Free Guide to Paying Less for Clarkston Auto Insurance Online

No one in their right mind looks forward to paying for auto insurance, especially knowing they are paying too much. Insurance companies such as GEICO and Progressive all promote huge savings with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Policy discounts you shouldn't miss

Car insurance companies don't always advertise every discount in a way that's easy to find, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you are throwing money away.

Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
Federal Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

Clarkston Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

Safe vehicles cost less to insure - Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.
A clean driving record saves money - Even one ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Men pay higher rates - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men have accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
Never go without insurance - Letting your insurance expire will be a sure-fire way to bump up your auto insurance costs. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different so this has to be addressed. For example, these questions may help highlight whether your personal situation will benefit from professional help.

Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Washington?
Should I put collision coverage on all my vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
Should I file a claim if it's only slightly more than my deductible?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Save $429 a year? Really?

Washington drivers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all make the same claim about savings after switching to their company.

How can each company say the same thing?

All companies have a certain "appetite" for the driver that earns them a profit. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, a clean driving record, and has a short commute. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted higher prices which leads to business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That is how companies can truthfully make the claims of big savings. This emphasizes why drivers should get as many comparisons as possible. It's not possible to predict which company will fit your personal profile best.

Additional Washington consumer information

Even more information can be read at the Washington State Office of the Insurance Commissioner website. Washington drivers can find disaster information, file complaints about a company, learn about insurance regulations, and find a variety of consumer forms.

In the end, you save

Throughout this article, we presented some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from some of the lesser-known companies. Regional companies may cover specific market segments cheaper compared to the large companies like .

As you shop your coverage around, it's a bad idea to skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.