Comparing and finding low cost coverage rates for Chevy SS insurance in Seattle might be challenging for drivers new to online comparison shopping. People have so many choices that it can quickly become a real hassle to find more affordable coverage rates on Chevy SS insurance.
A recent car insurance study discovered that over 70% of consumers have bought car insurance from the same company for at least four years, and almost half have never compared rates with other companies. Most drivers in Seattle could save an average of 40% each year just by getting comparison quotes, but they underestimate the benefits if they switched to a cheaper policy.
You should take the time to compare prices on a regular basis because car insurance prices change regularly. Despite the fact that you may have had the best deal on Chevy SS insurance in Seattle a year ago you will most likely find a better premium rate today. Don’t believe everything you read about SS insurance out there, but I’m going to show you some great ideas on how to slash your car insurance rates in Seattle.
When shopping for inexpensive Seattle car insurance quotes, there are a couple of ways to compare quotes from lots of Washington insurance companies. The recommended way to compare Chevy SS insurance prices consists of obtaining rate quotes online.
Keep in mind that comparing a large number of companies increases your odds of finding more affordable insurance. Some smaller insurers do not give online rate quotes, so it’s necessary to compare quotes from them as well.
The companies shown below can provide price comparisons in Seattle, WA. If more than one company is shown, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Lower rate quotes by taking advantage of these nine discounts
Some insurance providers do not advertise their entire list of discounts very clearly, so the next list breaks down a few of the more well known in addition to some of the lesser obvious discounts that may be available.
- Early Signing – Select car insurance companies give a discount for renewing your policy early. This can save 10% or more.
- Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
- E-sign – A handful of companies will discount your bill up to fifty bucks shop Seattle car insurance on your computer.
- Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
- ABS Braking Discount – Cars equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
- Data Collection Discounts – Seattle drivers who agree to allow their car insurance company to analyze driving habits remotely like Allstate’s Drivewise may get a rate reduction if they show good driving skills.
- Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
- Accident Waiver – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.
As a footnote on discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck.
A partial list of companies who might offer these benefits possibly include:
Before buying, ask every insurance company what discounts are available to you. Discounts may not apply in your state. If you would like to choose from a list of providers who offer discounts in Seattle, click here to view.
Insurance is not optional in Washington
Even though it can be expensive, maintaining insurance is required by state law in Washington and it also provides benefits you may not be aware of.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Chevy, it’s most likely the lender will stipulate that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Chevy at an extremely high rate and require you to reimburse them for the expensive policy.
- Insurance protects both your vehicle and your assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance definitely exceed the price paid, particularly when you have a large claim. But the average American driver overpays more than $800 each year so we recommend shopping around each time the policy renews to help ensure money is not being wasted.
Local insurance agents
Many drivers still prefer to buy from a licensed agent and that is a personal choice. An additional benefit of comparing car insurance online is the fact that drivers can get cheap car insurance rates but still work with a licensed agent. And providing support for local agents is definitely important in Seattle.
By using this short form, your information is sent to insurance agents in Seattle that can provide free Seattle car insurance quotes to get your business. You never need to search for an agent since rate quotes are delivered to you directly. It’s the lowest rates and a licensed agent to work with. In the event you want to quote rates from a specific company, just jump over to their website to submit a rate quote request.
Different types of car insurance agents in Seattle
If you’re trying to find a good Seattle insurance agent, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Agencies in Seattle can be described as either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
These type of agents are not locked into one company so they have the ability to put coverage amongst many companies and find you the best rates. If prices rise, they simply move the coverage in-house and you don’t have to switch agencies. When comparison shopping, we recommend you include multiple independent agents to ensure the widest selection of prices. Most can insure with additional companies that you may not be familiar with which can be an advantage.
The following is a list of independent insurance agents in Seattle that can possibly get you price quote information.
- Grange Insurance Association
200 Cedar St – Seattle, WA 98121 – (800) 247-2643 – View Map - Roy Potter Insurance
412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map - Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Exclusive Car Insurance Agencies
Exclusive agents generally can only insure with one company like Farmers Insurance or State Farm. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. They receive extensive training on the products they sell which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents primarily because of the prominence of the brand rather than having low rates.
Shown below are Seattle exclusive insurance agencies that are able to give price quote information.
- Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map - Luan Vu – State Farm Insurance Agent
6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 – View Map - Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910 – View Map
Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. Before buying a policy in Seattle, get answers to these questions.
- Can you use your own choice of collision repair facility?
- Which companies do they recommend if they are an independent agency?
- If you are a high risk driver, do they have special markets for your coverage?
- Which company do they place the most coverage with?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they assist clients in filing claims?
If you receive acceptable answers to all your questions as well as a price you’re happy with, you may have just found an insurance agency that can be relied on to properly insure your vehicles.
Insurance policy coverages for a Chevy SS
Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Auto liability – Liability coverage protects you from damage or injury you incur to people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/10 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability coverage protects against things such as bail bonds, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Washington state law requires minimum liability limits of 25/50/10 but you should consider buying more liability than the minimum.
Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses like X-ray expenses, chiropractic care, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverages – This coverage pays for damage to your SS resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like colliding with a tree, rolling your car, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your SS to save money on collision insurance.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy SS.
Since many Washington drivers only purchase the least amount of liability that is required (25/50/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.