Quote Spokane, WA Car Insurance at a Discount With These Proven Techniques

Confused by the number of car insurance choices in Spokane? Many other consumers are too. Consumers have so many choices that it can quickly become a lot of work to find the best price.

If you are insured now or need a new policy, you can use these techniques to get lower rates and still get good coverage. Finding cheaper car insurance in Spokane is easy if you know what you’re doing. Washington drivers only need an understanding of the best way to get comparison rates on the web.

Verify you’re getting all your discounts

Auto insurance companies don’t list every available discount very well, so the following is a list of some of the best known and the harder-to-find ways to save on car insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Multiple Cars – Buying insurance for all your vehicles on the same car insurance policy qualifies for this discount.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Organization Discounts – Belonging to a civic or occupational organization could qualify you for a break when shopping for car insurance.
  • Save over 55 – Older drivers can possibly qualify for reduced rates.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Auto/Home Discount – If you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more than drivers with accidents.
  • College Student – Children who live away from home and do not have a car can receive lower rates.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

For a list of insurers offering car insurance discounts in Washington, click here.

How to Get Spokane Car Insurance Comparison Quotes

Reducing your insurance rates can be quick and easy. The only requirement is to take time to get quotes online from several insurance companies. This can be done using a couple different methods.

The best way to get quotes is to use a rate comparison form click to view form in new window. This easy form keeps you from doing boring form submissions for each company. Taking the time to complete one form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.Washington insurance quotes

A harder way to get comparison quotes consists of going to the website of each company and complete a new quote form. For instance, let’s say you want rates from Farmers, Progressive and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular.

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

However you get your quotes, make darn sure you compare the exact same coverage information for every company. If you are comparing different liability limits it’s impossible to decipher which rate is best in Spokane.

Factors that affect insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating your car insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with better car insurance rates.

  • Younger drivers pay higher rates – Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers have a tendency to be less responsible when behind the wheel therefore car insurance rates are much higher.
  • Pleasure use saves money – The more miles you rack up on your car in a year’s time the higher your rate. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy properly reflects how each vehicle is driven.
  • Lower rates with optional equipment – Owning a car with an alarm system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • No coverage gaps is important – Allowing your car insurance policy to lapse is a quick way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women have accidents at about the same rate, but the men have costlier accidents. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Where you reside plays a part – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident. Drivers in populated Washington areas regularly have congested traffic and longer commute times. Higher commute times means higher likelihood of an accident.

When should I talk to an agent?

When choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Is my vehicle covered for flood damage?
  • How can I get high-risk coverage after a DUI?
  • Does my medical payments coverage pay my health insurance deductible?
  • Who is covered by my policy?
  • Does my car insurance cover rental cars?
  • Does my vehicle need full coverage?
  • What should my uninsured motorist coverage limits be in Washington?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

A little work can save a LOT of money

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Affordable car insurance is attainable on the web and with local Spokane insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, unfair underwriting practices or questionable increases in premium. It doesn’t matter what your reason, finding a new company is easier than you think.

More tips and info about car insurance is located at the Washington State Office of the Insurance Commissioner website. Washington drivers can view a list of available companies, discover disciplinary actions, read consumer alerts, and learn about specific coverages.