Tacoma Washington Car Insurance Company Lowest Rates

Selecting a car insurance company in Tacoma, Washington can be time consuming since finding the best Washington car insurance agent takes more work than just randomly choosing from the yellow pages. Chances are good you’re looking for a good agent that listens to you, but you also want to find affordable coverage.

With companies like American Family, Allstate, State Farm and independent agents having offices in Tacoma, it can be hard to know which will provide you with the lowest rates and best service. To help decide, you can use insurance quotes online to assemble a group of agencies to choose from.

Quote online, buy local

Good agents can answer important questions and give you peace of mind. One of the great benefits of comparing rates online is you can get better rates and still have an agent to talk to. Buying from local agencies is important especially in Tacoma.

For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to participating agents in Tacoma who will battle for your insurance coverage. There is no reason to leave your house because quoted prices will be sent to your email. It doesn’t get any easier!

Best car insurance agent in Tacoma

When finding local Tacoma agents, there are a couple of types of insurance agents from which to choose. Tacoma agents are either independent or captive. Either one can write coverage properly, but it’s worth mentioning how they are different because it can impact the selection process.

Independent Insurance Agents

Independent agents are not locked into one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When searching for an agent, we recommend you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.

Below is a short list of independent insurance agents in Tacoma who can help you get price quote information.

Matt Hall Agency – – Tacoma, WA 98424 – (253) 896-4255
J K Agency – 9205 S Tacoma Way # 107 – Tacoma, WA 98499 – (253) 582-2552
Karen Dunn Agency – 8404 83rd Ave SW # D – Tacoma, WA 98498 – (253) 984-6217
Nichols Insurance Inc – 3815 100th St SW # 4b – Tacoma, WA 98499 – (253) 582-2690
Reggie Johnson Insurance – 2405 N Pearl St # 10 – Tacoma, WA 98406 – (253) 752-1777

Captive Insurance Agents

Captive insurance agents can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents receive extensive training on their company’s products which helps them compete with independent agents.

Shown below are Tacoma captive agents that are able to give price quote information.

State Farm Insurance – 12001 Pacific Ave S # 204 – Tacoma, WA 98444 – (253) 537-1444
Allstate Insurance – 1314 72nd St E # C – Tacoma, WA 98404 – (253) 531-3091
Farmers Insurance Group – 5900 100th St SW # 13 – Tacoma, WA 98499 – (253) 582-5355

To view a complete directory of Tacoma captive insurance agencies, please go to this site.

Deciding on an insurance agent requires more thought than just the price. Ask your prospective agent these questions:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • What are the financial ratings for the companies they represent?
  • Will your rates increase after a single accident?
  • Do they specialize in personal lines coverage?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Upon receiving answers to your satisfaction to all your questions in addition to an acceptable price estimate, most likely you have located a car insurance agent that is a good match to service your policy.

Online alternative for car insurance

Professional insurance agents are important to many people, but Washington drivers can also buy direct from companies online. Even companies, such as Farmers Insurance and State Farm, that sell primarily through agents also allow you to quote and buy online, and consumers should do that if you don’t want to take the time to contact agents.

If you’re apprehensive about having to choose coverages yourself, this is expected but don’t let that bother you. Insurance companies have toll-free phone numbers and other options to answer your questions. They also offer the ability to chat online live with a sales rep and online research that you can use before buying.

Does coverage cost less online? It’s hard to say exactly since there are so many components that impact your premium. Common logic is that buying directly from the company saves the cost of an agent commission. But the reality is there are high advertising and marketing costs and this drives up their premium costs.

Tacoma insurance quotes

Read more about Washington car insurance

Additional information is located on the website for the Washington State Office of the Insurance Commissioner located here. Washington consumers can find out industry alerts, find disaster information, get help finding coverage, and file complaints about an insurance agent or broker.

More comparisons equals lower rates

Budget-conscious car insurance can be sourced online in addition to many Tacoma insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford.