Auburn Washington Auto Insurance For Less Than You’re Paying Now

Nobody I know likes having to buy auto insurance, particularly when their premiums are through the roof. Companies like GEICO, Farmers Insurance and State Farm continually hit you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s smart to take a look at other company’s rates before your policy renews because prices go up and down regularly. Just because you found the best price a year ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but with this article, you’re going to get some of the best ways to quit paying high auto insurance rates.

Fast and Easy Auburn Auto Insurance Quotes

Lowering your auto insurance rates is not a difficult process. You just have to take the time comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for separate quote forms to each individual auto insurance company. A single, simple form will get you price quotes from several companies.
  2. Another way to obtain and compare quotes online is to manually visit each company website and request a quote. For examples sake, we’ll pretend you want rates from Progressive, Liberty Mutual and Allstate. You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

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

  3. The least recommended method of comparing rate quotes is driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a local Auburn agent. It is possible to comparison shop your insurance online but still have the advice of a local agent and you’ll learn how to do that later.

Whichever way you use, make sure you use the exact same coverages and limits on every quote you get. If you are comparing mixed coverages it’s impossible to determine which rate is truly the best in Auburn.

Decisions you make can impact your rates

Consumers need to have an understanding of the factors that play a part in calculating your auto insurance rates. Understanding what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

Shown below are some of the items auto insurance companies consider when setting premiums.

  • Multiple policies with one company can save – Many companies give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Your credit rating is important – Your credit history is a huge factor in determining your rates. If your credit rating is not that good, you could potentially save money when insuring your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers with lower credit scores.
  • Discounts for married couples – Getting married can get you a discount on auto insurance. Having a significant other is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • Lower miles equals lower premium – The more you drive in a year the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance policy is showing the correct driver usage.

Don’t pay full price with these discounts

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find auto insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Homeowners Savings – Simply owning a home may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing on their website.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of companies with the best auto insurance discounts in Auburn, click this link.

Compare online but buy from a local Auburn agent

A small number of people prefer to talk to a local agent and that is a personal choice. Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.Auburn WA auto insurance

After filling out this quick form, your coverage information is immediately sent to local insurance agents who will battle for your business. You never need to drive around because quoted prices will be sent to the email address you provide. It doesn’t get any easier!

Choosing an provider shouldn’t rely on just a low price. These questions are important to ask:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How are they compensated?
  • Do the companies they represent have a solid financial rating?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they feel the quoted coverages are adequate?
  • What is the agency’s Better Business Bureau rating?

Insurance agencies in Auburn come in two varieties

When looking for a good insurance agency, there are two different types of agents from which to choose. Agents are classified as either independent (non-captive) or captive. While both can properly insure your vehicles, but it’s important to know the difference between them because it can impact your selection of an agent.

Captive Insurance Agents

These agents can only write with one company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. They receive extensive training in insurance sales which helps them compete with independent agents.

Below are captive insurance agents in Auburn that can give you rate quotes.

Allstate Insurance – 1408 Lake Tapps Pkwy E # E102 – Auburn, WA 98092 – (253) 833-5215
Farmers Insurance Group – 34 37th St NE # A – Auburn, WA 98002 – (253) 351-2990

Independent Agents (or Brokers)

These agents are not required to write business for one company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, it’s a good idea to include price quotes from multiple independent agents for the best price selection.

Below are independent agencies in Auburn willing to provide price quote information.

Auburn WA auto insurance

Bell-Anderson Insurance – 402 16th St NE # 101 – Auburn, WA 98002 – (253) 833-1550
Gary Turner Insurance – 1403 Auburn Way S # G1 – Auburn, WA 98002 – (253) 876-0775

For a full directory of insurance agents in Auburn, visit this site.

Upon receiving satisfactory answers to your questions as well as a affordable price, most likely you have located an insurance agent that meets your needs to insure your vehicles.

Online plus local equals savings

Budget-conscious auto insurance can be purchased both online and also from your neighborhood Auburn agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and these small insurance companies work with independent agents.

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an insured cut full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at an affordable rate.

Washington insurance information

Even more information can be found at the Washington State Office of the Insurance Commissioner website. Washington consumers can find disaster information, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.

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