10 Shopping Tips Guaranteed to Slash the Cost of Auto Insurance Costs in Shoreline Washington

Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you there are many Shoreline consumers feeling the pinch from expensive auto insurance.

Online insurance companies like Progressive, State Farm and GEICO all claim big savings with TV and radio ads and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s a good idea to compare prices yearly because insurance rates tend to go up over time. Just because you had the best price two years ago there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance online, so I’m going to show you some guaranteed methods to find affordable auto insurance.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage in Shoreline is quite easy. Although Washington consumers should learn how insurance companies price online insurance and apply this information to your search.

Fast and Easy Shoreline Auto Insurance Quotes

All the larger auto insurance companies quote prices for coverage on their websites. This process is pretty painless as you simply type in the coverage amounts you desire as requested by the quote form. After you complete the form, their system pulls your driving record and credit report and returns a price quote based on these factors. This simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for better auto insurance pricing.

The easiest way to find lower prices requires only one form to return rates from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier. After sending your information, your coverage is rated and you can select any one of the quote results. If a lower price is quoted, you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare pricing, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you copy the coverage information exactly as they are listed on your policy. This ensures you are getting a fair comparison based on identical coverages.

Be sure to get all your discounts

Companies do not list every discount very clearly, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Club Memberships – Participating in a civic or occupational organization may earn a discount when buying auto insurance.
  • Claim Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than less cautious drivers.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.

Consumers should know that most credits do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

For a list of companies who offer auto insurance discounts in Washington, click here to view.

Are insurance agents a thing of the past?

A small number of people just want to buy from a licensed agent and there is nothing wrong with that. The best thing about comparing rates online is that you can obtain lower rates and still have an agent to talk to.

By using this short form, the coverage information gets sent to companies in Shoreline who will return price quotes for your insurance coverage. There is no need to leave your computer because quoted prices will be sent directly to your email. How cool is that?! You’ll get the best rates and work with a local agent.

Deciding on an insurer shouldn’t rely on just a low price. These questions are important to ask:price insurance in Shoreline

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is assistance available after office hours?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do the companies they represent have a solid financial rating?
  • Who is covered by the car insurance policy?

Below are Shoreline auto insurance companies willing to provide rate quotes.

Farmers Insurance Group – 18021 15th Ave NE # 204, Shoreline, WA 98155 – (206) 367-1672
Carl Gerling Insurance – 18110 Midvale Ave N, Shoreline, WA 98133 – (206) 546-2215
David R Golden Agency – 17010 13th Ave NE, Shoreline, WA 98155 – (206) 363-7880
Allstate Insurance – 19524 Ballinger Way NE, Shoreline, WA 98155 – (206) 367-1641
Interstate Insurance – 18820 Aurora Ave N # 104, Shoreline, WA 98133 – (206) 542-3195

After getting positive feedback to any questions you have and a good coverage price, it’s possible that you found an insurance company that is a good match to adequately provide auto insurance.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage when using my vehicle for my home business?
  • Are my tools covered if they get stolen from my vehicle?
  • If my vehicle is totaled, can I afford another vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • When does my teenage driver need to be added to my policy?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Collision – This covers damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as doctor visits, dental work, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability – Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like attorney fees, funeral expenses, medical services and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford. Washington requires minimum liability limits of 25,000/50,000/10,000 but you should consider buying more liability than the minimum.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

price insurance in Shoreline

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, falling objects, hitting a bird and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.

Since many Washington drivers have only the minimum liability required by law (which is 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Do the work, save more money

You just read many tips how you can get a better price on auto insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from some of the lesser-known companies. They may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

The cheapest auto insurance can be sourced both online and with local Shoreline insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Additional resources for Washington consumers

More detailed Washington auto insurance information is located at the Washington State Office of the Insurance Commissioner website. Visitors are able to view agent and company licensing information, find disaster information, and find out industry alerts.

Additional helpful sites include FindNewCarInsurance.com and this link where you can get more info about Shoreline coverage.