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