Sultan Auto Insurance For Less Than You're Paying Now

Finding the lowest price for Sultan auto insurance can seem complicated if you have never used online price comparisons. But don't let that discourage you because using the internet to shop for auto insurance is actually quite easy.

It's important to shop coverage around occasionally since insurance rates are constantly changing. If you had the lowest rates last year there is a good chance you can find better rates now. So forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to find better rates and still maintain coverage.

Tips to Get Lower Sultan Rates

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • High credit ratings translate to low rates - Your credit rating is a huge factor in determining your rates. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit can use some improvement, you could save money insuring your by repairing your credit.
  • Bundling policies can get discounts - The majority of companies give discounts to people who buy several policies from them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to comparison shop to verify if the discount is saving money.
  • Optional equipment can affect rates - Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent your car from being stolen.
  • Safer occupants lowers premiums - Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you.

Sultan auto insurance quote

Finding Auto Insurance in Sultan, WA

Shopping for lower auto insurance rates can take hours if you don't understand the fastest way to get free quotes. You can spend your afternoon talking to local insurance agents in Sultan, or you can stay home and use the web to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company can give them a price determined by their information. This eliminates the need for form submissions to each individual auto insurance company.

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

The only drawback to getting quotes like this is that consumers can't choose which providers you want to price. If you would rather choose specific insurance companies to request quotes from, we put together a list of the cheapest auto insurance companies in Washington. View list of Washington insurance companies.

It doesn't matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits for each comparison quote. If your comparisons have different values for each quote it will be very difficult to determine the lowest rate in Sultan.

Don't pay full price with these discounts

Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked for before being credited. If they aren't giving you every credit you qualify for, you are paying more than you should be.

  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Student Driver Training - Cut your cost by having your teen driver take driver's ed class in high school.
  • Low Mileage - Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Defensive Driving Course - Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will cut your premiums.

To choose providers with the best auto insurance discounts in Sultan, follow this link.

The auto insurance bait and switch

Washington drivers can't ignore all the ads for cheaper car insurance from the likes of Allstate and Progressive. All the ads say the same thing about savings if you move your coverage to them.

How do they all say the same thing? This is how they do it.

All the different companies have a certain "appetite" for the type of customer that makes them money. For example, a preferred risk might be profiled as between 30 and 50, owns a home, and has great credit. A propective insured who fits that profile receives the best rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be charged higher prices which usually ends up with business not being written. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. That is how companies can truthfully advertise the savings.

That is why you need to get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Your personal situation dictates your coverage

When buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone's situation is unique.

Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?

If you don't know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Additional information can be found on the Washington State Office of the Insurance Commissioner website. Click here for link. Washington drivers can find out industry alerts, read consumer alerts, and view a list of available companies.

Sultan auto insurance quote

A tidy conclusion

As you prepare to switch companies, you should never reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including policy cancellation, policy non-renewal, extreme rates for teen drivers or even delays in responding to claim requests. Regardless of your reason, switching auto insurance companies is easier than you think.

Cheap auto insurance is possible on the web as well as from independent agents in Sultan, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don't offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.