How to Get Low-Cost Edgewood Auto Insurance

Are you overwhelmed by the sheer number of auto insurance options in Edgewood? Lot's of other consumers are too. Drivers have so many choices that it can turn into a challenge to find the lowest price.

Be sure to get all your discounts

Companies that sell car insurance do not list all available discounts very well, so we break down both the well known as well as the least known ways to save on auto insurance.

  • Clubs and Organizations - Being a member of a professional or civic organization could trigger savings when buying auto insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
  • Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • No Charge for an Accident - Some insurance companies will forgive one accident before your rates go up so long as you haven't had any claims for a set time period.

It's important to note that most discount credits are not given the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you're out of luck.

Is there truth in advertising?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies make the same claim that you can save if you change to their company. But how can every company claim to save you money?

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer might be over the age of 40, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can state the savings. This illustrates why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Additional detailed information can be found at the Washington State Office of the Insurance Commissioner website. Visitors are able to find out which companies have the most complaints, find disaster information, and discover disciplinary actions.

Also read more on this link for Washington auto insurance quotes and this link which helps you find a Edgewood agent.

auto insurance in Edgewood

Final considerations

Lower-priced auto insurance is attainable both online and also from your neighborhood Edgewood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as questionable increases in premium, delays in responding to claim requests, policy cancellation and even delays in paying claims. Regardless of your reason, choosing a new insurance company is less work than it seems.