10 Ways You Can Buy Car Insurance for Less in Cheney

Expensive car insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Shopping your coverage around is a great way to help make ends meet. Having so many different company options, it can be hard to locate the cheapest provider.

It's important to shop coverage around on a regular basis since rates are constantly changing. Just because you found the lowest price six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because you're about to learn how to use online quotes to lower your rates without sacrificing coverage.

Policy discounts you shouldn't miss

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you complete an application, but less common discounts must be requested specifically before they will apply. If you don't get every credit you deserve, you are throwing money away.

  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • E-sign - A handful of insurance companies may give you up to $50 just for signing your application online.
  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Life Insurance Discount - Some companies give a break if you buy auto and life insurance together.
  • Driver Safety - Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Claim Free - Drivers who don't have accidents pay much less compared to drivers who are more careless.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Resident Student - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.

It's important to note that some credits don't apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you're out of luck. But any discount will help reduce the amount you have to pay.

Cheney car insurance quote

Save $429 a year? Really?

Consumers in Washington get pounded daily by advertisements for car insurance savings from the likes of Allstate and Progressive. All the ads have a common claim that you can save after switching your coverage to them.

But how can every company claim to save you money?

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a preferred risk might be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will be charged higher rates and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can state the savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

For more Washington car insurance information

More information is located on the website for the Washington State Office of the Insurance Commissioner located here. Visitors are able to read consumer alerts, get help finding coverage, learn about insurance regulations, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Cheney agent directory.

In the end, you save

As you restructure your insurance plan, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits only to discover later that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Lower-priced car insurance can be sourced both online as well as from independent agents in Cheney, and you should be comparing both to get a complete price analysis. Some insurance companies don't offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We just covered a lot of ways to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the biggest savings come from the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like .