Car Insurance in Kirkland Washington - 10 Discounts You Might be Missing
Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are lots of people in the same boat.
Since consumers have many options when it comes to car insurance, it's nearly impossible to choose the best insurance company.
The purpose of this article is to tell you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Nevertheless, Washington car owners do need to know the methods companies use to price online insurance and apply this information to your search.
Compare the Market for Car Insurance in Kirkland
Most major insurance companies quote coverage prices directly from their websites. Getting quotes is quite simple as you simply type in the coverage amounts you desire as detailed in the form. Behind the scenes, their rating system will obtain credit information and your driving record and returns a price. This helps simplify price comparisons, but having to visit many different websites and complete many quote forms is monotonous and tiresome. But it's very important to do this if you are searching for the best price on car insurance.
A less time-consuming method to find better car insurance pricing is to use a quote form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. After sending your information, it is quoted and you can choose any or none of the returned quotes.
If a lower price is quoted, it's easy to complete the application and buy the new coverage. It takes 15 minutes at the most and may result in a nice savings.
To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles identical to your current policy. This way, you will have a fair comparison based on similar coverages.
Are you getting all your discounts?
Properly insuring your vehicles can get expensive, but you can get discounts that many people don't even know exist. Most are applied when you quote, but a few need to be asked for prior to getting the savings.
- No Accidents - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
- Defensive Driver - Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Anti-theft System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
- Homeowners Discount - Simply owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
- Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
- Discount for Good Grades - Getting good grades can save 20 to 25%. This discount can apply until age 25.
- Paperwork-free - Some insurance companies will give a small break simply for signing online.
- Low Mileage Discounts - Driving fewer miles can earn lower rates on the low mileage vehicles.
- No Charge for an Accident - Some insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
Consumers should know that most credits do not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. Just because you may think you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will help reduce the cost of coverage.
For a list of insurance companies offering car insurance discounts in Washington, follow this link.
Additional car insurance information can be found on the website for the Washington State Office of the Insurance Commissioner located here. Consumers can read industry bulletins, discover disciplinary actions, find out industry alerts, and read consumer alerts.
Other useful links include this online resource for car insurance quotes in Washington and this list of insurance agents in Kirkland.
Final considerations
Cost effective car insurance can be found from both online companies and also from your neighborhood Kirkland agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.
As you prepare to switch companies, do not reduce needed coverages to save money. There are too many instances where an insured dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.
