Top 8 Ways to Save Money on Car Insurance in Westport

Having to pay for overpriced car insurance can dwindle your personal savings and force you to make sacrifices. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Big companies like GEICO and Progressive continually hit you with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Finding the best rates in Westport is not that difficult. Although Washington consumers do need to know the methods companies use to market insurance on the web because it can help you find the best coverage.

Low Cost Westport Car Insurance

Most companies provide coverage price quotes on their websites. Getting quotes is fairly simple as you just enter your coverage information as detailed in the form. When the form is submitted, the system will obtain information on your driving record and credit history and provides a quote based on these and other factors. Online quotes streamlines rate comparisons, but the work required to visit several different sites and enter the same data into a form is monotonous and tiresome. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

A quicker way to locate the lowest prices is to use a quote form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons much easier. After sending your information, it gets priced with multiple companies and you can pick your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and submit the form. If you have coverage now, it's recommended you type in the limits and deductibles as close as possible to your current policy. This ensures you will have comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Companies don't always advertise all available discounts in a way that's easy to find, so we researched both the well known and the harder-to-find ways to save on car insurance.

  • Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy qualifies for this discount.
  • Senior Citizens - Mature drivers may receive a small decrease in premiums.
  • Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out life insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Drivers Ed for Students - Have your child enroll in driver's education if offered at their school.
  • Safety Course Discount - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

To see a list of insurers with discount car insurance rates in Westport, click this link.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique so this has to be addressed. For instance, these questions may help you determine whether you could use an agent's help.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

More sites with car insurance information

Even more information is located at the Washington State Office of the Insurance Commissioner website. Visitors are able to report car insurance fraud, learn about insurance regulations, find disaster information, and download brochures.