Easy Tips to Save Money on Union Gap Auto Insurance

If online auto insurance comparisons are new to you, you may be overwhelmed because of the huge number of auto insurance companies selling insurance in Union Gap.

It's important to do rate comparisons occasionally because prices are constantly changing. Even if you think you had the best rates a few years ago you can probably find a lower rate today. Don't believe everything you read about auto insurance online, so we're going to give you some great ways to find affordable auto insurance.

Finding the best rates in Union Gap is quite easy. If you have a policy now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Washington drivers only need an understanding of the tricks to shop for auto insurance on the web.

Washington auto insurance

Finding Auto Insurance Deals in Union Gap, WA

Most companies like State Farm and Allstate quote pricing directly from their websites. This process is pretty easy as you simply enter your coverage preferences as detailed in the form. When the form is submitted, the system will obtain your driving record and credit report and quotes a price.

This makes comparing rates easy, but having to visit each company's website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it's very important to do this if you are searching for better auto insurance pricing.

There is an easier way!

A quicker way to get multiple rate quotes uses one form that analyzes rates from many companies. The form is fast, requires less work, and makes comparison shopping a lot less work. After sending the form, it is quoted with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, it's easy to complete the application and purchase coverage. It can be completed in a matter of minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter the limits and deductibles identical to your current policy. This ensures you are getting comparison quotes for similar insurance coverage.

These discounts can lower your rates

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of both the well known and the more hidden ways to save on auto insurance. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Discount for Swiching Early - A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Auto/Life Discount - Larger companies have a discount if you purchase life insurance from them.
  • Accident Forgiveness - Certain companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Good Student - A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • Low Mileage - Low mileage vehicles could qualify for better rates on cars that stay parked.

Consumers should know that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way.

To see a list of providers with discount auto insurance rates in Washington, click this link.

Different people need different coverages

When choosing coverage for your vehicles, there isn't really a perfect coverage plan. Each situation is unique.

For instance, these questions might point out whether you may require specific advice.

  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the financial responsibility laws in Washington?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

More tips and info about auto insurance can be read at the Washington State Office of the Insurance Commissioner website. Visitors are able to file complaints about a company, read consumer alerts, and discover disciplinary actions.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Union Gap Washington.