How many times have you told yourself to find the cheapest Mitsubishi Mirage G4 insurance in Seattle? Are you regretting the purchase of high-priced Mitsubishi Mirage G4 insurance in Seattle? Don’t sweat it because there are many Seattle drivers thinking the same thing.
It’s shocking but the vast majority of consumers in Washington kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rates from other carriers. Most drivers in America could pocket almost $859 a year by just comparing rate quotes, but they just feel it’s too hard to shop around. Big companies like State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with ad campaigns and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
You should take the time to compare premium rates before your policy renews because insurance prices are variable and change quite frequently. Even if you think you had the best price on Mitsubishi Mirage G4 insurance in Seattle on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because it’s time to teach you the best way to find better rates and still maintain coverage.
How do Insurance Providers Determine Mitsubishi Mirage G4 Insurance Prices?
Smart consumers have a good feel for the factors that help determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in better insurance rates. Multiple criteria are part of the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, although some other factors are not as apparent like your vehicle usage or how financially stable you are.
- Higher premiums for tough jobs – Do you work in a high-stress field? Occupations such as doctors, business owners and emergency personnel usually pay higher premium rates because of intense work situations and lots of time spent at work. On the flip side, careers such as professors, historians and performers pay lower than average rates.
- Pay more by driving carelessly – Having a single moving violation may cause rates to rise by twenty percent. Drivers who don’t get tickets have lower premiums compared to bad drivers. Drivers who have gotten severe tickets like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to legally drive.
- Getting married is a good thing – Having a wife or husband may cut your premiums on your insurance bill. It may mean you are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
- Prevent coverage lapses – Letting your insurance expire will be a guaranteed way to increase your insurance rates. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time.
All major insurance companies such as State Farm and Allstate make it easy to get coverage prices on the web. Getting Mitsubishi Mirage G4 insurance prices online can be done by anyone as all you need to do is type in your personal and coverage information into a form. After you complete the form, the system pulls your credit score and driving record and gives you a price quote based on many factors. Getting online quotes for Mitsubishi Mirage G4 insurance in Seattle simplifies rate comparisons, and it’s very important to get many rate quotes in order to find the cheapest price on insurance.
In order to find out how much you’re overpaying now, check out the insurance providers below. To compare your current rates, we recommend you copy the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will have a rate comparison based on the exact same insurance coverage.
The providers in the list below provide price quotes in Washington. If multiple providers are shown, it’s a good idea that you compare several of them to get the most competitive price.
Why car insurance is not optional
Despite the high cost of buying insurance for a Mitsubishi Mirage G4 in Seattle, paying for car insurance is required in Washington but also provides important benefits.
- Almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability if you drive a vehicle. 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 your Mitsubishi Mirage G4 has a loan, most banks will require that you have full coverage to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Mitsubishi at a significantly higher premium and require you to reimburse them much more than you were paying before.
- Car insurance preserves not only your Mitsubishi Mirage G4 but also your financial assets. It will also pay for all forms of medical expenses incurred in an accident. Liability coverage also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying enough insurance outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays as much as $850 per year so shop around at every policy renewal to be sure current rates are still competitive.
Discount Seattle car insurance quotes
Auto insurance companies don’t always publicize every discount very clearly, so the list below details a few of the more common and also the more inconspicuous discounts that may be available.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Save over 55 – Mature drivers can get reduced rates.
- Buy New and Save – Insuring a vehicle that is new may earn a small discount because new vehicles keep occupants safer.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
- Multi-line Discount – Some companies give a lower rate if you buy auto and life insurance together.
- Discount for Multiple Policies – If you have multiple policies and insure them with the same company you may earn up to 20% and get you the cheapest Mitsubishi Mirage G4 insurance in Seattle.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Seattle auto insurance quote.
- College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Seattle and don’t have a car may be able to be covered for less.
- Good Grades Discount – This discount can save 20 to 25%. This discount can apply well after school through age 25.
Policy discounts save money, but most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.
Insurance companies that may offer quotes with these benefits may include but are not limited to:
When comparing rates, check with every company what discounts are available to you. A few discounts may not be available everywhere. To see a list of car insurance companies who offer car insurance discounts in Washington, click here.
When to get advice from an insurance agency
A small number of people prefer to get professional advice from a licensed agent and that is a smart decision Good insurance agents can help you build your policy and help submit paperwork. One of the great benefits of comparing insurance online is you can get lower rates and still have a local agent.
To make it easy to find an agent, after completing this short form, your insurance data is instantly submitted to insurance agents in Seattle that provide free Seattle auto insurance quotes for your business. It makes it easy because there is no need to visit any agencies as quotes are delivered to the email address you provide. If for some reason you want to compare rates from a specific company, just navigate to their website and complete a quote there.
Deciding on an insurer should depend on more than just the bottom line cost. The answers to these questions are important, too.
- Do you qualify for any additional discounts?
- Are claims handled at the agent’s location?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is working in the agency their full-time job?
- Where would glass claims be handled in Seattle?
- How long has the business existed?
If you are wanting to purchase insurance from local Seattle agents, it can be helpful to understand the different types of agencies and how they are distinctly different. Seattle agents can be classified as either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but we need to point out the difference in the companies they write for because it may have an impact on your selection of an agent.
Exclusive Agents
Agents of this type normally can only provide a single company’s rates such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point.
Listed below is a list of exclusive insurance agencies in Seattle who may provide you with comparison quotes.
Raymond Insurance-Pemco and Progressive
6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map
State Farm: Karrie Dubose
1530 Westlake Ave N Suite 100 – Seattle, WA 98109 – (206) 971-5400 – View Map
George Fu – State Farm Insurance Agent
9026 Roosevelt Way NE – Seattle, WA 98115 – (206) 524-0330 – View Map
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company and that enables them to quote your coverage through lots of different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier which requires no work on your part. If you are trying to find cheaper rates, we recommend you compare prices from several independent agencies to get the most accurate price comparison.
Below are independent insurance agencies in Seattle who can help you get price quotes.
Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map
Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Seattle Insurance
2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map
What is the best auto insurance coverage?
When it comes to your policy, there really isn’t a one size fits all plan. You are unique so this has to be addressed.
Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.
- Should I get collision insurance on every vehicle?
- Does coverage extend to a rental car in a foreign country?
- Are split liability limits better than a combined single limit?
- What policy terms are available?
- Do I need to file an SR-22 for a DUI in Washington?
- Does low annual mileage earn a discount?
- Can good grades get a discount?
- Do I have coverage when pulling a U-Haul trailer?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.
Find cheaper rates by comparing often
Cheap Mitsubishi Mirage G4 insurance in Seattle is definitely available from both online companies and with local Seattle insurance agents, so you should compare both to have the best chance of lowering rates. A few companies may not offer price quotes online and most of the time these small, regional companies prefer to sell through independent insurance agents.
We just showed you some good ideas how you can get a better price on Mitsubishi Mirage G4 insurance in Seattle. It’s most important to understand that the more you quote Seattle auto insurance, the better likelihood of getting low cost Seattle auto insurance quotes. Drivers may even discover the lowest car insurance rates come from a small mutual company. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Allstate and Progressive.
For more information, feel free to browse these articles:
- Your Car has been Stolen: Now What? (Allstate)
- Who Has Cheap Seattle Car Insurance for Immigrants? (FAQ)
- What Insurance is Cheapest for Police Officers in Seattle? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Where can I buy Insurance? (Insurance Information Institute)