Top 10 Ways You Can Buy Car Insurance for Less in Mattawa

Having to pay for overpriced car insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is a great way to make sure you're not throwing money away.

Big companies like GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and find the best price available.

If you currently have car insurance, you will be able to cut costs considerably using these methods. Buying car insurance in Mattawa is not that difficult. Although Washington consumers do need to know the way companies sell online because it can help you find the best coverage.

How to Buy Mattawa Car Insurance Online

There are several ways to get quotes from local Mattawa car insurance companies. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do separate quotes for each company. One form gets you price quotes instantly.

A more time consuming way to compare rate quotes requires visiting the website for every company you want to comare to request a price quote. For example, let's assume you want comparison quotes from , and . You would have to visit each site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Mattawa, click here.

However you get your quotes, make darn sure you compare exactly the same quote information for each price quote. If you have mixed coverages it will be impossible to truly determine the lowest rate in Mattawa. Slightly different coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Take advantage of discounts

Companies that sell car insurance do not advertise all available discounts in a way that's easy to find, so we researched both the well known and the more hidden discounts you could be receiving.

Driver Safety - Taking a defensive driving course could cut 5% off your bill depending on where you live.
Student in College - Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
Own a Home - Owning a home in Mattawa can save you money due to the fact that maintaining a home shows financial diligence.
Government Employees - Simply working for the federal government can earn a discount up to 10% depending on your company.
Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance from them.
Drivers Ed for Students - Require your teen driver to enroll in driver's education if it's offered in school.
Good Student Discount - Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
Accident Waiver - A handful of insurance companies permit an accident without raising rates so long as you haven't had any claims for a certain period of time.
Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, you won't be that lucky.

For a list of insurers who offer car insurance discounts in Mattawa, click here.

How to know if you need help

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Mattawa?
Does my policy cover my teen driver if they drive my company car?
Do I have coverage for damage caused while driving under the influence?
What are the financial responsibility laws in Washington?
Is my cargo covered for damage or theft?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Even more information is located at the Washington State Office of the Insurance Commissioner website. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, report car insurance fraud, and download brochures.

Affordable insurance is out there

The cheapest car insurance can be sourced both online and also from your neighborhood Mattawa agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for car insurance, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.