-conscious Chevy Uplander insurance can be found from both online companies as well as from independent agents in Seattle, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not offer internet price quotes and most of the time these regional carriers work with independent insurance agents.
Other learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for Teenagers in Seattle? (FAQ)
- Who Has the Cheapest Seattle Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has Cheap Seattle Auto Insurance for Used Cars? (FAQ)
- Who Has the Cheapest Auto Insurance for Infrequent Drivers in Seattle? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)