Is Your Seattle Washington Auto Insurance Costing Too Much?

Buying the cheapest Seattle auto insurance on the web can be intimidating for people who are new to shopping for insurance online. When there are so many companies in the marketplace, how can you effectively compare them all to find the best available rates?

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Shopping for the best coverage in Seattle is simple if you know the tricks. Washington drivers only need to know the best way to buy auto insurance online.

Automobile Insurance Quotes in Seattle, Washington

Most companies like State Farm, GEICO and Progressive allow you to get insurance quotes directly from their websites. This process doesn’t take much effort as you just type in the amount of coverage you want as detailed in the form. After the form is submitted, their rating system obtains your driving record and credit report and returns pricing information.

This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s very important to do this if you want to find the lowest possible prices on auto insurance.

Rate comparisons made easy

The quickest way to lower your auto insurance bill uses one simple form to return rates from a lot of companies. It’s a real time-saver, reduces the work, and makes quoting online a lot less work. As soon as the form is sent, it is rated and you can choose your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you’ll know if lower rates are available.

To compare rates now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you duplicate the insurance coverages as shown on your current policy. This guarantees you will have a fair comparison for similar insurance coverage.

Companies offer discounts so take them!

Car insurance companies don’t always list every available discount very clearly, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Early Signing – Some companies give discounts for signing up before your current policy expires. This can save 10% or more.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount on auto insurance.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

insurance quote Washington

To see a list of providers who offer auto insurance discounts in Seattle, follow this link.

Additional Washington consumer information

Additional detailed information is located at the Washington State Office of the Insurance Commissioner website. Washington drivers can find a variety of consumer forms, download brochures, and read enforcement actions against agents and companies.