Find Low-Cost Clyde Hill Auto Insurance

Are you overwhelmed by the crazy number of auto insurance options in Clyde Hill? Lot's of other consumers are too. Drivers have so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price.

It's important to price shop coverage at least once a year because insurance rates are constantly changing. Even if you think you had the best price a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you're about to learn how to quote online to find great coverage at a great price.

This article will tell you how to effectively get price quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Washington consumers only need to know the most efficient way to compare company rates on the web.

How to Compare Clyde Hill Auto Insurance Costs

There are several ways to compare auto insurance prices and some are easier and takes less work. You could spend your day talking to insurance companies in Clyde Hill, or you can utilize online quoting for quick rates.

All the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company then gives them pricing for coverage. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to pricing coverage this way is you can't choose which companies you want pricing from. So if you want to select specific providers to compare prices, we put together a list of low cost auto insurance companies in Washington. Click here to view list.

It doesn't matter which method you choose, just compare apples-to-apples coverage limits with every price quote. If you use differing limits it will be next to impossible to find the best deal in Clyde Hill.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

Shown below are a few of the "ingredients" that factor into rates.

  • Your spouse saves you money - Having a spouse helps lower the price when buying auto insurance. It usually means you are more responsible and it's statistically proven that being married results in fewer claims.
  • Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Extra coverages can waste money - There are quite a few extra coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
  • Traffic violations increase rates - Your driving citation history has a big impact on rates. Just one moving violation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Better credit scores mean better rates - Credit score is a large factor in calculating your auto insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores. If your credit history is low, you could be paying less to insure your by improving your rating.
  • Older drivers save more - Teen drivers in Washington have a tendency to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings. If you don't get every credit possible, you're just leaving money on the table.

  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy online.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • College Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

For a list of companies with discount auto insurance rates in Washington, follow this link.

Additional information can be found on the Washington State Office of the Insurance Commissioner website through this link. Washington consumers can get help finding coverage, find disaster information, and discover disciplinary actions.

Other useful links include this page for Washington auto insurance and see this list of insurance agents in Clyde Hill.

auto insurance in Clyde Hill

And the best car insurance company is...

The cheapest auto insurance is attainable online in addition to many Clyde Hill insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

In this article, we presented a lot of tips how to lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising.

Consumers leave their current company for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, questionable increases in premium and poor customer service. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.