Woodland Auto Insurance For Less Than You're Paying Now

Purchasing the lowest cost Woodland auto insurance online can seem to be impossible for consumers not familiar with price shopping online. With so many choices of companies competing online, how can you possibly compare every company to locate the best available rates?

Buying car insurance in Woodland is quite easy. Basically, anyone who has to buy auto insurance stands a good chance to be able to cut their insurance bill. Nevertheless, Washington vehicle owners do need to know the way insurance companies compete online.

Save big with these discounts

Car insurance companies don't always advertise every discount very clearly, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% 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 may qualify for this discount.
  • Senior Discount - Mature drivers may be able to get reduced rates.
  • Air Bag Discount - Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Driver Safety - Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance from them.
  • Paperwork-free - Some insurance companies give back up to $50 simply for signing over the internet.

It's important to understand that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

To see a list of insurance companies who offer auto insurance discounts in Washington, click here.

How to Buy Woodland Auto Insurance Online

There are several ways to compare rate quotes from local Woodland auto insurance companies. The best method to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

  • The best way to get quotes is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for multiple quote forms for each company. One form will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A harder way to get quotes online requires you to visit the website of each company and request a quote. For example, let's say you want comparison quotes from , and . You would have to visit each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Woodland, click here.

However you get your quotes, make darn sure you compare identical coverage information with every price quote. If you have unequal deductibles or liability limits it will be impossible to find the best deal in Woodland. Slightly different coverage limits can make a big difference in price. And when comparison shopping, quoting more helps locate the best offered rates.

What determines how much you pay?

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Knowing what determines base rates allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Careers like real estate brokers, social workers and financial analysts tend to pay higher average rates attributed to job stress and long work hours. Conversely, professions such as pilots, engineers and performers have the lowest average rates.
  • Mature drivers pay less - Teenage drivers in Washington are known to be careless and easily distracted when driving so they pay higher auto insurance rates. Parents adding a teenage driver to your policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Men pay higher rates - Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the men have costlier accidents. Men also statistically get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • A clean driving record saves money - Even one ticket can increase rates twenty percent or more. Good drivers receive lower rates compared to drivers with tickets. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Little extras can really add up - There are a ton of add-on coverages that can waste your money if you aren't careful. Coverages for roadside assistance, accident forgiveness and motor club memberships are some examples. They may seem good at first, but if you don't need them eliminate them to save money.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Woodland?
  • Should I put collision coverage on all my vehicles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the financial responsibility laws in Washington?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?

If you can't answer these questions, you may need to chat with an agent. If you don't have a local agent, simply complete this short form.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim of big savings after switching to them. How does each company say the same thing?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and chooses high deductibles. A propective insured that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted a more expensive rate and this can result in business not being written. The ads say "people who switch" not "people who quote" save money. This is how insurance companies can confidently state the savings. This emphasizes why drivers must compare as many rates as you can. It's not possible to predict which insurance companies will give you the biggest savings.

Do the work, save more money

Drivers change insurance companies for many reasons like high rates after DUI convictions, not issuing a premium refund, denial of a claim or poor customer service. Whatever your reason, finding the right auto insurance provider is actually quite simple.

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with an unexpected company.

Woodland auto insurance comparison

More tips and info about auto insurance can be read at the Washington State Office of the Insurance Commissioner website. Washington drivers can read industry bulletins, read enforcement actions against agents and companies, and learn about insurance regulations.