Compare Friday Harbor Auto Insurance Prices With These Methods

Are you intimidated by the crazy number of auto insurance choices in Friday Harbor? Many other drivers are as well. People have so many choices that it can turn into a real challenge to locate the lowest price.

It's important to shop coverage around every six months since insurance rates are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the only way to get good coverage at a lower rate.

Take advantage of discounts

Companies don't always advertise all their discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If they aren't giving you every credit possible, you are throwing money away.

  • Senior Discount - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Clubs and Organizations - Affiliation with certain professional organizations may earn a discount on auto insurance.
  • Claim Free - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

Friday Harbor auto insurance comparison

Are auto insurance companies telling the truth?

Washington drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings if you switch your coverage to them.

How do they all say the same thing?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be profiled as between 30 and 50, has no driving citations, and has great credit. A propective insured that hits that "sweet spot" gets the lowest rates and most likely will cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will have to pay higher prices and this can result in business not being written. The ads say "customers that switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the savings. Because of the profiling, you should compare many company's rates. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Washington auto insurance

Even more information can be found at the Washington State Office of the Insurance Commissioner website. Washington drivers can read enforcement actions against agents and companies, report car insurance fraud, and read consumer alerts.

And the best car insurance company is...

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.

Cheaper auto insurance can be found on the web as well as from independent agents in Friday Harbor, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for a number of reasons such as not issuing a premium refund, lack of trust in their agent, policy cancellation and even questionable increases in premium. No matter why you want to switch, choosing a new insurance company is less work than it seems.