Getting Cheaper Stanwood Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. Lots of contend to insure your vehicles, so it can be very hard to choose a to get the lowest price

It's important to price shop coverage at least once a year because prices are constantly changing. If you had the lowest price on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

If you are insured now or are looking for a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding the best rates in Stanwood is quite easy. Washington drivers only need an understanding of the best way to buy auto insurance online.

Comprehensive Stanwood Auto Insurance Comparison Quotes

Most major insurance companies such as State Farm, GEICO and Progressive quote coverage price quotes on their websites. This process doesn't take a lot of time as you just type in the coverage amounts you desire as detailed in the form. Behind the scenes, the company's rating system will obtain reports for credit and driving violations and gives you a price quote. Quoting online makes it a lot easier to compare rates but the process of having to visit each company's website and repetitively enter the same data into a form can get tiresome after awhile. But it's very important to compare as many rates as possible if you are searching for the best price on auto insurance.

There is an easier way!

A less time-consuming method to find better auto insurance pricing uses one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier to do. After sending your information, it is quoted and you are able to buy any of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the new coverage. It just takes a couple of minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you type in the coverage information identical to your current policy. This way, you will get comparison quotes based on similar coverages.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Discounts for married couples - Having a wife or husband actually saves money on your auto insurance policy. It usually means you are more mature and responsible and it's statistically proven that being married results in fewer claims.
Drive a safer car and pay less - Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you.
Theft deterrents lower rates - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Protect your assets with liability insurance - The liability section of your policy provides coverage if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
More miles equals more premium - The more you drive in a year the more you will pay for auto insurance. The majority of insurers apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance policy is showing the correct driver usage, because improper ratings can cost you money.
Careful drivers pay lower rates - Your driving citation history impacts your car insurance rates tremendously. Just one citation may increase your cost forty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
Claim-free discounts can add up - Car insurance companies in Washington give better rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher rates. Your insurance policy is designed for the large, substantial claims.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be inquired about before you will receive the discount. If they aren't giving you every credit possible, you're just leaving money on the table.

Sign Online - A few companies will discount your bill up to fifty bucks simply for signing on their website.
Drive Less and Save - Keeping the miles down could be rewarded with better rates on cars that stay parked.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
Club Memberships - Participating in certain professional organizations could trigger savings on auto insurance.
Auto/Life Discount - Larger companies have lower rates if you buy life insurance.
Air Bag Discount - Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
Federal Government Employee - Simply working for the federal government could cut as much as 10% off with select insurance companies.
Discount for New Cars - Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will cut the cost of coverage.

For a list of companies with the best auto insurance discounts in Stanwood, click this link.

Additional auto insurance information is located on the website for the Washington State Office of the Insurance Commissioner through this link. Washington consumers can get help finding coverage, find disaster information, view a list of available companies, and find out which companies have the most complaints.

And the best car insurance company is...

Cost effective auto insurance is possible online in addition to many Stanwood insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, never reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate.