8 Ways to Save on Car Insurance in Carnation

No one looks forward to paying for car insurance, especially when their premiums are too high.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes periodically since rates are constantly changing. Despite the fact that you may have had the lowest price two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to find out one of the best ways to get good coverage at a lower rate.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance in Carnation is easy if you know what you're doing. But Washington car owners do need to know how the larger insurance companies compete online because it can help you find the best coverage.

Take advantage of discounts

Car insurance companies do not list every available discount in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Good Student - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Military Discounts - Being on active duty in the military may qualify for rate reductions.
Multi-policy Discount - If you have multiple policies with the same company you may earn approximately 10% to 15%.
No Claims - Good drivers with no accidents pay much less compared to drivers who are more careless.
Low Mileage - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

Drivers should understand that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation will benefit from professional help.

Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Washington?
Should I buy additional glass protection?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads make an identical promise that you'll save big after switching your policy. How can each company make the same claim?

All the different companies have a certain "appetite" for the right customer that earns them a profit. For instance, a preferred risk could be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be charged a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that kind of money. That is how companies can state the savings. That is why you should compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

Additional Washington consumer information

More detailed Washington car insurance information is located at the Washington State Office of the Insurance Commissioner website. Consumers can find out industry alerts, file complaints about a company, learn about insurance regulations, and view a list of available companies.

Do the work, save more money

When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

You just learned many tips how you can reduce car insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from a small local company. Regional companies may only write in your state and offer lower rates than their larger competitors like .