Car Insurance in Marysville – 7 Discounts You May be Unaware of

I can’t think of anyone who looks forward to paying for car insurance, especially when they are paying too much. Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

It’s a good habit to shop coverage around at least once a year because insurance rates change quite often. Just because you found the lowest price two years ago you may be paying too much now. There is a lot of bad information regarding car insurance online but we’re going to give you some of the best ways to find cheap car insurance.

How to Get Car Insurance in Marysville, WA

Most major insurance companies like State Farm, Allstate and GEICO allow you to get prices for coverage online. Getting online quotes doesn’t take much effort as you just type in the coverage amounts you desire as detailed in the form. Behind the scenes, their system requests your driving and credit reports and gives you a price quote based on many factors. Online price quotes makes comparing rates easy, but having to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to perform this step if you want to find the best price on car insurance.

An easier way to lower your rates utilizes a single form to return rates from a lot of companies. It saves time, eliminates form submissions, and makes online quotes a lot less work. As soon as the form is sent, it is quoted with multiple companies and you can pick any of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It takes just a few minutes to complete and can result in significant savings.

If you want to find out what other companies charge, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles as close as possible to your current policy. Doing this guarantees you will have a price comparison based on the exact same insurance coverage.

Take advantage of discounts

Car insurance companies don’t always publicize all their discounts very well, so we break down some of the best known as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

What about using a local agent?

Some people prefer to buy from a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of comparing rates online is that you can obtain the lowest rates and still choose a local agent.

After completing this short form, the quote information is immediately sent to participating agents in Marysville who will give you bids for your business. There is no need to visit any agencies since price quotes are sent directly to your email. It doesn’t get any easier!

Choosing an provider needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:

  • How long has their agency been open in Marysville?
  • Who are their largest clients?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What insurance companies do they work with?
  • Is assistance available after office hours?

Is a captive or independent insurance agent right for you?

When looking for a reputable insurance agent or broker, there are a couple of types of insurance agents from which to choose. Agencies in Marysville are categorized either captive or independent. Both write coverage properly, but it’s good to learn how they differ since it may influence buying decisions.

Agency Captives

These agents can only place business with one company such as Allstate, AAA, Liberty Mutual and State Farm. They generally cannot compare other company’s rates so always compare other rates. Captives are very knowledgeable on the products they sell and that can be a competitive advantage.

The following are captive agencies in Marysville that can give you comparison quotes.

Allstate Insurance – 1326 5th St # A2 – Marysville, WA 98270 – (360) 653-5561
State Farm Insurance – 1015 State Ave – Marysville, WA 98270 – (425) 388-4100

Independent Agencies or Brokers

Independent agents are not employed by any specific company but instead can place your coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.

When shopping rates, you should always contact at least one independent agent to get the best comparison.Washington insurance prices

Listed below are independent insurance agents in Marysville that are able to give price quote information.

Axel Agency – 4107 80th St NE – Marysville, WA 98270 – (360) 659-6296
Eric N Wagner Insurance – 1375 State Ave – Marysville, WA 98270 – (360) 653-2127
Whitfield’s United Insurance – 1059 State Ave # B – Marysville, WA 98270 – (360) 659-1288

For a complete listing of insurance agents in Marysville, visit this site.

Once you have answers to your satisfaction as well as a affordable price, chances are good that you have found an auto insurance agent that meets your needs to insure your vehicles.

What is the best insurance coverage?

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if your situation may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Is my dog or cat covered if injured in an accident?
  • Why is insurance for a teen driver so high in Marysville?
  • Do I need roadside assistance coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • What if I total my vehicle and owe more than it’s worth?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the companies say the same thing that you’ll save big if you switch your policy.

How do they all make the same claim?

Different companies have a preferred profile for the right customer they prefer to insure. For instance, a desirable insured could possibly be between 30 and 50, a clean driving record, and has a short commute. Any new insured who fits that profile receives the best rates and therefore will cut their rates substantially.

Potential insureds who don’t measure up to the requirements will have to pay a higher premium and ends up with business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently claim big savings. Because of the profiling, drivers should get as many quotes as possible. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Specific coverage details

Understanding the coverages of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required (Washington limits are 25/50/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Washington auto insurance

Comprehensive coverage pays for claims such as hail damage, hitting a bird, damage from getting keyed, a broken windshield and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability coverages

Liability insurance can cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like loss of income, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible. Washington requires minimum liability limits of 25,000/50,000/10,000 but you should consider buying higher limits.

More effort can pay off

The cheapest car insurance can be sourced online as well as from independent agents in Marysville, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

In this article, we covered a lot of information how to compare car insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with an unexpected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

More tips and info about car insurance can be read at the Washington State Office of the Insurance Commissioner website. Washington consumers can report car insurance fraud, find out industry alerts, and get help finding coverage.

Also read more on Auto Insurance 101 and this page for help finding agents in Marysville, WA.