Free Guide to Paying Less for College Place Car Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse. With consumers having so many different company options, it's nearly impossible to find the most affordable car insurance company.

It's important to price shop coverage every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest price a few years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you're about to learn the tricks you need to know to reduce your cost while improving coverage.

Shopping for affordable protection in College Place is easy if you know what you're doing. If you have a current car insurance policy or need new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Washington vehicle owners just need to know the most effective way to compare rates over the internet.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Proper usage rating affects rates - Driving more miles in a year the more you will pay for car insurance. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your car insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be a windshield shattered by a rock, damage from fire, or theft. Deductibles for physical damage are how much you are required to spend in the event of a claim. The more the insured has to pay upfront, the less your car insurance will be.
  • Your location is important - Choosing to live in small towns and rural areas can be a good thing when talking about car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Discounts for multiple policies - Many insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
  • Do men or women drive better? - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes have accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Safer cars cost less to insure - Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts passed on to you as lower rates.

Washington car insurance quotes

How to Compare Car Insurance in College Place, Washington

Reducing your insurance rates can be surprisingly simple. Consumers just need to take a couple of minutes comparing price quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  1. The fastest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry for each company you want a rate for. Filling out one form gets rate comparisons direct from many companies.
  2. A slightly less efficient method to shop for car insurance online is spending the time to visit the website for each individual company to complete their respective quote request forms. For instance, let's assume you want to compare rates from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in College Place, click here.

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples information on every quote you get. If you use higher or lower deductibles it's impossible to determine which rate is truly the best in College Place.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but less common discounts must be manually applied prior to getting the savings. If you don't get every credit possible, you are paying more than you should be.

  • Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Bundle and Save - If you insure your home and vehicles with one company you may save at least 10% off all policies.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Senior Citizens - If you're over the age of 55, 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.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • No Claims - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Save with a New Car - Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

To choose companies who offer car insurance discounts in Washington, click here to view.

Save $429 a year? Really?

Consumers in Washington can't ignore all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching your policy.

But how can every company claim to save you money?

Insurance companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured might be a mature driver, has no driving citations, and has a short commute. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can make the claims of big savings.

Because of the profiling, you need to get quotes from several different companies. You cannot predict which car insurance company will fit your personal profile best.

Much more information about car insurance in Washington is located on the website for the Washington State Office of the Insurance Commissioner located here. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, view agent and company licensing information, and read consumer alerts.

Other informative sites include Auto Insurance 101 and this page where you can research College Place insurance agents.

In the end, you save

As you shop your coverage around, do not reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford.

Discount car insurance can be purchased both online in addition to many College Place insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.