How to Know You're Spending Too Much for Car Insurance in Issaquah

Expensive car insurance can dwindle your personal savings and put a big crunch on your finances. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Having so many options when it comes to car insurance, it is hard for the average consumer to locate the cheapest insurance company.

Are you getting all your discounts?

Companies do not advertise all available discounts very well, so we researched both the well known and the harder-to-find car insurance savings.

  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Student in College - Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver - Some insurance companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Save with a New Car - Insuring a new car is cheaper since new cars are generally safer.

It's important to note that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you're out of luck.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's situation is unique and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you could use an agent's help.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Issaquah?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in Washington?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Am I covered when pulling a rental trailer?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies say the same thing that you can save after switching to them. But how can every company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer might be over the age of 40, insures multiple vehicles, and has great credit. Any driver who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile must pay more money which usually ends up with the customer not buying. The ad wording is "drivers who switch" not "everybody who quotes" save money. This is how insurance companies can advertise the savings. This illustrates why you should get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings.

Additional detailed information is located at the Washington State Office of the Insurance Commissioner website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, learn about insurance regulations, and file complaints about a company.

Also read more on this link for Washington car insurance quotes and this page for help finding agents in Issaquah, WA.

Issaquah car insurance comparison

Affordable insurance is out there

Lower-priced car insurance can be sourced both online and with local Issaquah insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

We just presented a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a smaller regional carrier. Regional companies often have lower prices on specific markets than the large multi-state companies such as .