Save Money on Mercury Montego Insurance in Seattle

Discount Mercury Montego insuranceWish you could get out of overpriced Mercury Montego insurance in Seattle? Don’t feel bad because there are many Seattle drivers thinking the same thing.

Unbelievable but true according to a study over 70% of drivers have purchased from the same company for more than four years, and about 40% of consumers have never compared insurance rates at all. Washington consumers can save hundreds of dollars each year by just shopping around, but most undervalue the rate savings if they switched. Because you have many choices for buying lower-cost insurance for a Mercury Montego in Seattle, it is very difficult to choose the lowest cost company.

Auto insurance quotes and discounts

Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but some need to be asked for prior to getting the savings. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

Don’t be surprised that some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

The best auto insurance companies and their possible discounts are included below.

Before purchasing a policy, check with every prospective company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in Seattle. To choose auto insurance companies with discount rates in Seattle, click this link.

The companies in the list below are our best choices to provide free quotes in Washington. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.

Five factors that determine insurance rates

Many factors are considered when quoting car insurance. Most are fairly basic like an MVR report, but some are not quite as obvious such as whether you are married or your commute time.

Local Seattle auto insurance agents

Many people just want to get professional advice from a licensed agent. Experienced insurance agents can point out coverage gaps and will help you if you have claims. The best thing about comparing rates online is you can get lower prices and also buy local.

Find insurance agent in SeattleUpon completion of this form (opens in new window), your information is transmitted to agents in your area who can give free rate quotes for your insurance coverage. You won’t need to contact any agents since rate quotes are delivered to the email address you provide. In the event you want to compare rates from a specific auto insurance provider, you would need to jump over to their website and fill out their quote form.

Picking an insurance company should include more criteria than just the premium amount. The questions below may impact your decision as well.

Types of auto insurance agents

When finding a local Seattle insurance agent, there are two different agency structures and how they are distinctly different. Insurance agencies in Seattle are either independent or exclusive depending on the company they work for. Both can insure your vehicles properly, but it is important to understand the difference in how they write coverage because it can influence the type of agent you choose.

Exclusive Auto Insurance Agencies

Agents of this type generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. They are well schooled on sales techniques which aids in selling service over price.

Below are exclusive insurance agencies in Seattle that are able to give comparison quotes.

Lucho Singh – State Farm Insurance Agent
1420 Harvard AveSeattle, WA 98122(206) 329-4450View Map

3206 16th Ave WSeattle, WA 98119(206) 285-3003View Map

9750 Greenwood Ave N #104Seattle, WA 98103(206) 784-5151View Map

View more Seattle agents

Independent Auto Insurance Agents

Agents in the independent channel can quote rates with many companies and that is an advantage because they can write policies with a variety of different insurance companies and find you the best rates. If you want to switch companies, your policy is moved internally and you won’t have to switch agencies. When comparing rate quotes, it’s a good idea to get quotes from several independent agencies to get the best comparison.

Below are independent insurance agencies in Seattle who can help you get comparison quotes.

5191 S Spencer StSeattle, WA 98118(206) 965-8140View Map

412 Queen Anne Ave NSeattle, WA 98109(206) 284-0470View Map

431 15th Ave ESeattle, WA 98112(206) 329-7447View Map

View more Seattle agents

If you get good answers to these questions and an acceptable price quote, most likely you have located an insurance agency that is professional and can properly insure your vehicles.

Three main reasons to buy auto insurance

Despite the high insurance cost for a Mercury Montego in Seattle, maintaining insurance serves an important purpose.

The benefits of carrying enough insurance more than cancel out the cost, especially when you need to use it. The average driver in America is overpaying over $810 a year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.

Frequent quotes can save

Low-cost Mercury Montego insurance in Seattle is definitely available online as well as from independent agents in Seattle, so you need to quote Seattle car insurance with both to have the best rate selection. A few companies do not provide the ability to get a quote online and many times these smaller providers work with independent insurance agents.

We just showed you a lot of information how to get a better price on Mercury Montego insurance in Seattle. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the best premium rates are with an unexpected company. They may have significantly lower prices on certain market segments as compared to the big name companies such as GEICO and State Farm.

When shopping online for insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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