Proven Ways to Save on Port Angeles Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat.

Having so many companies to choose from, it is hard for the average consumer to pick the right provider.

It's important to compare prices at least once a year because prices are constantly changing. Just because you had the best rates six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance online but we're going to give you some great ways to find affordable auto insurance.

Buying car insurance in Port Angeles is easy if you know what you're doing. Basically, every driver who is required by state law to have auto insurance will most likely be able to cut their insurance bill. But Washington drivers do need to know how big insurance companies sell insurance online.

Washington auto insurance

How to Compare Port Angeles Auto Insurance Costs

There are several ways of comparing price quotes from auto insurance companies in your area. The best method to compare insurance prices is simply to get online rate quotes. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating boring form submissions for every auto insurance company. Completing one form will return quotes from all major companies.
  • A more difficult way to compare rate quotes is to take the time to go to each company website to complete a price quote. For instance, we'll assume you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.

    To view a list of companies in Port Angeles, click here.

It's up to you which method you use, but compare apples-to-apples coverages and limits with each company. If you are comparing different deductibles it will be impossible to make an equal comparison in Port Angeles. Quoting even small variations in insurance coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies provides better odds of finding a lower rate.

Take advantage of discounts

Companies do not advertise every available discount very well, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Defensive Driver - Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Memberships - Participating in a professional or civic organization is a good way to get lower rates on your policy.
  • Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Homeowners Discount - Being a homeowner can help you save on auto insurance because owning a home demonstrates responsibility.
  • Claim Free - Drivers with accident-free driving histories pay less compared to bad drivers.
  • Discount for New Cars - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

Drivers should understand that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like it's possible to get free car insurance, companies wouldn't make money that way.

To see a list of providers offering auto insurance discounts in Washington, click here to view.

More detailed Washington auto insurance information can be read at the Washington State Office of the Insurance Commissioner website. Washington consumers can file complaints about a company, discover disciplinary actions, read consumer alerts, and find out which companies have the most complaints.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Port Angeles insurance agents.