How to Know You're Spending Too Much for Car Insurance in Veradale

Expensive car insurance can take a big chunk out of your bank account, especially in this economy. Comparison shopping is a smart way to lower your monthly bill. Numerous battle for your business, and because of this it can be hard to compare to discover the definitive lowest rate

It's important to compare rates yearly since rates are constantly changing. Just because you had the lowest price two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Most are applied when you purchase, but less common discounts must be specially asked for before being credited. If they aren't giving you every credit you deserve, you are throwing money away.

Accident Waiver - A few companies allow you one accident before your rates go up as long as you don't have any claims for a set time period.
Bundle and Save - If you have multiple policies with one company you could get a discount of at least 10% off all policies.
Passive Restraints - Factory air bags or automatic seat belts can get savings of 20% or more.
Defensive Driver - Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Every situation is different and a cookie cutter policy won't apply. For example, these questions can help discover if your insurance needs could use an agent's help.

I have good health insurance, so how much medical payments coverage do I need?
What are the best liability limits?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance 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. It's fast, doesn't cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Washington get pounded daily by advertisements for car insurance savings by State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you switch to their company.

How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured might be over the age of 40, has no prior claims, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Washington

Additional information is located on the website for the Washington State Office of the Insurance Commissioner found here. Visitors are able to get help finding coverage, view agent and company licensing information, file complaints about a company, and discover disciplinary actions.

In the end, you save

Cheap car insurance is available both online and also from your neighborhood Veradale agents, and you need to comparison shop both in order to have the best price selection to choose from. 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.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.

We just covered a lot of tips how to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest premiums are with some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .