Free Guide to Cutting Costs on Liberty Lake Auto Insurance Online

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other drivers in Washington. Consumers have many to buy insurance from, and although it's a good thing to be able to choose, it can be more difficult to compare rates.

It's important to compare rates once or twice a year because prices are constantly changing. Just because you found the lowest rates six months ago there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

You have some control over your rates

Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Being married can save on auto insurance - Having a spouse can get you a discount on your auto insurance policy. It means you're more responsible and it's proven that drivers who are married are more cautious.
Your car's features help determine rates - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Pleasure use saves money - Driving more miles every year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance coverage shows the proper vehicle usage.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Jobs such as lawyers, executives and financial analysts tend to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations such as farmers, engineers and performers receive lower rates.
Liability coverage protects you - Liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
How credit affects auto insurance rates - Credit history is a important factor in your rate calculation. If your credit history is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.

How to Compare Auto Insurance Costs in Liberty Lake

All major auto insurance companies like State Farm, GEICO and Progressive provide prices online. This process is quite easy as you just type in the amount of coverage you want as detailed in the form. After the form is submitted, the company's rating system will obtain your credit score and driving record and returns a price quote based on many factors. Quoting online simplifies rate comparisons, but the time required to go to many different websites and fill out multiple forms gets old quite quickly. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to find cheaper rates uses one form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable. Once the form is submitted, it gets priced and you can select any one of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and complete the simple form. To compare your current rates, we recommend you input the limits and deductibles identical to your current policy. This makes sure you're receiving a fair comparison for the exact same coverage.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you're not getting every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Liberty Lake may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
No Accidents - Claim-free drivers can save substantially as compared to accident-prone drivers.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

To choose companies who offer auto insurance discounts in Washington, click this link.

Are you falling for claims of savings?

Washington consumers can't ignore all the ads for the lowest price auto insurance by State Farm, GEICO and Progressive. They all seem to make the same claim about savings after switching to their company.

How does each company make almost identical claims?

All companies can use profiling for the driver that makes them money. For example, a desirable insured could possibly be between 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully state the savings.

Because of the profiling, you need to quote coverage with many companies. It's impossible to know the company that will have the lowest rates.

Additional information can be found on the website for the Washington State Office of the Insurance Commissioner located here. Washington consumers can get help finding coverage, view a list of available companies, report car insurance fraud, and file complaints about an insurance agent or broker.

And the best car insurance company is...

Cheap auto insurance can be sourced online and also from your neighborhood Liberty Lake agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, never reduce coverage to reduce premium. In many cases, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford.