5 Methods to Save on Car Insurance in Maple Valley

Purchasing the most affordable Maple Valley car insurance on the internet may be challenging for beginners to comparison shopping online. With dozens of online companies, how can consumers effectively compare every one to find the lowest price?

It's important to compare prices quite often since rates are constantly changing. Despite the fact that you may have had the best deal on your last policy you may be paying too much now. Starting right now, ignore everything you know about car insurance because we're going to show you the proper way to find lower rates on car insurance.

If you have a current car insurance policy or need a new policy, you can use these techniques to find the best rates and still get good coverage. The purpose of this post is to help you learn how car insurance quotes work and some money-saving tips. Washington vehicle owners just need to know the most effective way to find the lowest price over the internet.

Free Quotes for Car Insurance in Maple Valley, Washington

There are multiple methods to compare car insurance quotes, but there is one way that is easier and takes less work. You could spend your day driving to insurance agencies in Maple Valley, or you could save time and use online quoting to get pricing more quickly.

All the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each company can give them a price for coverage. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is you are unable to specify which companies you want to price. So if you want to choose specific insurance companies to compare rates, we have a page of car insurance companies in Washington. Click to view list.

It doesn't matter which method you choose, just make darn sure you compare the exact same coverage information on every quote you get. If you use unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Maple Valley.

Maple Valley car insurance quote

Don't pay full price with these 5 discounts

Companies don't necessarily list every available discount in an easy-to-find place, so here is a list some of the more common as well as the least known car insurance savings. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Resident Student - Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • 55 and Retired - Older drivers may be able to get a small decrease in premiums.
  • Driver Safety - Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don't profit that way.

For a list of providers who offer car insurance discounts in Maple Valley, follow this link.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in Washington?
  • Why does it cost so much to insure a teen driver in Maple Valley?
  • Should I buy additional glass protection?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and can help protect your family.

More detailed Washington car insurance information is available at the Washington State Office of the Insurance Commissioner website. Consumers can read consumer alerts, read enforcement actions against agents and companies, and learn about insurance regulations.

Maple Valley car insurance comparison

A tidy conclusion

When you buy insurance online, you should never reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Discount car insurance can be bought from both online companies as well as from independent agents in Maple Valley, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned a lot of tips how to lower your car insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best price on car insurance is with a small local company.