9 Must-Know Methods When Shopping for Lakewood Washington Car Insurance

No one likes paying for car insurance, in particular when their premiums are too high. There is such a variety of insurance companies to choose from, and though it is a good thing to be able to choose, having more insurers makes it harder to find the lowest rates.

Smart consumers take time to take a look at other company’s rates occasionally since rates change regularly. Even if you got the best deal on your last policy you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the web, but by reading this article, you’re going to learn the best ways to slash your car insurance rates.

Cheap Lakewood Car Insurance Comparisons

Finding a better price on car insurance isn’t really that difficult. You just need to invest a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  • Probably the best way to find low rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quote forms for each company you want a rate for. Taking the time to complete one form will get you price quotes from car insurance companies with the best prices.
  • A more difficult way to compare prices is spending the time to visit the website of each company and fill out their own quote form. For example, we’ll assume you want to compare rates from Farmers, GEICO and Progressive. You would have to visit each site to enter your coverage information, which is why the first method is quicker.

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

  • The least efficient method to get comparison rates is to waste gas driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you want the professional guidance of a licensed agent. Drivers can get prices online but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, double check that you are using identical quote information with each company. If your comparisons have different limits and deductibles on each one it will be impossible to make an equal comparison in Lakewood.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • When would I need rental car insurance?
  • When should I not file a claim?
  • Does liability extend to a camper or trailer?
  • Should I put collision coverage on all my vehicles?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I need roadside assistance coverage?
  • When would I need additional glass coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car Insurance through a local agent

Some consumers would rather talk to a local agent and that is OK! Professional agents are trained to spot inefficiencies and give you someone to call. The best thing about price shopping on the web is that you can obtain better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is sent to insurance agents in Lakewood who will battle for your insurance coverage. There is no reason to leave your computer as quotes are delivered to the email address you provide. How cool is that?!

Picking an insurer needs to be determined by more than just a cheap price. Here are some questions to ask:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the agency support the community they serve?
  • Which insurance companies are they affiliated with?
  • Who are their largest clients?
  • Do they carry Errors and Omissions coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • If you have an accident, will your rates go up?
  • Do they assist clients in filing claims?

Shown below are Lakewood insurance companies that may be willing to give comparison quotes.

save money concept

Farmers Insurance Group – 9126 Gravelly Lake Dr SW, Lakewood, WA 98499 – (253) 376-1639
State Farm Insurance – 5202 100th St SW # B, Lakewood, WA 98499 – (253) 584-3981
Michael A Lewis Insurance Inc – 7403 Lakewood Dr W # 13, Lakewood, WA 98499 – (253) 565-3234
Best Insurance Co – 3615 Steilacoom Blvd SW, Lakewood, WA 98499 – (253) 582-4018

Once you have positive feedback to your questions and an affordable coverage quote, you may have just found an insurance company that will insure your vehicles.

Additional detailed information can be read at the Washington State Office of the Insurance Commissioner website. Visitors are able to find out which companies have the most complaints, find disaster information, learn about insurance regulations, and read consumer alerts.

The following information may also be useful.