Finding the Cheapest Fife Car Insurance

I can't think of a single person who looks forward to paying for car insurance, especially when the cost is too high.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to check car insurance prices periodically because rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online but I'm going to show you some great ways to put money back in your pocket.

More discounts equal less premium

Companies that sell car insurance don't list all their discounts in a way that's easy to find, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • 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%.
  • Clubs and Organizations - Belonging to a civic or occupational organization may earn a discount on car insurance.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you won't be that lucky.

Fife car insurance comparison

It's not one size fits all

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight if you could use an agent's help.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Washington?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?

If you can't answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim about savings after switching to them. How can each company make the same claim?

All companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a desirable insured could be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A customer that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Potential insureds who do not match the requirements will have to pay more money and this can result in business going elsewhere. The ads state "people who switch" not "everyone that quotes" save money. That is how companies can truthfully advertise the way they do. Because of the profiling, you should get quotes from several different companies. Because you never know which company will provide you with the cheapest rates.

Even more information can be read at the Washington State Office of the Insurance Commissioner website. Consumers can read enforcement actions against agents and companies, file complaints about a company, learn about insurance regulations, and find disaster information.

Washington car insurance

The best insurance company isn't always the cheapest

When shopping online for car insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate.

We just showed you a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a company that doesn't do a lot of advertising. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .