Has it been over a year since you last compared quotes for more competitive Subaru BRZ insurance in Seattle? Trying to find better insurance prices for a new or used Subaru BRZ in Washington can normally be a lot of work, but you can use these tips to find lower rates.
There is a better way to shop for insurance and you need to know the proper way to get price quotes for a Subaru and locate the best price possible from Seattle insurance agents and online providers.
The companies in the list below have been selected to offer comparison quotes in Washington. If multiple companies are listed, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.
Score discounts on Seattle insurance
Insurance is easily one of your largest bills, but you may find discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of purchase, but some discounts are required to be asked about before you get the savings.
- Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
- Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your Seattle car insurance quote.
- Own a Home and Save – Being a homeowner may earn you a small savings because it requires a higher level of personal finance.
- Discount for Good Grades – This discount may save you up to 25%. This discount can apply up to age 25.
- Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as Libery Mutual, GEICO and Allstate will let one accident slide before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Driver’s Ed – Have your child successfully take a driver’s education course if it’s offered in school.
- Low Mileage Discounts – Driving fewer miles can qualify you for slightly better premium rates than normal.
- Distant College Student Discount – College-age children who are attending college and don’t have a car could qualify for this discount.
- Online Discount – A handful of larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower insurance rates if you buy a life insurance policy as well.
It’s important to note that most credits do not apply to the whole policy. Most only cut individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts should help reduce your insurance premiums.
Car insurance companies that may offer these discounts are:
Double check with all companies you are considering the best way to save money. Discounts may not apply to policies in your state. If you would like to choose from a list of insurance companies that offer multiple discounts in Seattle, click here.
Local neighborhood Seattle car insurance agents
Some people just prefer to sit down and talk to an agent and that is OK! Good insurance agents can point out coverage gaps and will help you if you have claims. An additional benefit of comparing insurance online is the fact that you can find better rates but also keep your business local. And providing support for local agents is important especially in Seattle.
By using this form (opens in new window), your information is transmitted to companies in Seattle who will gladly provide quotes for your insurance coverage. You won’t need to search for any insurance agencies due to the fact that quote results will go immediately to you. If you have a need to get a price quote from a specific company, just search and find their rate quote page and submit a quote form there.
When looking for an insurance agent, it helps to know the two types of agencies to choose from. Agents in Seattle are either independent agents or exclusive agents. Either type can write insurance policies, but we need to point out the difference in the companies they write for since it can impact your agent selection.
Independent Insurance Agencies or Brokers
Agents that elect to be independent do not write with just one company and that gives them the ability to insure through many different insurance companies and get you the best rates possible. If premiums increase, they simply move the coverage in-house and you stay with the same agent. If you are trying to find cheaper rates, it’s a good idea to include rate quotes from at least one independent agent in order to compare the most rates. Most have the option of insuring with less well-known companies that may provide cheaper insurance rates.
Below is a partial list of independent 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
- Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447 – View Map
- Johnson Insurance Agency
9200 Holman Rd NW – Seattle, WA 98117 – (206) 789-5940 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company like State Farm or Allstate. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are highly trained on sales techniques which helps them sell on service rather than price. A lot of people buy from the same agent for years mostly because of the brand legacy instead of buying on price only.
Listed below is a short list of exclusive agents in Seattle that are able to give price quotes.
- Heather Proctor – State Farm Insurance Agent
2600 SW Barton St, Ste E22 – Seattle, WA 98126 – (206) 935-3922 – View Map
- Allstate Insurance: Barry V. Hasson
7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191 – View Map
- Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747 – View Map
Choosing the best car insurance agent requires you to look at more than just a cheap price quote. These are some valid questions you should ask.
- How is replacement cost determined on your vehicle?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Which family members are covered?
- Are they properly licensed to sell insurance in Washington?
- Is there a local claims center in Seattle?
- Can glass claims be handled at your home?
- Which companies can they place coverage with?
- Will your rates increase after a single accident?
Insurance agents can help
Always keep in mind that when comparing your policy, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed.
For example, these questions may help you determine whether you will benefit from professional help.
- Should I rate my Subaru BRZ as pleasure use or commute?
- Does my policy pay for OEM or aftermarket parts?
- Should I buy only the required Washington minimum liability coverage?
- What is no-fault insurance?
- Do I need an umbrella policy?
- What exactly is covered by my policy?
- What if I total my Subaru BRZ and owe more than it’s worth?
- How can I find cheaper teen driver insurance?
- Is my camper covered by my car insurance policy?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Auto insurance coverage breakdown
Learning about specific coverages of auto insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average auto insurance policy.
Liability auto insurance – Liability coverage will cover injuries or damage you cause to other’s property or people. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/10 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for things like emergency aid, structural damage, bail bonds and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford. Washington requires drivers to carry at least 25/50/10 but you should consider buying better liability coverage.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like theft, damage from flooding and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like funeral costs, X-ray expenses, prosthetic devices, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Subaru BRZ.
Because many people only carry the minimum required liability limits (Washington limits are 25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.
Collision coverages – This coverage covers damage to your BRZ resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, backing into a parked car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible on your BRZ in order to get cheaper collision rates.
Find affordable rates by being thorough
When getting Seattle car insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the best cost.
Cost effective Subaru BRZ insurance can be bought both online and from local insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not provide internet price quotes and most of the time these regional insurance providers prefer to sell through local independent agencies.
For more information, feel free to browse the resources below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Rates for Handicapped Drivers in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Seattle? (FAQ)
- Who Has Cheap Auto Insurance Rates for 16 Year Olds in Seattle? (FAQ)
- What Auto Insurance is Cheapest for Retired Military in Seattle? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)