Top 8 Ways to Save on Car Insurance in Quincy, WA

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as the majority of other car owners in Washington.

Online insurance companies like GEICO and Progressive persitently shower you with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.

car insurance in Quincy

Take advantage of discounts

Car insurance companies don't always advertise all available discounts in a way that's easy to find, so here is a list some of the more common and the more hidden car insurance savings.

  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education if offered at their school.
  • Military Discounts - Having a deployed family member could be rewarded with lower premiums.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% depending on your company.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Paperless Signup - Certain companies will give a small break for buying your policy digitally online.
  • Safety Course Discount - Completing a driver safety course could save 5% or more depending on where you live.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

For a list of insurers with discount car insurance rates in Quincy, follow this link.

Compare the Market for Car Insurance in Quincy

There are several ways to compare rate quotes and find the best price. The recommended way to find the lowest rates consists of shopping online. This can be accomplished using a couple different methods.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate forms for every car insurance company. Taking the time to complete one form will get you price quotes from several companies.

A different way to compare rate quotes requires a visit to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let's say you want rates from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, which is why most consumers use the first method.

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

The least efficient way of getting rate comparisons is driving around to different Quincy agent offices. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a local Quincy agent. You can, however, compare online quotes and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just double check that you are using exactly the same coverage limits on every quote you get. If each company quotes differing limits it will be next to impossible to determine which rate is truly the best in Quincy. Just a small difference in coverages may result in large price differences. It's important to know that comparing more company's prices will improve the odds of getting better pricing.

Final considerations

Cheap car insurance is attainable from both online companies in addition to many Quincy insurance agents, so you should compare both to have the best selection. There are still a few companies who do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.