Nobody I know looks forward to buying auto insurance, especially knowing they are paying too much.
Big companies like GEICO and Progressive increase brand awareness with ad campaigns and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.
Consumers should take time to check auto insurance prices at least once a year because prices are adjusted regularly by insurance companies. If you had the lowest price a couple years back the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about auto insurance because I’m going to teach you one of the best ways to reduce your cost while increasing coverage.
If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Finding the best rates in Marysville is not rocket science. Although Washington vehicle owners should learn how companies sell insurance online and take advantage of how the system works.
When shopping for auto insurance there are multiple ways of comparing rate quotes from different in Marysville, WAinsurance companies. The quickest method to compare insurance prices is simply to get online rate quotes. This can be done using a couple different methods.
Whichever method you choose, ensure you are comparing identical coverages for every quote you compare. If you use different values for each quote it will be next to impossible to determine the best price in Marysville. Just a small difference in coverages can make a big difference in price. Keep in mind that comparing more company’s prices helps you find better pricing.
State Farm, Allstate and GEICO continually stream ads on television and other media. All the companies make the same claim that you can save after switching to their company. But how can every company say the same thing?
Insurance companies can use profiling for the type of driver that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 50, has no prior claims, and chooses high deductibles. Any new insured that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.
Potential customers who do not match the requirements will have to pay a more expensive rate which leads to the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that much money. This is how companies can make the claims of big savings.
Because of the profiling, you should get as many quotes as possible. It’s just too difficult to predict which auto insurance company will give you the biggest savings.
Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.
Shown below are a partial list of the pieces used by your company to calculate rates.
The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but a few must be requested specifically prior to getting the savings.
Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way. But all discounts will help reduce your overall premium however.
To see a list of companies who offer auto insurance discounts in Washington, click here to view.
Some consumers would prefer to visit with an insurance agent and that is just fine! The best thing about getting online price quotes is that you can obtain better rates but still work with a licensed agent. Supporting local businesses is important particularly in Marysville.
By using this form (opens in new window), your coverage information is instantly submitted to local insurance agents who will return price quotes to get your business. There is no need to visit any agencies as quotes are delivered directly to your email. Now that’s easy! You can find better rates and work with a local agent.
If you’re trying to find a good insurance agency, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Marysville agents are categorized either captive or independent (non-captive).
Independent agencies are not required to write business for one company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s recommended you contact at least one independent agent to ensure the widest selection of prices.
Listed below are independent agents in Marysville that are able to give price quote information.
Axel Agency – 4107 80th St NE – Marysville, WA 98270 – (360) 659-6296
Wagner Insurance Inc – 1375 State Ave # C – Marysville, WA 98270 – (360) 653-3737
Whitfield’s United Insurance – 1059 State Ave # B – Marysville, WA 98270 – (360) 659-1288
These agents can only write with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so always compare other rates. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage.
Below is a list of captive insurance agents in Marysville willing to provide price quote information.
Allstate Insurance – 1326 5th St # A2 – Marysville, WA 98270 – (360) 653-5561
State Farm Insurance – 1517 10th St – Marysville, WA 98270 – (360) 653-2582
To view a full list of auto insurance agents in Marysville, visit this site.
Selecting an insurance agency shouldn’t rely on just the bottom line cost. These questions are important to ask:
Once you have satisfactory answers for all questions you ask and a good coverage price, you have narrowed it down to an insurance agent that can properly insure your vehicles.
The cheapest auto insurance is possible online and also from your neighborhood Marysville agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
Throughout this article, we presented quite a bit of information on how to get a better price on auto insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.
Additional auto insurance information can be found on the website for the Washington State Office of the Insurance Commissioner through this link. Visitors are able to read state legal mandates and laws, view agent and company licensing information, and find a variety of consumer forms.