Getting Cheap Auburn Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

Choosing the best insurance company for you in Auburn is quite easy. If you have a current car insurance policy or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Washington drivers only need an understanding of the tricks to shop their coverage around over the internet.

Quick Auburn Car Insurance Quotes

Most major insurance companies like Progressive, Allstate and GEICO quote coverage price quotes on the web. Obtaining pricing doesn't take a lot of time as you simply type in the coverage amounts you desire into the quote form. Behind the scenes, the system will obtain your driving record and credit report and gives you a price quote based on these and other factors. Quoting online makes it a lot easier to compare rates but the process of having to visit each company's website and repetitively complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for a lower rate.

There is an easier way!

A less time-consuming method to find better car insurance pricing makes use of a single form to obtain quotes from many companies. It's a real time-saver, requires less work, and makes comparison shopping much easier to do. As soon as the form is sent, it is quoted and you can select any one of the returned quotes. If the quotes result in lower rates, you can click and sign and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

In order to find out how much you're overpaying now, click here and complete the simple form. If you have your current policy handy, we recommend you copy exactly as they are listed on your policy. This way, you are getting comparison quotes based on similar coverages.

Learn How to Buy Car Insurance Cheaper

It's important that you understand the different types of things that help determine the rates you pay for car insurance. Knowing what determines base rates helps enable you to make changes that will entitle you to big savings.

Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, business owners and financial analysts are shown to have higher average rates attributed to job stress and lots of time spent at work. Conversely, jobs such as actors, engineers and performers pay the least.
Little extras can really add up - There are a ton of extra coverages that can waste your money when buying car insurance. Coverages for personal injury protection, accident forgiveness and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so eliminate them to save money.
Pay less after the wedding - Getting married can get you a discount on your policy. Having a significant other usually means you are more mature and responsible and it's statistically proven that being married results in fewer claims.
Women pay lower rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both cause accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
Multi-policy discounts can save money - Many insurers provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, you may still want to shop around to confirm you are receiving the best rates possible. You may still find a better deal by buying car insurance from a different company.
Adjust deductibles and save - Deductibles for physical damage define the amount you are required to spend if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, or theft. The more expense the insured has to pay upfront, the less your car insurance will be.
Bad driving skills means higher rates - A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates compared to drivers with tickets. Even one citation may increase your cost forty percent or more. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

More discounts equal less premium

Companies don't always advertise every discount very clearly, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you're not getting every credit possible, you're just leaving money on the table.

No Claims - Drivers with accident-free driving histories pay less when compared to frequent claim filers.
Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Paperwork-free - A handful of insurance companies may give you up to $50 simply for signing over the internet.
Senior Citizens - Older drivers may be able to get a discount up to 10%.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Homeowners Discount - Simply owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Air Bag Discount - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

It's important to understand that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

For a list of insurance companies who offer car insurance discounts in Washington, click here to view.

More tips and info about car insurance can be read at the Washington State Office of the Insurance Commissioner website. Visitors are able to read industry bulletins, discover disciplinary actions, get help finding coverage, and learn about insurance regulations.

Best coverage at the best price

Low-cost car insurance can be sourced both online in addition to many Auburn insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.

When buying insurance coverage, never reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.