Are you a victim of overpriced car insurance? Trust us, you’re not the only one. Drivers have multiple auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more challenging to find the lowest rates.
It’s a good idea to compare prices quite often because prices are rarely the same from one policy term to another. Just because you found the best deal last year you can probably find a better price now. You’ll find quite a bit of inaccurate information about car insurance online, so with this article, you’re going to get some proven techniques to find cheap car insurance.
Finding the cheapest coverage in Renton is quite easy. If you are insured now or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Washington consumers just need to learn the most effective way to compare rates over the internet.
The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but lesser-known reductions have to be inquired about in order for you to get them. If you aren’t receiving every discount you qualify for, you are throwing money away.
It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.
For a list of insurers who offer car insurance discounts in Washington, follow this link.
Some consumers just want to visit with an insurance agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of price shopping on the web is that you can obtain lower rates and still have an agent to talk to. Buying from local agencies is important especially in Renton.
To find an agent, once you fill out this short form, your coverage information is emailed to participating agents in Renton who will return price quotes to get your business. You won’t need to visit any agencies because quoted prices will be sent to the email address you provide. How cool is that?!
Shown below are agents in Renton that can give you price quote information.
Farmers Insurance Group – 433 Park Ave N, Renton, WA 98055 – (425) 430-8666
Chuck Rubin Agency – 326 Union Ave NE, Renton, WA 98059 – (425) 644-2676
Hub Insurance – 1102 Bronson Way N, Renton, WA 98055 – (425) 255-2486
Allstate Insurance – 364 Renton Center Way SW # 62a, Renton, WA 98055 – (425) 271-8398
Integrity Insurance – 222 Williams Ave S # 21, Renton, WA 98055 – (425) 277-9922
Selecting an insurer shouldn’t rely on just the price. Agents should be asked these questions:
Upon receiving acceptable answers to any questions you have and a good coverage price, you may have just found an provider that is a good match to properly insure your vehicles.
Consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise about savings if you switch your policy.
How can each company make the same claim? This is how they do it.
Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk might be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. Any new insured who meets those qualifications will get the preferred rates and as a result will probably pay quite a bit less when switching companies.
Consumers who don’t measure up to the “perfect” profile will be charged higher premiums which usually ends up with business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully advertise the savings.
That is why it is so important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.
Additional car insurance information is available on the website for the Washington State Office of the Insurance Commissioner located here. Consumers can read enforcement actions against agents and companies, find out industry alerts, and view a list of available companies.
Cheap car insurance is available on the web and with local Renton insurance agents, so compare prices from both to get a complete price analysis. Some car insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In too many instances, someone sacrificed liability coverage limits to discover at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.