Save Money on Auto Insurance in Renton

Would you like to stop overpaying and find lower-priced auto insurance rates in Renton, WA? Comparing Renton auto insurance quotes online may seem complicated initially if you are one of the many people new to online rate comparisons. Don’t be overwhelmed because online price shopping is actually quite simple.

Amazlingly, a recent study showed that about 70% of customers have bought auto insurance from the same company for more than four years, and nearly the majority have never shopped around. Many consumers in the United States can cut their rates by nearly 46.5% a year just by getting comparison quotes, but they don’t know the amount of money they would save if they switch to a new company.

It’s a good habit to price shop coverage before your policy renews because auto insurance prices change quite often. Just because you found the best quotes on auto insurance at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the only way to buy cheaper auto insurance.

Choosing the best rates in Renton can be much easier if you know how to start. Nearly each driver who quotes insurance should buy a cheaper policy. But Washington car owners do need to know how companies calculate your policy premium and use it to your advantage.

Car insurance quotes comparison

Most larger insurance companies such as State Farm, GEICO and Progressive provide insurance quotes direct online. Obtaining pricing doesn’t take much effort as all you need to do is type in the amount of coverage you want as requested by the quote form. After you complete the form, the system gets your driving record and credit report and returns a price determined by many factors.

Being able to quote online makes it a lot easier to compare rates and it is important to have as many quotes as possible if you want to find lower-cost car insurance pricing.

To quickly compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you duplicate deductibles and limits exactly as they are listed on your policy. This ensures you are getting rate quotes based on identical coverages.

The companies shown below provide price comparisons in Washington. If multiple providers are shown, we recommend you visit several of them in order to find the lowest rates.

Insurance Rate Estimates for Popular Vehicles in Renton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,234 $617 $103
Chevrolet Malibu LTZ $972 $486 $81
Chevrolet Silverado Crew Cab Hybrid 2WD $1,016 $508 $85
Dodge Ram Quad Cab Laramie 2WD $1,376 $688 $115
Ford Escape XLT 4WD $700 $350 $58
Ford F-150 Lariat Crew Cab Harley 4WD $1,138 $569 $95
Ford Focus S 4-Dr Sedan $772 $386 $64
Ford Fusion SE 4-Dr Sedan $748 $374 $62
Honda Accord LX 4-Dr Sedan $660 $330 $55
Honda CR-V LX 2WD $968 $484 $81
Honda Civic EX 2-Dr Coupe $1,142 $571 $95
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,200 $600 $100
Mazda 3 I SV 4-Dr Sedan $1,048 $524 $87
Nissan Altima 3.5 SR 2-Dr Coupe $1,398 $699 $117
Nissan Rogue SL 2WD $842 $421 $70
Toyota Camry XLE $854 $427 $71
Toyota Corolla XRS $1,222 $611 $102
Toyota Prius $870 $435 $73
Toyota Tacoma Double Cab 4WD $1,070 $535 $89
Get Your Own Custom Quote Go

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in vehicle garaging location which can decrease or increase rates noticeably.

Accidents and violations increase rates

The chart below demonstrates how traffic citations and accident claims can influence Chevrolet Malibu insurance rates for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance rates by gender in Renton

The example below illustrates the comparison of car insurance rates for male and female drivers in Renton. The prices are based on no violations or claims, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in on a Honda Civic LX.

Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Why you need vehicle insurance in Washington

Despite the potentially high cost of insurance, buying insurance is mandatory in Washington but it also protects more than you think.

The benefits of carrying adequate insurance definitely exceed the price paid, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $750 every year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.

Buy cheaper auto insurance with these tips

Many different elements are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, although others are more obscure like your vehicle usage or your vehicle rating. Consumers need to have an understanding of some of the things that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that could help you find lower premium levels.

Shown below are some of the factors auto insurance companies consider when setting your rates.

Urban residents pay more – Choosing to live in a small town may provide you with better prices when buying auto insurance. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Drivers who live in large Washington cities have to deal with much more traffic and longer commute times. More time commuting means more chance of being in an accident.

Discounts for married drivers – Having a spouse can actually save you money compared to being single. It is viewed as being more mature and insurance companies reward insureds because being married results in fewer claims.

Five star IIHS safety rating saves money – Vehicles with high crash test scores can get you lower premiums. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.

Liability protection safeguards assets – Your auto insurance policy’s liability coverage will provide protection in the event that a jury decides you are liable for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.

Your job may affect prices – Did you know your job can affect your rates? Jobs like doctors, police officers, and miners tend to have the highest rates due to intense work requirements and long work days. Other occupations such as scientists, students and retirees get better rates.

Expect high rates for teens – Drivers with little experience have a tendency to be inattentive and easily distracted when at the wheel of a vehicle so auto insurance rates are higher. If you’ve ever had to add a young driver to your auto insurance policy can be very expensive. Older people are more cautious drivers, are lower risk to insure, and usually have better credit.

Drive less and save – The higher the mileage driven every year the more it will cost to insure it. A lot of insurance companies apply a rate based on their usage. Vehicles that do not get driven very much receive lower rates than vehicles that have high annual mileage. Verify your auto insurance policy states the correct usage for each vehicle.

Little extras can really add up – There are a ton of extra coverages that can add up if you aren’t diligent. Coverage for things like replacement cost coverage, better glass coverage, and term life insurance may be costing you every month. They may seem like a good idea initially, but if you’ve never needed them in the past remove them from your policy.

Score discounts on Renton insurance

Insurance is not an enjoyable expense, but there could be available discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but some need to be specially asked for before you will receive the discount.Cheaper insurance with discounts

Policy discounts save money, but many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way.

A few of the larger companies and their possible discounts can be found below.

When getting free Renton auto insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Some discounts listed above might not be available to policyholders in your state. To find insurance companies with discount rates in Washington, click this link.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there really isn’t a single plan that fits everyone. Your needs are unique to you.Insurance savings

These are some specific questions can help discover if your situation would benefit from professional advice.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Local Renton insurance agencies

A lot of people just prefer to buy from a licensed agent. The biggest benefit of comparing insurance prices online is that drivers can save money and get the lowest rates but still work with a licensed agent.

Find insurance agent in RentonFor easy comparison, once you complete this short form, the coverage information is submitted to participating agents in Renton who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact an agency due to the fact that quote results will go directly to you. You’ll get the best rates and an insurance agent to talk to. If you have a need to get a price quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.

Choosing an company requires more thought than just the price. These are some questions your agent should answer.

Two different types of auto insurance agents

If you want a good insurance agency, you should know the different agency structures and how they are slightly different. Insurance agencies in Renton can either be independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agents

These type of agents have only one company to place business with such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are well trained on their company’s products which helps them compete with independent agents. Some insured continue to purchase coverage from exclusives primarily because of loyalty to the company and solid financial strength.

The following is a list of exclusive agencies in Renton who can help you get rate quotes.

View more Renton agents

Independent Auto Insurance Agencies

Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and get you the best rates possible. If prices rise, your agent can switch companies and you stay with the same agent.

If you are trying to find cheaper rates, you will definitely want to include price quotes from several independent insurance agents to get the most accurate price comparison. Most can insure with additional companies that you may not be familiar with which may provide better rates.

Below are Renton independent agents who can help you get price quotes.

View more Renton agents

Cheaper car insurance is a realistic goal

As you quote Renton auto insurance, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Lower-priced car insurance in Renton can be bought online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

We just showed you some good ideas how to reduce car insurance premium rates online in Renton. The key concept to understand is the more times you quote, the higher your chance of finding inexpensive Renton auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company.

Additional information can be found below: