Are you a victim of overpriced auto insurance? Believe me, there are many people just like you. With so many choices of insurance companies, it can be diffult for consumers to locate the cheapest provider.
You need to price shop coverage at least once a year because rates are usually higher with each renewal. Just because you had the best price on your last policy you will most likely find a better rate today. Ignore everything you know about auto insurance because we’re going to demonstrate one of the best ways to lower your rates without sacrificing coverage.
Most companies such as 21st Century, Allstate and State Farm allow you to get pricing online. Getting quotes is quite simple as you simply enter the coverages you want as detailed in the form. Behind the scenes, their rating system collects your credit score and driving record and generates pricing information. Being able to quote online simplifies rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to get lower prices.
Isn’t there an easier way to compare rates?
The easiest way to lower your rates uses one simple form that obtains quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes online quotes much more enjoyable. After your information is entered, it is quoted and you can select any or none of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase coverage. This process takes less than 15 minutes and you will find out if you’re overpaying now.
To fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you replicate deductibles and limits as close as possible to your current policy. This helps ensure you will be getting an apples-to-apples comparison based on the exact same insurance coverage.
Auto insurance companies don’t always advertise every available discount very clearly, so we break down both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.
Some people just want to buy from a licensed agent and that is just fine! Licensed agents can help determine the best coverages and help submit paperwork. The best thing about getting online price quotes is that you can obtain the best rates but still work with a licensed agent.
After completing this short form, your insurance coverage information is instantly submitted to agents in your area who will return price quotes for your coverage. You never need to visit any agencies because quoted prices will be sent to the email address you provide. How cool is that?!
Choosing an provider shouldn’t rely on just a cheap price. These questions are important to ask:
When researching a local agent, there are a couple of different types of agents from which to choose. Agencies in Pasco can either be captive or independent (non-captive). Either one can write coverage properly, but it’s worth mentioning the differences since it can impact your selection of an agent.
This type of agents can only place business with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so keep that in mind. They are trained well on their company’s products which helps them compete with independent agents.
Shown below is a list of captive agents in Pasco that can give you comparison quotes.
Farmers Insurance Group – 4013 W Court St – Pasco, WA 99301 – (509) 545-4300
State Farm Insurance – 7007 Burden Blvd # 103 – Pasco, WA 99301 – (509) 544-9500
Allstate Insurance – 3330 W Court St # I – Pasco, WA 99301 – (509) 547-1171
Independent agents do not work for one specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent.
When comparing rates, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices.
Below are Pasco independent agents that are able to give comparison quotes.
Columbia Tri-Cities Insurance – 411 W Clark St – Pasco, WA 99301 – (509) 544-8779
Harvey Monteith Insurance – 3825 W Court St – Pasco, WA 99301 – (509) 543-9744
For a full directory of insurance agents in Pasco, please click here.
Upon getting positive responses to your questions and an acceptable price quote, you have narrowed it down to a car insurance agent that will service your policy.
When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For example, these questions could help you determine whether you may require specific advice.
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in much lower annual insurance costs.
As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.
Budget-conscious auto insurance is definitely available on the web and with local Pasco insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.
More tips and info about auto insurance is available at the Washington State Office of the Insurance Commissioner website. Washington consumers can learn about specific coverages, file complaints about a company, and view agent and company licensing information.