Best Way to Find Cheaper Dayton Auto Insurance

Are you intimidated by the number of auto insurance choices in Dayton? Many other drivers are as well. People have so many options available that it can turn into more work than you anticipated to find lower rates.

If you have insurance now or need a new policy, you can learn to find the best rates while maximizing coverage. The purpose of this post is to help educate you on how car insurance quotes work. Washington vehicle owners just need to know the most efficient way to get comparison quotes online.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be applied at the time of quoting, but some must be asked about before you will receive the discount. If they aren't giving you every credit possible, you are throwing money away.

Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
Theft Prevention System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Low Mileage Discounts - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
Multiple Policy Discount - If you have multiple policies with the same company you may save approximately 10% to 15%.
Senior Discount - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
New Vehicle Savings - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
Lower Rates for Military - Having a deployed family member could mean lower rates.
Early Signing - Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will cut your overall premium however.

Are auto insurance companies telling the truth?

Washington drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all say the same thing that you'll save big if you switch your coverage to them.

How do they all say the same thing?

All the different companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money which usually ends up with business not being written. The ads say "customers that switch" not "people who quote" save that much money. That's the way companies can advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Learn more about Washington auto insurance

Much more information about auto insurance in Washington is available on the Washington State Office of the Insurance Commissioner website located here. Washington drivers can read industry bulletins, report car insurance fraud, and read consumer alerts.

And the best car insurance company is...

Consumers switch companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, policy non-renewal and even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Budget-conscious auto insurance can be found on the web as well as from independent agents in Dayton, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.