Best Cheap Car Insurance Quotes for Low Mileage Drivers in Washington

Finding dependable, cheap insurance is easier said than done, and deciding which insurers offer the best auto insurance rates for low mileage drivers calls for a little more work. Every car insurance company uses their own method for determining rates in each state, so let’s rank the auto insurance companies with the overall best prices in Washington.

Cheap Insurance Rates in Washington

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Capital may have some of the most affordable car insurance rates in Washington at around $761 per year. Grange, Nationwide, PEMCO, and Travelers also qualify as some of the best Washington car insurance companies.

As shown above, if you are currently insured with PEMCO and switched to Capital, you might realize yearly savings of around $243. Customers with Travelers could save as much as $247 a year, and Mutual Enumclaw policyholders might lower prices by $293 a year.

Remember that these prices are averaged for all insureds and vehicles and and are not calculated with a rate decrease for low mileage drivers. So the company that fits you best may not even be featured in the chart above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

One of the more important components that is used by car insurance companies to calculate the cost of insurance is your address in Washington. Cities with larger populations or higher claims like Federal Way, Auburn, and Kent tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The next table displays the higher priced cities in Washington for low mileage drivers to purchase a policy in.

Premium amounts are comparative as specific location information can alter coverage prices greatly.

Cost and performance of the vehicle requiring insurance is probably the largest consideration that determines if you can find the best cheap auto insurance for low mileage drivers in Washington. Vehicles with lower performance, advanced safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models.

The information below features coverage premiums for some of the cheapest automobiles to buy insurance for.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in garaging location in Washington which can revise insurance rates noticeably.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific Washington garaging location which can affect premiums significantly.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can alter insurance rates noticeably.

Safe drivers Washington pay cheaper rates

The ideal way to get the most affordable auto insurance rates in Washington for infrequent drivers is to be a good driver and avoid accidents and violations. The example below highlights how traffic violations and fender-benders can impact car insurance costs for each age group. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

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The data in the chart shows the average cost of auto insurance in Washington per year with no accidents and a clean driving record is $1,764. Get two speeding tickets and the average cost increases to $2,439, an increase of $675 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for low mileage drivers goes up to an average of $4,945. That’s an increase of $3,181, or $265 per month, just for not driving safely!

How to find cheaper car insurance for low mileage drivers

The list below details some of the better money-saving solutions that can help Washington drivers buy cheap car insurance.

• Full coverage is expensive so only insure older vehicles for liability only
• Bundle car and home insurance and save money
• Pay lower rates with good credit
• Choose a safer vehicle and pay lower rates
• Do not get into accidents that are your fault
• Compare quotes from other companies often

The last item on the list is extraordinarily crucial, as we emphasized in the article above. Coverage prices can change considerably in a year, so don’t hesitate to buy a different policy if a better deal can be had. Many drivers have brand loyalty and that’s fine, but we do not recommend it if your bullheadedness ends up costing you money that could be used for better things. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for low mileage drivers.

Cheap insurance quotes for infrequent drivers

You have a lot of ways to comparison shop for auto insurance in Washington, but the most prevalent methods are using an independent insurance agent, a captive (or exclusive) agent such as Allstate or Auto-Owners, or buying direct from a company like Progressive or Geico. Each way is similar, but it’s important to understand the differences in how they price policies.

Independent insurance agents have contracts with multiple insurance companies and can compare rates with each one. These types of agencies can quote with many companies and provide you with more rates, which can help you get the best chance of saving money. If your agent finds a cheaper company, they simply move the coverage in-house which makes it simple for you.

An exlusive, or captive, agency is contracted to a single company, for example Allstate and Liberty Mutual agents. These agents are not able to shop your coverage around, so you will not be able to compare multiple prices.

Auto insurance from a direct company means you bypass the middleman (the agent) and instead buy buying direct from a company like Esurance or Progressive. Buying auto insurance direct may be the best choice consumers who do not need advice for risk management and know what coverages they need.

So what is the best way to buy the best cheap auto insurance for low mileage drivers in Washington? Most people assume that buying from a direct company results in the cheapest rates because there is no agent involved, but that does not always hold true. A valid argument could also be made that an independent agency is the best way due to more options, but again, it’s not a sure thing. And occasionally, exclusive agencies have really good rates that are impossible to beat.

Since auto insurance prices vary so much, the one way to ensure the lowest rates is to get rate quotes and compare. Smart shoppers will get price quotes from independent, exclusive, and direct to give yourself the best selection. For a list of auto insurance companies with low rates, click here to view.