I can’t think of a single person who looks forward to buying car insurance, especially when their premiums are through the roof. Since consumers have many car insurance companies to choose from, it’s difficult to find the lowest cost car insurance company.
Getting a lower price on insurance is surprisingly easy. All that’s required is to take time to compare rate quotes online with multiple companies. This can be accomplished in a couple of different ways.
For a list of links to insurance companies in Kent, click here.
However you get your quotes, make darn sure you compare apples-to-apples information with every price quote. If you use different deductibles it will be impossible to make an equal comparison in Kent.
Consumers in Washington constantly see and hear ads for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. All the ads say the same thing about savings after switching your coverage to them.
How do they all claim to save you money?
All companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured could be between 25 and 40, owns a home, and has a short commute. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save quite a bit of money when switching.
Potential customers who are not a match for the “perfect” profile will be quoted a more expensive rate and this can result in business not being written. The ads say “drivers who switch” not “people who quote” save money. This is how insurance companies can confidently make those claims. This emphasizes why drivers must get quotes from several different companies. You cannot predict which company will provide you with the cheapest rates.
Auto insurance companies don’t always list all their discounts very well, so here is a list both the well known as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.
Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you’re out of luck.
When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
More detailed Washington car insurance information is located at the Washington State Office of the Insurance Commissioner website. Consumers can find out which companies have the most complaints, file complaints about a company, learn about insurance regulations, and view agent and company licensing information.
Lower-priced car insurance is possible both online in addition to many Kent insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There have been many situations where an accident victim reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.
We just showed you some good ideas how you can shop for car insurance online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from an unexpected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.