No one cherishes buying auto insurance, especially when the price is too high. Online insurance companies like Allstate, Progressive and GEICO continually hit you with catchy ads and it can be hard to ignore the propoganda and take the time to shop coverage around.
It’s a great practice to price shop coverage once or twice a year since insurance rates change regularly. Despite the fact that you may have had the best price on your last policy you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to learn one of the best ways to buy cheaper auto insurance.
Car insurance companies don’t list all their discounts very clearly, so we break down some of the more common and the more hidden auto insurance savings. If you’re not getting every credit available, you are throwing money away.
Keep in mind that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.
To choose companies offering auto insurance discounts in Washington, click here.
Getting a lower price on insurance isn’t really that difficult. You just have to invest a little time comparing rates online from several insurance companies. This can be accomplished using a couple different methods.
For a list of links to companies insuring cars in Spokane Valley, click here.
Whichever method you choose, make darn sure you compare exactly the same coverages and limits for every company. If your comparisons have different values for each quote you can’t possibly determine the lowest rate in Spokane Valley.
An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. Having a good understanding of what influences your rates enables informed choices that could result in much lower annual insurance costs.
When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
A small number of people just want to sit down with an agent. Professional agents can answer important questions and give you peace of mind. The best thing about price shopping on the web is you can get better rates and still choose a local agent.
After completing this simple form, the coverage information is immediately sent to companies in Spokane Valley who will return price quotes for your business. You won’t need to drive around since price quotes are sent immediately to your email address. How’s that for easy!
Deciding on an insurance company should depend on more than just the premium amount. Agents should be asked these questions:
When looking for a local agent, you need to know there are two different agency structures that you can select. Agencies in Spokane Valley can either be captive or independent. Both types can insure your vehicles, but it’s worth learning how they are different because it can impact the type of agent you choose
Captive agencies are contracted to one company and examples are State Farm, AAA and Liberty Mutual. These agents are not able to compare other company’s rates so always compare other rates. Captive agents are trained well in insurance sales and that can be a competitive advantage.
The following are captive agents in Spokane Valley who may provide you with price quotes.
Allstate Insurance – 502 S Sullivan Rd # 102 – Spokane Valley, WA 99037 – (509) 926-1777
State Farm Insurance – 101 N Argonne Rd # G – Spokane Valley, WA 99212 – (509) 928-5626
Liberty Mutual Insurance – 11707 E Sprague Ave # 104 – Spokane Valley, WA 99206 – (509) 927-4655
Farmers Insurance Group – 12213 E Broadway Ave – Spokane Valley, WA 99206 – (509) 924-9100
Independent insurance agents are not required to write business for one company but instead can place your coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, it’s a good idea to contact multiple independent agents for maximum quote selection.
Shown below is a short list of independent insurance agencies in Spokane Valley willing to provide price quotes.
Mutual Of Enumclaw Insurance – 1227 N Argonne Rd – Spokane Valley, WA 99212 – (509) 328-9303
Osprey Agency – 11707 E Sprague Ave – Spokane Valley, WA 99206 – (509) 921-5290
Argonne Agency Inc – 324 N Mullan Rd – Spokane Valley, WA 99206 – (509) 921-6809
Allmark Agency – 12810 E Nora Ave # B – Spokane Valley, WA 99216 – (509) 928-8597
Western States Insurance – 505 N Argonne Rd # 3 – Spokane Valley, WA 99212 – (509) 893-9717
For a complete listing of Spokane Valley insurance agents, visit this site.
Upon getting reasonable responses to all your questions as well as a affordable price, you’ve probably found a car insurance agent that will service your policy.
The cheapest auto insurance can be sourced online as well as from independent agents in Spokane Valley, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
When trying to cut insurance costs, never skimp on coverage in order to save money. In many instances, an accident victim reduced uninsured motorist or liability limits and learned later that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
You just learned some good ideas how you can lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with a smaller regional carrier. They may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.
Additional detailed information can be read at the Washington State Office of the Insurance Commissioner website. Consumers can view a list of available companies, find out which companies have the most complaints, read enforcement actions against agents and companies, and learn about specific coverages.