Vashon Auto Insurance For Less Than You're Paying Now

Finding better rates for Vashon auto insurance is challenging for consumers new to buying insurance online. People have so many options available that it can quickly become more work than you anticipated to compare prices in Vashon.

It's important to compare rates once or twice a year since insurance rates are constantly changing. If you had the lowest price six months ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

More discounts equal less premium

Companies don't always publicize all their discounts in a way that's easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Homeowners Pay Less - Owning a house in Vashon can save you money because of the fact that having a home shows financial diligence.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • No Accidents - Claim-free drivers pay much less as compared to drivers who are more careless.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • New Vehicle Savings - Insuring a new car is cheaper due to better safety requirements for new cars.

Keep in mind that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn't work that way.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to have a common claim that you can save if you move to their company. How can each company say the same thing? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. For instance, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has a high credit rating. A propective insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who do not match the requirements will have to pay more money and this can result in business not being written. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That's why insurance companies can state the savings. Because of the profiling, you should compare many company's rates. It's not possible to predict the company that will have the lowest rates.

More Washington auto insurance information

Additional detailed information is located at the Washington State Office of the Insurance Commissioner website. Washington drivers can get help finding coverage, download brochures, and read industry bulletins.

compare Vashon auto insurance rates

Shop smart and save

Affordable auto insurance is definitely available on the web and also from your neighborhood Vashon agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, high rates after DUI convictions and even delays in paying claims. It doesn't matter why you want to switch switching auto insurance companies is less work than it seems.

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped collision coverage and learned later that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest price.