Do you get exhausted from scraping the payment together to pay your car insurance bill each month? You are no different than many other Washington drivers.
Unimaginable but true, a large majority of consumers have stayed with the same insurance company for more than four years, and 38% of drivers have never compared rates to find lower-cost insurance. Drivers in Seattle could save about $427 a year by just comparing quotes, but they mistakenly think it’s difficult to find lower-cost rates by getting comparison quotes. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rates possible on Scion iQ insurance in Seattle.
If you have a current auto insurance policy or are just looking to switch companies, use these money-saving tips to lower your rates while maintaining coverages. Buying the cheapest auto insurance in Seattle is not rocket science. Shoppers just have to use the most efficient way to compare prices online.
Auto insurance providers offering affordable rates in Washington
The following companies are our best choices to provide comparison quotes in Seattle, WA. If several companies are displayed, we recommend you compare several of them to get a more complete price comparison.
Cheaper Scion iQ insurance quotes in Seattle
The price of auto insurance can be rather high, but companies offer discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few need to be specially asked for in order for you to get them.
- Military Deployment Discount – Being on active deployment in the military could qualify you for better insurance rates.
- Telematics Discount – Insureds who allow driving data collection to analyze driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
- Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote Seattle car insurance depending on your insurance provider.
- 55 and Retired – Drivers over the age of 55 can possibly qualify for reduced rates.
- Theft Deterrent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your Seattle car insurance quote.
Keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.
The best insurance companies and some of the discounts are shown below.
- GEICO has discounts for membership and employees, multi-policy, air bags, seat belt use, and good student.
- SAFECO offers premium reductions for multi-car, anti-lock brakes, bundle discounts, teen safety rewards, and accident prevention training.
- State Farm offers discounts for Steer Clear safe driver discount, accident-free, passive restraint, safe vehicle, and defensive driving training.
- MetLife may offer discounts for claim-free, defensive driver, good driver, multi-policy, good student, accident-free
- 21st Century policyholders can earn discounts including 55 and older, theft prevention, defensive driver, teen driver, early bird, and air bags.
- Progressive offers discounts including continuous coverage, online quote discount, homeowner, multi-vehicle, good student, and online signing.
Before purchasing a policy, check with every prospective company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders everywhere. If you would like to see a list of insurance companies that offer the discounts shown above in Seattle, follow this link.
Learn How to Lower Your Insurance Premiums
The best way to find cheaper insurance is to take a look at some of the things that are used to determine insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower premium levels.
Your car’s features help determine insurance rates – Selecting a car model with advanced anti-theft systems can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
Better drivers pay the best costs – Just one speeding ticket can increase rates substantially. Drivers with clean records get better prices as compared to careless drivers. Drivers who have gotten careless tickets such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Age of drivers – Older people tend to be more responsible, are lower risk to insure, and are generally more financially stable.Teenage drivers have been known to get distracted easily when at the wheel of a vehicle therefore insurance rates are much higher.
Lower comp and collision deductibles cost more – Physical damage protection, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of covered claims are running into the backend of another car, hail damage, and rolling your vehicle. The deductibles you choose are the amount of money you are willing to pay before your insurance pays a claim. The larger the amount you’re willing to pay, the less your company will charge you for insurance.
Affects performance affects costs – The make and model of the vehicle you need insurance for makes a substantial difference in the rate you pay. Due to the fact that the Scion iQ is a micro-subcompact, rates will be slightly less compared to average rates in Seattle. Low performance passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
Men drivers tend to cost more – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause auto accidents in similar percentages, but the men cause more damage. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so they pay the highest premiums.
Cheap rates for being claim-free – Companies in Washington award the best rates to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of larger claims.
How many miles do you drive? – Driving more miles in a year’s time the higher the price you pay to insure it. A lot of companies charge rates partially by how you use the vehicle. Autos that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. An improperly rated iQ is throwing money out the window. Verify your insurance coverage correctly shows the correct usage for each vehicle, because it can save money.
Scion iQ statistical loss data – Companies take into consideration insurance loss statistics for every vehicle when determining insurance costs. Models that historically have higher loss trends will have a higher premium rate. The data below shows the actual insurance loss data for Scion iQ vehicles.
For each policy coverage, the claim probability for all vehicles averaged together is represented as 100. Numbers shown that are under 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate more frequent losses or statistically larger losses.
Insurance Loss Ratings for Scion iQ Vehicles
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Can’t I compare prices from local Seattle car insurance agents?
A small number of people just want to have an agent’s advice and we recommend doing that Good agents will help you protect your assets and help submit paperwork. One of the great benefits of getting online price quotes is you can get cheap rate quotes and still have an agent to talk to.
Upon completion of this simple form, your insurance data is emailed to companies in Seattle that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent to the email address you provide. If you need to get a rate quote from a particular provider, don’t hesitate to go to their quote page and fill out their quote form.
Selecting an provider should include more criteria than just the premium amount. Any agent in Seattle should have no problem answering these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- How many years have they been established?
- Which companies do they recommend if they are an independent agency?
- What kind of financial rating does the company have?
- Who are their largest clients?
When narrowing the list to find a reputable agency, it can be helpful to understand the different types of agents and how they can write your policy. Seattle agents are considered either independent agents or exclusive agents depending on their employer. Either one can write policy coverage, but it is important to understand why they differ because it can influence buying decisions.
Exclusive Insurance Agents
These agents work for only one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. These agents are very knowledgeable on their company’s products and that can be a competitive advantage.
Below is a list of exclusive agencies in Seattle who can help you get rate quotes.
Independent Car Insurance Agencies
Independent agencies are not limited to a single company so they can insure your vehicles with multiple insurance companies and find the cheapest car insurance rates. If your premiums go up, your agent can just switch to a different company and the insured can keep the same agent. When comparison shopping, you need to include rate quotes from at least one independent agent to get the most accurate price comparison.
Listed below is a short list of independent agents in Seattle that are able to give price quote information.
After receiving good responses to any questions you may have as well as low cost Scion iQ insurance quotes, you’ve probably found an auto insurance agent that is a good match to insure your vehicles. Just keep in mind you are entitled to cancel coverage any time you want so never feel that you’re stuck with any particular company indefinitely.
Shop around and save
We just presented a lot of information how to get a better price on Scion iQ insurance in Seattle. It’s most important to understand that the more you quote Seattle car insurance, the higher your chance of finding inexpensive Seattle car insurance quotes. Consumers could even find that the best price on insurance is with a small mutual company. They may have significantly lower rates on certain market segments compared to the large companies like GEICO and State Farm.
When you buy Seattle car insurance online, you should never reduce needed coverages to save money. There have been many situations where an accident victim reduced collision coverage only to regret that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best cost, not the least amount of coverage.
For more information, link through to the resources below:
- Distracted Driving Extends Beyond Texting (State Farm)
- What Car Insurance is Cheapest for a 20 Year Old Male in Seattle? (FAQ)
- What Insurance is Cheapest for Government Employees in Seattle? (FAQ)
- Who Has Affordable Car Insurance Rates for a Company Car in Seattle? (FAQ)
- Who Has Affordable Seattle Auto Insurance for a Ford F-150? (FAQ)
- What Auto Insurance is Cheapest for Retired Military in Seattle? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)