Free Guide to Spending Less for Sumas Auto Insurance Online

Paying for high-priced auto insurance can dwindle your savings account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Insurance companies such as GEICO and Progressive all claim big savings with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage quite often since insurance rates are constantly changing. If you had the lowest rates two years ago you can probably find a lower rate today. So ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to lower your annual insurance bill.

How to Buy Sumas Auto Insurance Online

Most companies provide coverage price quotes online. Getting online quotes doesn't take a lot of time as you just type in your coverage information into the quote form. When the form is submitted, their system will obtain information on your driving record and credit history and generates a price based on many factors. Online quotes makes it a lot easier to compare rates but the time required to go to many different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

A quicker way to locate the lowest prices requires only one form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes online shopping much simpler. As soon as the form is sent, it gets priced and you are able to buy your choice of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and submit the form. To compare your current rates, we recommend you replicate as close as possible to your current policy. This ensures you will be getting rate quotes for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't always advertise all their discounts in a way that's easy to find, so we break down some of the best known and the more hidden savings tricks you should be using.

Sign Online - Certain companies give back up to $50 for buying your policy digitally online.
Senior Discount - Mature drivers can possibly qualify for a discount up to 10%.
Drivers Ed for Students - Have your child complete a driver education course in high school.
No Claims - Drivers who don't have accidents can save substantially as compared to bad drivers.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Government Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Sumas, click here to view.

It's not one size fits all

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from an agent's advice.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?
Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Can I afford to buy a different vehicle if my vehicle is totaled?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the Washington State Office of the Insurance Commissioner website. Washington drivers can get help finding coverage, learn about insurance regulations, download brochures, and read industry bulletins.