6 Discounts Selah Shoppers Forget when Quoting Car Insurance

Are you intimidated by the wide range of car insurance options in Selah? Lot's of other consumers are too. Drivers have so many companies to choose from that it can turn into a real hassle to locate the lowest price.

car insurance in Selah

How to Compare Car Insurance Quotes in Selah, Washington

Shopping for lower car insurance rates is a ton of work if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Selah, or you can stay home and use online quoting to get prices fast.

Most of the larger companies participate in a marketplace that allows shoppers to send in one quote, and each company provides a quote for coverage. This eliminates the need for quote requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which providers to get pricing from. If you prefer to choose specific providers to request quotes from, we put together a list of the cheapest car insurance companies in Washington. View list of Washington insurance companies.

Whichever way you use, ensure you are comparing identical deductibles and coverage limits on every quote you get. If you use different values for each quote it will be very difficult to determine which rate is truly the best in Selah. Just a small difference in coverages could mean much higher rates. Just remember that having more price comparisons helps you find better pricing.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all available discounts very clearly, so the following is a list of both the well known and the harder-to-find car insurance savings.

  • Fewer Miles Equal More Savings - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Organization Discounts - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • No Claims - Drivers with accident-free driving histories pay less when compared with accident-prone drivers.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To choose insurers with the best car insurance discounts in Washington, follow this link.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing about savings if you move your policy. How does each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. A good example of a profitable customer might be between the ages of 40 and 55, has no driving citations, and has a short commute. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay a higher premium which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully make the claims of big savings. This illustrates why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Even more information can be read at the Washington State Office of the Insurance Commissioner website. Visitors are able to find disaster information, find out which companies have the most complaints, and view a list of available companies.

Other informative sites include this resource for Washington car insurance prices and this page of Selah insurance agents.

Final considerations

Cheaper car insurance is possible both online in addition to many Selah insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, questionable increases in premium, unfair underwriting practices or even delays in paying claims. Regardless of your reason, switching car insurance companies is easier than you think.

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.