Popular Techniques for Buying Lynnwood Auto Insurance for the Lowest Rate

Tired of trying to scrape together enough money to insure your vehicles every month? Your situation is no different than most other car owners in Washington. Big companies like GEICO and Progressive promote their brand names with catchy ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Lower rates by qualifying for discounts

Companies don’t list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Homeowners Pay Less – Owning a home in Lynnwood can save you money due to the fact that maintaining a home shows financial diligence.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Club Memberships – Being a member of a qualifying organization may earn a discount on your policy.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount depending on your company.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To choose insurers who offer auto insurance discounts in Lynnwood, follow this link.

How to Get Lynnwood Auto Insurance Comparison Quotes

Finding a lower price on insurance is actually quite simple. The only thing you need to do is invest a little time comparing price quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The recommended way to get quotes is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions to each individual auto insurance company. A single form will return quotes from multiple companies.

A slightly less efficient method to find lower rates is to manually visit the website of each company to complete a price quote. For instance, we’ll assume you want rates from State Farm, Esurance and Travelers. You would have to go to every website and enter your information, which is why the first method is more popular.

For a list of links to companies insuring cars in Lynnwood, click here.

Whichever way you use, make absolute certain that you use the exact same coverages and limits with every price quote. If you have different values for each quote it will be very difficult to decipher which rate is best in Lynnwood.

Keep this in mind

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

The cheapest auto insurance is definitely available online in addition to many Lynnwood insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.