Finding the best rates in Seattle is not rocket science. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Washington consumers just need to understand the proper way to shop over the internet.
Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.
The list below includes a few of the “ingredients” used by your company to calculate premiums.
Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we researched both the well known and the harder-to-find auto insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.
To choose insurers offering auto insurance discounts in Washington, click here to view.
Some consumers would rather visit with an insurance agent and that is OK! Good agents can point out coverage gaps and help you file claims. The biggest benefit of price shopping on the web is you may find better rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your insurance data is emailed to local insurance agents who will compete for your coverage. There is no need to visit any agencies due to the fact that quote results will go to your email. It doesn’t get any easier!
Choosing an insurance company needs to be determined by more than just the price. Agents should be asked these questions:
When looking for a local agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Seattle are classified as either captive or independent. Both write coverage properly, but it’s worth learning the difference between them since it may influence your agent selection.
These agents are contracted to one company like Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives receive extensive training in insurance sales and that can be a competitive advantage. Some people will only buy from captive agents partially due to loyalty to the company and strong financial ratings.
Listed below is a list of captive agents in Seattle that can give you comparison quotes.
Independent insurance agents are not required to write business for one company but rather can write business amongst many companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include several independent insurance agents to get the best comparison. They often place coverage with smaller regional carriers which can save you money.
Shown below are Seattle independent insurance agencies that can give you price quote information.
For a complete listing of auto insurance agents in Seattle, please view this page.
Once you have satisfactory answers to all your questions in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that meets your needs to properly insure your vehicles.
More detailed Washington auto insurance information is available at the Washington State Office of the Insurance Commissioner website. Washington drivers can find a variety of consumer forms, find out which companies have the most complaints, read enforcement actions against agents and companies, and view a list of available companies.
As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Insureds switch companies for many reasons like delays in paying claims, being labeled a high risk driver, policy cancellation and an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is easier than you think.
We covered many ways to lower your auto insurance rates. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the most savings is with the least-expected company.