Quote Chimacum Auto Insurance Prices With These Methods

Saving money on Chimacum auto insurance is nearly impossible for consumers new to comparison shopping online. Drivers have so many choices that it can easily become a challenge to find the best price in Chimacum.

It's important to compare prices once or twice a year because insurance rates are constantly changing. If you had the best price last year a different company probably has better rates today. Forget all the misinformation about auto insurance because you're about to learn one of the easiest ways to buy cheaper auto insurance.

Save big with these discounts

Car insurance is not cheap, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically when you quote, but a few need to be asked for prior to getting the savings. If you don't get every credit available, you are throwing money away.

Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
Lower Rates for Military - Having a deployed family member can result in better rates.
Low Mileage - Keeping the miles down can earn lower rates on the low mileage vehicles.
Discount for Life Insurance - Some companies give a break if you buy a life insurance policy as well.

It's important to note that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think it's possible to get free car insurance, you're out of luck. But any discount will help reduce your overall premium however.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Multiple policies with one company can save - The majority of companies give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare other company rates to verify if the discount is saving money. Consumers may find better rates by splitting coverages up.
An active claims history can cost you - Insurance companies in Washington provide discounts to drivers who do not file claims often. If you tend to file frequent claims, you can expect higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Rural vs Urban Areas - Being located in a rural area has it's advantages when insuring your vehicles. City drivers tend to have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.
Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Women and men tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
No coverage gaps is important - Driving without insurance is a misdemeanor and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with the Washington DMV.

Auto insurance ads bend the truth

Washington consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate and Progressive. All the ads say the same thing that you can save if you move your coverage to them.

But how can every company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. For example, a preferred risk could possibly be over the age of 50, has no tickets, and drives newer vehicles. A driver who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save that much money. That's why insurance companies can claim big savings.

That is why drivers should compare many company's rates. It is impossible to predict the company that will give you the biggest savings.

More information can be found on the Washington State Office of the Insurance Commissioner website. Click here for link. Washington consumers can read consumer alerts, download brochures, and view a list of available companies.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Chimacum agent directory.

And the best car insurance company is...

When trying to cut insurance costs, do not skimp on coverage in order to save money. Too many times, an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including policy non-renewal, extreme rates for teen drivers, unfair underwriting practices and even delays in responding to claim requests. Whatever your reason, switching auto insurance companies is less work than it seems.

Lower-priced auto insurance is possible online as well as from independent agents in Chimacum, and you should be comparing both to have the best rate selection. A few companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.