Car Insurance in Almira - 10 Ways to Save Money

I can't think of anyone who likes having to buy car insurance, especially when the cost is way too high. There are many to pick from, and even though it's nice to be able to choose, it makes it harder to compare rates.

It's important to check car insurance prices occasionally since rates are constantly changing. Even if you got the best price a couple years back you can probably find a better price now. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.

Pricing affordable protection in Almira is quite easy. If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Washington vehicle owners just need to know the most effective way to find the lowest price over the internet.

Washington car insurance

Don't pay full price with these ten discounts

Car insurance can cost a lot, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked about prior to receiving the credit. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiration. It's a savings of about 10%.
  • Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Multi-policy Discount - If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Good Student - This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Accident Free - Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Low Mileage - Fewer annual miles can earn better rates on cars that stay parked.
  • Drivers Education - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
  • Payment Method - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.

Drivers should understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down your premiums.

To choose providers who offer car insurance discounts in Washington, click this link.

The car insurance bait and switch

Consumers can't ignore all the ads for cheaper car insurance by companies like State Farm and Allstate. All the ads make the same claim that you'll save big after switching to them.

How does each company make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that makes them money. For example, a preferred risk could be a mature driver, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards will be charged higher prices which leads to business going elsewhere. The ads say "drivers who switch" not "everyone that quotes" save money. That is how companies can advertise the way they do.

That is why you should get as many quotes as possible. It's just too difficult to predict which company will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required Washington minimum liability coverage?
  • Can I still get insurance after a DUI?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

For more Washington car insurance information

Much more information about car insurance in Washington can be found on the website for the Washington State Office of the Insurance Commissioner. Click here for link. Consumers can file complaints about a company, find out industry alerts, view agent and company licensing information, and file complaints about an insurance agent or broker.

Other informative sites include III.org's auto insurance page and this directory of insurance agents in Almira Washington.

Almira car insurance quote

And the best car insurance company is...

You just learned some good ideas how to save on car insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as .

As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. There have been many cases where an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.