How to Save on Seattle Scion tC Insurance

Have you finally had enough of sacrificing to insure your Scion every month? You are in the same boat as most other people in Washington.

Astonishng but true according to a recent study, most consumers kept their coverage with the same car insurance company for at least the last four years, and virtually 40% of consumers have never even shopped around for cheap coverage. Many drivers in Seattle could save up to 40% a year by just comparing quotes, but they just assume it’s a time-consuming process to compare rate quotes.

Many insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to get the best price available on Scion tC insurance in Seattle.

If you currently have insurance, you should be able to reduce the price you pay using these methods. Finding the cheapest insurance coverage in Seattle is easy if you know what you’re doing. Although Washington car owners need to learn how insurance companies price insurance differently and take advantage of how the system works.

When price shopping your coverage, having more price comparisons helps increase your odds of locating more affordable insurance. Not every company does Seattle tC insurance quotes over the internet, so you need to compare price estimates from the smaller companies as well.

The auto insurance companies shown below are ready to provide quotes in Washington. If multiple companies are shown, we suggest you compare several of them in order to find the lowest rates.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can change insurance rates greatly.

Physical damage deductibles: Should you raise them?

One of the most common car insurance questions is what deductibles to buy. The tables below highlight the costs and benefits of buying low and high coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific location which can alter coverage prices noticeably.

Based on the above data, using a $100 deductible would cost the average driver about $25 more each month or $300 each year than quoting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 16 months between claim filings, you would more than likely save some money if you choose the higher deductible. The numbers below show how you can make your own decision.

One important note is that a higher deductible means you will have to pay more when you have a claim. You will want to have some non-essential savings in the event you need to pay the deductible for vehicle repair.

Cautious Seattle drivers save money

The information below demonstrates how speeding tickets and fender-benders can raise Scion tC insurance premiums for different insured age categories. The data assumes a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.

Get cheaper Scion tC insurance in Seattle with discounts

Auto insurance can be pricey, but you may qualify for discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but some discounts are required to be asked about before you will receive the discount.

• Own a Home and Save – Simply owning a home can save a few bucks since home ownership means you have a higher level of financial diligence.
• Discount for Good Grades – This discount can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Military Deployment Discount – Being on active duty in the military could mean lower rates.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.
• Auto/Home Discount – If you insure your home and vehicles with one company you could save at least 10 to 15 percent or more.
• Telematics Data Discounts – Drivers that enable companies to track driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
• Good Drivers – Accident-free drivers may receive a discount up to 45% than drivers with accidents.
• Professional Memberships – Being a member of certain professional organizations is a good way to get lower rates when shopping for auto insurance.
• More Vehicles More Savings – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.

Just know that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A list of auto insurance companies and their possible discounts are included below.

• The Hartford has discounts for vehicle fuel type, air bag, good student, bundle, driver training, and anti-theft.
• American Family offers premium reductions for accident-free, TimeAway discount, Steer into Savings, multi-vehicle, early bird, and air bags.
• Progressive offers discounts for continuous coverage, good student, multi-vehicle, multi-policy, and online signing.
• Travelers discounts include multi-policy, home ownership, new car, good student, payment discounts, hybrid/electric vehicle, and driver training.
• Farmers Insurance policyholders can earn discounts including electronic funds transfer, business and professional, bundle discounts, distant student, alternative fuel, and teen driver.
• USAA may have discounts that include annual mileage, new vehicle, good student, driver training, multi-policy, defensive driver, and vehicle storage.
• Liberty Mutual may offer discounts for preferred payment discount, multi-car, newly married, safety features, teen driver discount, and exclusive group savings.

When quoting, ask each company to give you their best rates. A few discounts may not apply in your state. To view auto insurance companies offering auto insurance discounts in Washington, follow this link.

Three reasons to not skimp on car insurance

Even though it can be expensive, maintaining insurance may be required for several reasons.

First, most states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to drive the car legally. 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.

Second, if you took out a loan on your tC, it’s guaranteed your bank will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Scion at a much higher rate and require you to pay for the much more expensive policy.

Third, car insurance preserves your vehicle and your assets. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the repair costs.

The benefits of buying car insurance are definitely more than the cost, especially when you need to use it. As of last year, the average driver in Washington is overpaying more than $800 each year so it’s very important to do a rate comparison each time the policy renews to ensure rates are competitive.

Insurance quotes from local Seattle insurance agencies

Many drivers would rather get advice from a local agent. The biggest benefit of comparing insurance online is you can get the lowest rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Seattle.

Upon completion of this quick form, your information is instantly submitted to local insurance agents in Seattle who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies due to the fact that quote results will go straight to your inbox. You can find lower rates AND a local agent. In the event you want to compare rates from a specific insurance company, feel free to find their quoting web page and give them your coverage information.

If you want to use a reputable agency, it’s important to understand the types of agencies and how they can service your needs differently. Agents in Seattle can either be exclusive or independent.

Independent Insurance Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. If you want to switch companies, they simply move your policy to a different company which is easy for the insured. If you are comparing insurance prices, you will definitely want to get insurance quotes from several independent insurance agents in order to have the best price comparison.

Below is a partial list of independent insurance agencies in Seattle that may be able to provide competitive price quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive agencies work for only one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. These agents are well trained on what they offer which can be an advantage.

Below are exclusive agencies in Seattle that can give you comparison quotes.

More insurance agents

Picking the best insurance agent needs to be determined by more than just a cheap quote. Any agent in Seattle should be forthright in answering these questions:

• How much training do they have in personal risk management?
• Can you choose the body shop in case repairs are needed?
• Are they able to provide referrals?
• Is there a local claims center in Seattle?
• Is insurance their full-time profession?

Upon getting good answers and a good coverage price, you may have just found an auto insurance agent that meets your needs to adequately provide insurance.