Top 6 Ways You Can Buy Car Insurance for Less in Centralia

Beginners to buying insurance online can find finding the lowest-priced Centralia car insurance nearly impossible.

It's important to shop coverage around occasionally since rates are constantly changing. Just because you found the best rates a few years ago a different company probably has better rates today. There is too much inaccurate information about car insurance on the internet, so we're going to give you some great ways to find cheap car insurance.

Are you getting all your discounts?

Car insurance companies don't necessarily list every available discount very clearly, so the following is a list of some of the more common and the more hidden car insurance savings.

  • Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • E-sign - Some insurance companies will give a small break for buying your policy over the internet.
  • Resident Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Low Mileage - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky.

Washington car insurance

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

For instance, these questions might point out whether you might need professional guidance.

  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Does medical payments coverage apply to all occupants?
  • What are Washington no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate continually stream ads on television and other media. All the ads say the same thing about savings after switching your coverage to them. How does each company make the same claim?

Different companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a preferred risk could be between 30 and 50, owns a home, and has a short commute. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate which usually ends up with business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save that much money. That is how companies can truthfully make the claims of big savings. That is why drivers should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

Even more information can be read at the Washington State Office of the Insurance Commissioner website. Consumers can file complaints about a company, read consumer alerts, and get help finding coverage.

Centralia car insurance quote

Affordable insurance is out there

You just learned a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a company that doesn't do a lot of advertising.

As you shop your coverage around, it's very important that you do not skimp on coverage in order to save money. There have been many cases where an insured cut full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheaper car insurance can be sourced from both online companies as well as from independent agents in Centralia, so compare prices from both to have the best rate selection. Some insurance providers don't offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.