7 Methods to Save on Car Insurance in White Salmon, WA

Overpriced car insurance can empty your savings account and put a big crunch on your finances. Shopping your coverage around is a smart way to help make ends meet. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

Compare Car Insurance Today

All major car insurance companies allow you to get coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in your required coverages as detailed in the form. After the form is submitted, the system will obtain your driving and credit reports and generates a price based on many factors. Online quotes streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it's very important to get many rate quotes in order to find better car insurance pricing.

The preferred way to compare car insurance pricing is to use a quote form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes online shopping much simpler. As soon as the form is sent, it is rated and you can select your choice of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles as shown on your current policy. This makes sure you will be getting a fair comparison for the exact same coverage.

These seven discounts can lower your rates

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but a few need to be specially asked for prior to getting the savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Discount for Life Insurance - Some companies give better rates if you take out life insurance.
Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
Driver Safety - Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
Paperwork-free - A few companies may give you up to $50 just for signing your application digitally online.
Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
Save with a New Car - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Keep in mind that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way. But any discount will reduce the cost of coverage.

To choose insurance companies who offer car insurance discounts in White Salmon, follow this link.

Are you falling for claims of savings?

Consumers in Washington can't ignore all the ads for car insurance savings from the likes of State Farm, Allstate and GEICO. They all say the same thing that you can save after switching your coverage to them.

How can each company claim to save you money?

Insurance companies have a preferred profile for the type of customer that makes them money. For example, a driver they prefer might be between 25 and 40, has no prior claims, and chooses high deductibles. Any new insured who fits that profile receives the best rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. This is how insurance companies can state the savings.

This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For instance, these questions can help discover whether you would benefit from an agent's advice.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
What happens if I owe more than my vehicle is worth?
What are the financial responsibility laws in Washington?
Does my liability insurance cover pulling a trailer or camper?
Can I afford to buy a different vehicle if my vehicle is totaled?

If you don't know the answers to these 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, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

More information can be found on the website for the Washington State Office of the Insurance Commissioner located here. Visitors are able to view a list of available companies, view agent and company licensing information, learn about insurance regulations, and file complaints about an insurance agent or broker.

And the best car insurance company is...

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Affordable car insurance can be bought both online as well as from independent agents in White Salmon, so you should compare both to have the best rate selection. Some insurance companies don't offer online price quotes and these regional insurance providers work with independent agents.