Free Guide to Paying Less for Brewster Auto Insurance Online

Expensive auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Numerous battle for your business, and because of this it can be hard to compare to get the lowest rate

Tips to Get Lower Brewster Rates

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Liability coverage protects you - Your policy's liability coverage is the protection if a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Pay less after the wedding - Being married helps lower the price on your policy. Having a spouse translates into being more responsible and it's proven that married drivers get in fewer accidents.
  • Safer cars cost less to insure - Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.
  • Car features impact rates - Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
  • Multiple policies with one company can save - Some insurers will award you with lower prices to people who have multiple policies with them. It's known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you're getting this discount you still need to comparison shop to verify if the discount is saving money.
  • Your stress level may be raising your rates - Occupations such as doctors, business owners and accountants have higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations like pilots, athletes and retirees get better rates.

Which Auto Insurance is Cheapest in Brewster, Washington?

Reducing your insurance rates is surprisingly easy. Consumers just need to invest a little time comparing rates online with multiple companies. This is very easy and can be done using a couple different methods.

  1. The fastest way to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate quotation requests for every auto insurance company. One form submission will get you price quotes from auto insurance companies with the best prices.
  2. A less efficient way to shop for auto insurance online requires a visit to each individual company website and complete a new quote form. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Brewster, click here.
  3. The least recommended way of getting rate comparisons is driving to and from local Brewster insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the trained guidance of a local Brewster agent. However, consumers can find lower rates online but buy from a local insurance agent and we'll touch on that later.

It's your choice how you get your quotes, but ensure you are comparing the exact same coverage limits on every quote. If you use differing limits it's not possible to make a fair comparison in Brewster.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Paperless Signup - Certain companies give back up to $50 for buying your policy on their website.
  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Student Driver Training - Cut your cost by having your teen driver enroll in driver's education if offered at their school.
  • Auto/Home Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
  • Claim Free - Drivers who don't have accidents can earn big discounts when compared with accident-prone drivers.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

To choose insurers with discount auto insurance rates in Brewster, click here to view.

Save $429 a year? Really?

Washington drivers can't ignore all the ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you change your coverage to them.

How do they all say the same thing?

All companies have a preferred profile for the type of customer that makes them money. An example of a profitable customer might be profiled as a mature driver, insures multiple vehicles, and drives newer vehicles. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile must pay higher rates and ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully claim big savings.

This illustrates why you need to quote coverage with many companies. It's not possible to predict which insurance companies will give you the biggest savings.

Additional information is available on the website for the Washington State Office of the Insurance Commissioner located here. Washington drivers can find out which companies have the most complaints, get help finding coverage, find disaster information, and view a list of available companies.

Best coverage at the best price

Cheap auto insurance is attainable on the web as well as from independent agents in Brewster, and you need to price shop both to get a complete price analysis. A few companies don't offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.