If you’re searching for cheaper insurance online, are you intimidated by the sheer number of auto insurance sources available to you? You’re not alone. Washington drivers have such a large number of options that it can quickly become a real challenge to find better premium rates for Chrysler Aspen insurance in Seattle. Everyone knows Seattle is a wonderful place to live, but expensive auto insurance premiums can make it difficult for lots of drivers to pay for enough auto insurance coverage.
A recent auto insurance study discovered that most Washington auto insurance customers have remained with the same auto insurance company for four years or more, and just short of a majority have never even compared quotes to find affordable rates. Drivers in the U.S. could save roughly 47% each year, but they won’t spend time to compare rates and save money.
If you have a current car insurance policy, you stand a good chance to be able to save money using these techniques. Quoting and buying the most affordable coverage in Seattle is quite easy. Nevertheless, Washington car owners must understand how insurance companies charge you for coverage because it can help you find the best coverage.
Auto insurance providers offering competitive rate quotes in Washington
The companies shown below have been selected to offer quotes in Seattle, WA. If multiple providers are shown, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Save money with discounts
Insurance can be prohibitively expensive, but you might already qualify for some discounts that can drop the cost substantially. Most are applied when you get a quote, but occasionally some discounts must be asked about before they will apply. If you do not double check each discount you deserve, you could be paying more than you need to.
- Home Ownership Discount – Simply owning a home may trigger a policy discount on insurance due to the fact that maintaining a home shows financial diligence.
- Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Seattle car insurance quote as compared to drivers with claims.
- Military Rewards – Having an actively deployed family member can result in better rates.
- Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Seattle car insurance quote.
- Accident-Free Discounts – Insureds with no claims or accidents pay much less when compared to frequent claim filers.
- ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
- Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
- Driver Safety – Taking a driver safety course may get you a small discount and also improve your driving technique.
Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.
To locate companies that can offer you the previously mentioned discounts in Washington, follow this link.
Buy Lower-cost Car Insurance with These Tips
Consumers need to have an understanding of the rating factors that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates.
Urban residents pay more – Residing in less populated areas may provide you with better prices if you are looking for the lowest rates. Drivers in populated areas have to deal with more auto accidents and more severe claims. Fewer drivers translates into fewer accident claims and lower theft and vandalism rates.
Gaps in coverage mean higher premiums – Going without insurance will be a guaranteed way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
Cars with good safety ratings cost less to insure – Vehicles with good safety scores can get you lower premiums. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less which can result in lower premiums. If your Chrysler Aspen has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
High deductibles cost less – Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your Chrysler. Some coverage claims could be collision with another vehicle, vandalism, and windstorm damage. Physical damage deductibles are how much the insured will be required to pay if you file a covered claim. The more of the claim the insured is willing to pay, the less money you will pay for car insurance.
Performance influences insurance rates – The make and model of the car you need insurance for makes a big difference in your auto insurance rates. The lowest premiums are generally reserved for low performance passenger vehicles, but other factors influence the final cost greatly. Because the Chrysler Aspen is considered a standard SUV, insuring your vehicle will cost slightly more than the average rate where you live in Seattle.
Car insurance agents can help
A lot of people would prefer to buy from a licensed agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is that drivers can save money and get cheap rate quotes and still buy from a local agent. Supporting neighborhood insurance agencies is definitely important in Seattle.
To find an agent, once you fill out this short form, the coverage information is transmitted to local insurance agents who will give you quotes to get your business. You won’t even need to search for an agent because quoted prices will be sent instantly to you. You can get cheaper auto insurance rates and a licensed agent to work with. If you have a need to get a comparison quote for a specific company, you just need to jump over to their website and fill out the quote form the provide.
Exclusive and independent Seattle car insurance agents
If you are searching for a local Seattle insurance agency, you should know the different types of agents that differ in how they can insure your vehicles. Auto insurance policy providers are either independent or exclusive.
Independent agents often have many company appointments so as a result can place your coverage with an assortment of companies and possibly get better coverage at lower prices. If you want to switch companies, the business is moved internally and that require little work on your part. If you need cheaper auto insurance rates, we recommend you get insurance quotes from several independent insurance agents to have the most options to choose from. Most have the option of insuring with mutual insurance companies that may provide cheaper auto insurance rates.
Below is a small list of independent insurance agencies in Seattle who may provide free auto insurance quotes.
- Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450 – View Map
- Sound Insurance Agency, Inc.
9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
- Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Agents of this type can only provide one company’s prices and some examples include Farmers Insurance, Allstate, or State Farm. These agents are not able to shop your coverage around so always compare other rates. Exclusive agents are highly trained on what they offer which helps overcome the inability to quote other rates. Many people buy from exclusive agents primarily because of the prominence of the brand rather than having low rates.
Shown below is a list of exclusive agencies in Seattle willing to provide comparison quotes.
- State Farm: Karrie Dubose
1530 Westlake Ave N Suite 100 – Seattle, WA 98109 – (206) 971-5400 – View Map
- Jeff Kalvelage – State Farm Insurance Agent
315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 – View Map
- Brent Amacher – State Farm Insurance Agent
2319 California Ave SW Ste A – Seattle, WA 98116 – (206) 935-0499 – View Map
Finding the right auto insurance agent requires more thought than just a cheap price quote. These are some questions you should get answers to.
- Do they reduce claim amounts on high mileage vehicles?
- Is the agency active in community causes in Seattle?
- How often do they review policy coverages?
- What will you get paid if your car is a total loss? How is that amount determined?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they see any coverage gaps in your plan?
- How much training do they have in personal risk management?
- Is the agent CPCU or CIC certified?
Is there truth in advertising?
Companies like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the companies try to convey promises that drivers can save some big amount just by moving your coverage to them. It sounds good, but how can they all claim to save you money?
All companies quote the lowest rates for the type of customer they prefer to insure. An example of this type of driver could be between the ages of 30 and 45, is a homeowner, and drives a safe vehicle. A customer who fits those characteristics will probably get the lowest rates as well as save if they switch.
Drivers who fall short of this stringent profile will probably have to pay higher premium rates with the end result being the customer not purchasing. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can confidently advertise the way they do.
This really drives home the point why drivers must compare rate quotes every year. Because you cannot predict with any certainty which company will give you lower premium rates than your current company.
Lower-priced car insurance in Seattle can be found from both online companies as well as from independent agents in Seattle, and you should compare rates from both to have the best rate selection. Some insurance providers may not provide price quotes online and most of the time these regional carriers sell through independent insurance agents.
People change insurance companies for any number of reasons including high prices, high rates after DUI convictions, lack of trust in their agent and being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company can be less work than you think.
You just read a lot of ways to compare Chrysler Aspen insurance auto insurance rates in Seattle. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. Drivers may even discover the best price on car insurance is with a small mutual company.
- Your Car has been Stolen: Now What? (Allstate)
- Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Seattle? (FAQ)
- How Much is Seattle Car Insurance for Hybrid Vehicles? (FAQ)
- How Much is Car Insurance for First-time Drivers in Seattle? (FAQ)
- How Much are Seattle Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has the Cheapest Seattle Car Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- How Much is Seattle Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Auto Insurance for Infrequent Drivers in Seattle? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)