Top 6 Ways to Save Money on Car Insurance in Colfax
Shopping for the lowest cost Colfax car insurance over the internet can be intimidating for consumers new to price shopping online. Since there are so many insurers available, how can you have a chance to compare the different rates to find the best available rates?
These six discounts can lower your rates
Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked for prior to getting the savings.
- No Accidents - Drivers who don't have accidents can earn big discounts when compared to drivers who are more careless.
- Paperwork-free - Certain companies will give a small break just for signing your application on their website.
- Low Mileage Discounts - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
- Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
- Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Own a Home - Simply owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
It's important to note that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like it's possible to get free car insurance, you're out of luck. But any discount will cut the cost of coverage.
Are you falling for claims of savings?
Car insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all make an identical promise that you can save if you change to their company. How do they all make the same claim?
All companies have a preferred profile for the driver that earns them a profit. An example of a driver they prefer could be a mature driver, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.
Potential customers who are not a match for the "perfect" profile will be quoted a higher premium and ends up with business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save that much. This is how insurance companies can claim big savings.
This emphasizes why drivers should quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.
More information is available on the Washington State Office of the Insurance Commissioner website through this link. Consumers can read industry bulletins, get help finding coverage, and find disaster information.
Affordable insurance is out there
People leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, delays in responding to claim requests and even lack of trust in their agent. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.
Lower-priced car insurance is attainable from both online companies and also from your neighborhood Colfax agents, and you need to price shop both to have the best rate selection. A few companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.
When trying to cut insurance costs, never skimp on coverage in order to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.
