Cheap Auto Insurance Quotes for a 20 Year Old Female in Washington

I’m sure you’ve seen the catchy commercials from car insurance companies like Farmers and Nationwide guaranteeing big savings. So you just need to pick the one with the catchiest commercial, right?

Unfortunately, it’s not that simple as there are many unknown factors like traffic citations and accidents, the safety features of your vehicle, and if you are single or married. This article will discuss the different ways you can keep rates low and educate you enough to have a good start to your coverage search.

One of the more important factors that auto insurance companies use to calculate the policy price is the neighborhood you call home in Washington. Areas that are more densely populated like Lakewood, Seattle, and Renton are more likely to pay higher prices, whereas areas with less congestion have the luxury of lower rates.

The following table displays the most costly cities in Washington for 20 year old women to purchase a policy in.

Information shown are approximated as specific Washington zip code can alter prices substantially.

Deciding which companies have the cheapest auto insurance rates for 20 year old women may require more work than just comparing rates from one or two companies.

Each auto insurer uses their own calculation for setting rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in Washington.

Best Auto Insurance Prices for Women Age 20

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Capital normally has some of the cheapest car insurance rates in Washington at around $784 each year. Grange, Nationwide, PEMCO, and Travelers are also some of the best Washington insurance companies.

As depicted above, if you currently buy coverage from PEMCO and switched to Grange, you might achieve annual savings of upwards of $181. Policyholders with Travelers may save as much as $215 a year, and Mutual Enumclaw insureds might lower prices by up to $252 a year.

If you would like to find cheap auto insurance for 20 year old women in Washington, click here to start your free quote or visit several of the following companies.

Remember that these rates are averages across all types of insureds and vehicles and and are not calculated with a rate surcharge for 20 year old women. So the car insurance company that fits your situation best may not even be featured in the rate chart shown above. That underscores the importance of why you need to get quotes using your own driver data and vehicle information.

Drive safe and save

One of the best ways to enjoy cheap auto insurance for 20 year old women in Washington is to be a safe driver and avoid at-fault accidents and violations. The information below shows how speeding tickets and at-fault claims can increase yearly insurance costs for each different age group. The rate quotes are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

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In the previous chart, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,187. Get written up for two speeding tickets and the average cost swells to $1,578, an increase of $390 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for 20 year old women increases to an average of $1,974. That’s an increase of $787, or $66 per month, just for being a little careless behind the wheel!

How to find cheap auto insurance for 20 year old women in Washington

The list below summarizes many thrifty ideas that can help Washington drivers buy cheaper coverage.

• Buy safe vehicles
• Try paying for small claims out-of-pocket
• Ensure your driving record is clean
• Buying home and auto insurance together can earn discounts
• At-fault accidents will increase rates
• Compare rate quotes frequently

The final tip is particularly crucial, as was pointed out in the prior article. Auto insurance prices can change considerably in a year, so don’t be hesitant to buy a different policy if a lower price can be found. We understand brand loyalty, but it’s not recommended if that dedication is costing a considerable chunk of change every month. Spend a few minutes and compare prices to find cheaper auto insurance for 20 year old women.

Who has the cheapest insurance quotes for young women?

There are a variety of different ways to shop around for auto insurance in Washington, but the most popular ways are using an exlusive agent such as State Farm or Allstate, an independent agent, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but each is slightly different in how they provide rate quotes.

Independent agents are appointed by several companies and can get policy pricing from every one. These agents have the freedom to compare multiple rates, which may provide you with improved odds of finding cheaper coverage. If the agent locates a cheaper price, your policy can be easily switched to a different company which makes it easier to save money.

An agent who is captive is usually just provide rates from one insurance company, two examples are Allstate or State Farm agents. This type of agents cannot shop your coverage around, so keep that in mind.

The last way is buying direct, which means you forego local agents and buy from a direct company like Geico. Shopping direct is good for drivers who do not need high amounts of coverage and know what limits they need.

Which method works best to find cheap auto insurance for 20 year old women in Washington? Most people assume that buying from a direct car insurance company saves money because you bypass the agent, but that generally is not the case. We could also say that an independent agent results in the best rates because they can quote many companies, but again, that’s not a true statement. And occasionally, exclusive agencies have very competitive rates well below independent agents AND direct companies.

Due to the large number of rating factors, the one way to ensure you are not overpaying is to get quotes and compare the rates. If time allows, get price quotes all three ways to give yourself the best selection. For a list of companies with cheap rates in Washington, click here to view.