Waitsburg Auto Insurance For Less Than You're Paying Now

Price shopping your Waitsburg auto insurance is hard for consumers not familiar with comparing rates online. People have so many options that it can easily become a lot of work to find the best price in Waitsburg.

Finding the best rates in Waitsburg is quite easy. Just about every vehicle owner who has to buy auto insurance will be able to lower their premiums. Nevertheless, Washington consumers do need to know how big insurance companies compete online.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Always keep insurance in force - Having an insurance coverage lapse will be a guaranteed way to bump up your auto insurance costs. And not only will your rates increase, failure to provide proof of insurance might get you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with the Washington motor vehicle department to get your license reinstated.
  • Your auto insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, social workers and financial analysts have higher average rates because of job stress and lots of time spent at work. Conversely, occupations such as farmers, engineers and performers get better rates.
  • Teen drivers pay high rates - Youthful drivers in Washington are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Being married is a good thing - Getting married can get you a discount on auto insurance. Having a significant other translates into being more mature and responsible and it's proven that drivers who are married are more cautious.
  • Protect your assets with liability insurance - Liability coverage will protect you when you are found liable for personal injury or accident damage. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Pleasure use saves money - Driving more miles every year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
  • Extra add-on coverages are wasting money - There are a ton of extra bells and whistles that can waste your money when buying auto insurance. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. They may seem good when you first buy your policy, but now you might not need them so eliminate them to save money.
  • More claims means more premium - If you file claims often, you can definitely plan on higher rates. Companies in Washington generally give lower rates to policyholders who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.

Comparison of Auto Insurance in Waitsburg

All major auto insurance companies like Progressive, Allstate and GEICO quote price estimates on the web. This process is quite simple as you simply type in as detailed in the form. After the form is submitted, the system will obtain your driving record and credit report and returns a price.

Quoting online streamlines rate comparisons, but having to visit many different websites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible if you are searching for better auto insurance pricing.

There is an easier way!

The preferred way to lower your auto insurance bill uses one form to obtain quotes from many companies. The form is fast, requires less work, and makes online price comparison a little more enjoyable. After your information is entered, it is quoted and you can select any one of the resulting price quotes. If a lower price is quoted, it's easy to complete the application and purchase the new policy. 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 complete the simple form. If you have your current policy handy, we recommend you copy your coverages identical to your current policy. This makes sure you're receiving a fair comparison for the exact same coverage.

These discounts can lower your rates

Car insurance companies don't list every discount very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Seat Belt Usage - Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Paperwork-free - A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Organization Discounts - Being a member of a qualifying organization may earn a discount when shopping for auto insurance.
  • Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.
  • Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Driver Safety - Taking part in a defensive driving course could save 5% or more if your company offers it.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurance companies who offer auto insurance discounts in Washington, click here.

Are you falling for claims of savings?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all have a common claim of big savings after switching your coverage to them. How does each company claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer might be between 30 and 50, is a homeowner, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher rates and this can result in the customer not buying. The ads say "customers that switch" not "everybody who quotes" save that much money. That's why insurance companies can confidently make those claims. This emphasizes why you need to get as many comparisons as possible. It's impossible to know the company that will have the lowest rates.

More tips and info about auto insurance can be read at the Washington State Office of the Insurance Commissioner website. Visitors are able to find a variety of consumer forms, read industry bulletins, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, not issuing a premium refund or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

While you're price shopping online, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage and discovered at claim time they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cost effective auto insurance can be bought both online as well as from independent agents in Waitsburg, so compare prices from both to get a complete price analysis. Some companies don't offer online price quotes and these small insurance companies work with independent agents.