Buy Low-Cost Ocean Park Auto Insurance

Expensive auto insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to make sure you're not throwing money away. Because there are so many insurance companies to choose from, it can be diffult for consumers to locate the most affordable car insurance company.

How much can you save with discounts?

Auto insurance companies don't always advertise all available discounts very well, so here is a list some of the best known and the more hidden auto insurance savings. If you don't get every credit you deserve, you are throwing money away.

Driver Safety - Taking a course teaching defensive driving skills could cut 5% off your bill if you qualify.
Student in College - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Auto/Home Discount - If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
Government Employees - Active or retired federal employment can earn a discount up to 10% depending on your company.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren't that generous.

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

Do you need those extra coverages? - There are a ton of add-on coverages that you can get tricked into buying if you aren't careful. Things like vanishing deductibles, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
Older drivers pay less - Teenage drivers in Washington are known to get distracted easily when driving so auto insurance rates are higher. If you've ever had to add a young driver onto your auto insurance can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.
Big city or small town - Residing in a small town is a positive aspect when buying auto insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
Clean credit earns discounts - A driver's credit history is a large factor in determining what you pay for auto insurance. If your credit is not that good, you could potentially save money when insuring your by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
A lapse in coverage is a bad thing - Allowing your auto insurance policy to lapse will be a quick way to trigger a rate increase. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with the Washington department of motor vehicles.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs will benefit from professional help.

Should I rate my vehicle as pleasure use or commute?
Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Do I qualify for additional discounts?

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Washington drivers get pounded daily by advertisements for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing about savings after switching your policy.

But how can every company say the same thing?

Different companies have a preferred profile for the right customer that earns them a profit. An example of a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile must pay more money which usually ends up with business not being written. The ad wording is "people who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the savings. This illustrates why drivers should quote coverage with many companies. It's not possible to predict which insurance companies will fit your personal profile best.

Even more information is available at the Washington State Office of the Insurance Commissioner website. Washington drivers can discover disciplinary actions, read enforcement actions against agents and companies, view agent and company licensing information, and find out industry alerts.

Also read more on this resource for Washington auto insurance prices and this link which helps you find a Ocean Park agent.

A tidy conclusion

Cheap auto insurance can be purchased on the web in addition to many Ocean Park insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from an unexpected company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .