Top 5 Ways You Can Buy Car Insurance for Less in Poulsbo

Beginners to buying insurance online will find buying cheap Poulsbo car insurance quite challenging.

It's important to check car insurance prices periodically since rates are constantly changing. Just because you found the best rates on your last policy you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to find affordable car insurance.

The purpose of this article is to familiarize you with the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Washington consumers only need to know the proper way to get comparison rates over the internet.

Poulsbo car insurance comparison

Poulsbo Car Insurance Comparisons

Cutting your Poulsbo car insurance rates is actually quite simple. You just have to take time getting comparison quotes provided by online insurance companies. This can be accomplished in several different ways.

  • The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate quote forms for each company. Just one form gets you price quotes from many national carriers. This is by far the quickest method.
  • A different way to get quotes online requires visiting each company's website to complete a price quote. For example, let's assume you want to compare , 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 Poulsbo, click here.

It doesn't matter which method you choose, just be sure to compare apples-to-apples quote information for every company. If you compare mixed coverages it will be next to impossible to decipher which rate is best in Poulsbo.

Save big with these 5 discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Some trigger automatically at quote time, but some may not be applied and must be inquired about in order for you to get them. If you don't get every credit you qualify for, you're paying more than you need to.

  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Good Student - A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Accident Forgiveness - Some insurance companies permit an accident before raising your premiums as long as you don't have any claims for a certain period of time.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of companies who offer car insurance discounts in Washington, click this link.

But I don't know anything about car insurance

When choosing coverage for your vehicles, there really is no "perfect" insurance plan. Each situation is unique.

These are some specific questions may help highlight if your situation would benefit from an agent's advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Washington?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Additional information can be read on the Washington State Office of the Insurance Commissioner website through this link. Consumers can read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.

Additional helpful sites include Auto Insurance 101 and this page where you can research Poulsbo insurance agents.