Popular Strategies for Buying Kirkland, WA Car Insurance at a Discount

Finding the best price on Kirkland car insurance can seem complicated if you’re new to online quotes. Don’t let that stop you because we’re going to show you how.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Buying cheaper coverage in Kirkland can be fairly easy. Although Washington vehicle owners must learn the methods companies use to price insurance differently because it can help you find the best coverage.

Discounts are available to cut your rates

Car insurance companies don’t list all their discounts in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on car insurance.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • No Claims – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, you’re out of luck.

To see a list of companies with discount car insurance rates in Kirkland, follow this link.

Kirkland Car Insurance Quote Comparison

Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You can waste a lot of time driving to insurance companies in Kirkland, or you can utilize online quoting to get rates in a matter of minutes.

Most major companies enroll in a system where insurance shoppers submit their information once, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to doing it this way is you don’t know exactly which companies to get pricing from. If you prefer to choose individual companies to compare prices, we have a listing of companies who write car insurance in Washington. View list of Washington insurance companies.

Whichever way you use, make darn sure you compare the exact same quote information for each comparison quote. If you compare higher or lower deductibles then you won’t be able to decipher which rate is best in Kirkland. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that more quotes helps you find a better price.

Tips to Get Lower Kirkland Rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Younger drivers pay higher rates – Young drivers in Washington tend to get distracted easily when driving so car insurance rates are higher. Adding a teen driver to your policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Having a spouse can save you money – Being married helps lower the price when buying car insurance. It means you’re more mature and responsible and it’s proven that married couples file fewer claims.
  • You might want pay the small claims yourself – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Washington give lower rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Don’t let your coverage lapse – Letting your insurance expire will be a quick way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • Where you reside plays a part – Being located in a rural area can be a good thing when it comes to car insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer people means fewer accidents.
  • Pleasure use saves money – The more miles you rack up on your car each year the more you will pay for car insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your car insurance policy properly reflects how each vehicle is driven, because it can save money.
  • Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women have accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.

Everyone needs different coverages

When choosing the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your situation would benefit from professional advice.

  • Do all my vehicles need collision coverage?
  • Does medical payments coverage apply to all occupants?
  • Does my vehicle need full coverage?
  • Which companies will insure high-risk drivers?
  • Is my vehicle covered for smoke damage?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Can you really save $442 a year?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to say the same thing that you’ll save big if you switch your policy. How can each company claim to save you money?

All companies have a certain “appetite” for the right customer that is profitable for them. An example of a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Any driver that hits that “sweet spot” is entitled to the best price and most likely will save a lot of money.

Potential customers who fall outside the “perfect” profile will be quoted higher rates and ends up with the customer not buying. The ads say “people who switch” not “everybody who quotes” save that much money. This is how companies can claim big savings. This emphasizes why drivers must compare as many rates as you can. It’s just too difficult to predict which car insurance company will fit your personal profile best.

More comparisons equals lower rates

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

People switch companies for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, high prices or even policy non-renewal. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

We just presented a lot of techniques to get a better price on car insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company.

More Washington car insurance resources

Additional detailed information can be read at the Washington State Office of the Insurance Commissioner website. Consumers can read industry bulletins, read state legal mandates and laws, and read enforcement actions against agents and companies.