Free Guide to Cutting Costs on Tumwater Auto Insurance Online

Having to pay for overpriced auto insurance can overdraw your bank account and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. Drivers have so many to buy insurance from, and even though it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices quite often because insurance rates are constantly changing. Even if you got the best price a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because we're going to demonstrate the only way to find better coverage at a better price.

Finding the best rates in Tumwater is quite easy. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Washington drivers only need an understanding of the proper way to buy auto insurance online.

Are you getting all your discounts?

Car insurance companies don't always publicize all their discounts very clearly, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
College Student - Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
Save over 55 - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Drive Less and Save - Driving fewer miles can earn discounted rates on garaged vehicles.
Own a Home - Owning a house in Tumwater can help you save on auto insurance because owning a home is proof that your finances are in order.
Air Bag Discount - Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

It's important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

More people means more accidents - Residing in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident.
Older drivers pay less - Teen drivers in Washington are statistically proven to be more careless when driving so they pay higher auto insurance rates. Parents adding a youthful driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
One company can mean more discounts - Most insurers will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money.
Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men are in accidents in similar percentages, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
Drive a safer car and pay less - Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from an agent's advice.

When does my teenage driver need to be added to my policy?
What are Washington no-fault laws?
Do I need PIP (personal injury protection) coverage in Washington?
Should I buy additional glass protection?
Is my nanny covered when driving my vehicle?
When do I need to add a new car to my policy?
Should I drop comprehensive coverage on older vehicles?
Why am I be forced to buy a membership to get insurance from some companies?

If you're not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

How can GEICO, State Farm and Progressive save drivers who switch?

Washington consumers get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you switch your coverage to them.

How does each company make almost identical claims?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who meets those qualifications will get the preferred rates and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everybody who quotes" save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers should compare as many rates as you can. It is impossible to predict which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

More tips and info about auto insurance can be found at the Washington State Office of the Insurance Commissioner website. Washington consumers can view agent and company licensing information, read enforcement actions against agents and companies, read consumer alerts, and learn about insurance regulations.

In the end, you save

As you go through the steps to switch your coverage, it's very important that you do not skimp on coverage in order to save money. In many instances, drivers have reduced physical damage coverage only to discover later that the savings was not a smart move. The ultimate goal is to get the best coverage possible at an affordable rate.

Low-cost auto insurance can be found online as well as from independent agents in Tumwater, so you should compare both to have the best selection. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with an unexpected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .