Free Guide to Spending Less for Burien Car Insurance Online

Expensive car insurance can dwindle your bank account and make it impossible to make ends meet. Shopping your coverage around is a smart way to cut your insurance bill. Since consumers have many companies and agents to choose from, it is hard for the average consumer to locate the most affordable insurance company.

More discounts equal less premium

Car insurance companies don't list all available discounts very well, so the following is a list of some of the more common and also the lesser-known car insurance savings. If you don't get every credit you deserve, you are throwing money away.

  • Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
  • Accident Waiver - Some insurance companies allow you one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.

It's important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies say the same thing that you can save after switching your policy.

But how can every company make the same claim? It's all in the numbers.

All companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer could be a mature driver, insures multiple vehicles, and has great credit. A customer who fits that profile is entitled to the best price and therefore will save a lot of money.

Potential insureds who do not match this ideal profile must pay more money which usually ends up with business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save that kind of money. This is how insurance companies can advertise the savings. This illustrates why you should compare as many rates as you can. Because you never know which insurance companies will give you the biggest savings.

For more Washington car insurance information

Additional detailed information can be read at the Washington State Office of the Insurance Commissioner website. Consumers can find out which companies have the most complaints, get help finding coverage, view agent and company licensing information, and find out industry alerts.

Also read more on this link for Washington car insurance quotes and this page for help finding agents in Burien, WA.

And the best car insurance company is...

Lower-priced car insurance can be purchased from both online companies in addition to many Burien insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.

We just showed you many ways to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the best price on car insurance is with a small mutual company. Regional companies often have lower prices on specific markets as compared to the big name companies such as .