Easy Ways to Pay Less on Pomeroy Auto Insurance

If you've never shopped for auto insurance online, you may be confused because of the huge number of auto insurance companies selling insurance in Pomeroy.

Choosing the best insurance company for you in Pomeroy is easy if you know what you're doing. If you have car insurance now, you should be able to save some money using these techniques. Washington vehicle owners just need to know the proper way to shop their coverage around on the web.

compare Pomeroy auto insurance rates

Auto Insurance Comparison Rates in Pomeroy, WA

Most companies give insurance quotes online. Getting online rates doesn't take much effort as you simply type in your personal and coverage information into the quote form. When the form is submitted, the company's rating system will obtain credit information and your driving record and gives you a price quote.

This makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get a lower rate.

A quicker way to compare rates uses one simple form that gets prices from a lot of companies. It's a real time-saver, eliminates form submissions, and makes online shopping much easier to do. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the quotes returned. If you find a better price you can click and sign and purchase coverage. This process takes just a few minutes to complete and you will know how your current rates stack up.

To save time and find out how much you're overpaying now, click here and begin entering your coverage information. If you have a policy now, it's recommended you input the limits and deductibles just like they are on your policy. This ensures you will be getting a price comparison for similar insurance coverage.

More discounts equal less premium

Companies that sell car insurance don't list every discount very well, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance. If you don't get every credit you qualify for, you're paying more than you need to.

  • Military Discounts - Having a family member in the military could be rewarded with lower premiums.
  • Passive Restraints - Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
  • Safety Course Discount - Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • No Claims - Good drivers with no accidents can earn big discounts when compared to bad drivers.
  • Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for better rates on cars that stay parked.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of insurance companies with discount auto insurance rates in Washington, click this link.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's.

Here are some questions about coverages that may help highlight if you would benefit from an agent's advice.

  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?

If it's difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Additional Washington consumer information

More detailed Washington auto insurance information is available at the Washington State Office of the Insurance Commissioner website. Washington consumers can find disaster information, file complaints about a company, and discover disciplinary actions.

Additional helpful sites include this page for auto insurance prices in Washington and this page of Pomeroy insurance agents.