Car Insurance in Dupont - 6 Discounts You Might be Losing Out On

Are you overwhelmed by the number of car insurance choices in Dupont? Many other drivers are as well. Drivers have so many options that it can turn into a big hassle to find the best price.

It's important to get comparison quotes at least once a year since rates are constantly changing. Even if you got the best deal six months ago you will most likely find a better rate today. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to save on car insurance.

Buying car insurance in Dupont is not that difficult. If you currently have car insurance, you should be able to save some money using these methods. Although Washington car owners do need to know the way insurance companies price online insurance and take advantage of how the system works.

Take advantage of discounts

Companies do not advertise every available discount very well, so here is a list some of the more common as well as the least known ways to save on car insurance.

  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Defensive Driver - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Multi-policy Discount - If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Seat Belts Save more than Lives - Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

Washington car insurance

Are car insurance companies telling the truth?

Companies like State Farm and Allstate constantly bombard you with ads on TV and radio. All the ads make the same claim about savings if you switch your policy. But how can every company make the same claim?

Different companies are able to cherry pick for the right customer that earns them a profit. An example of a preferred risk could be a mature driver, has no tickets, and has a high credit rating. Any new insured who matches those parameters is entitled to the best price and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile will be charged a higher premium which leads to business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That's the way companies can truthfully state the savings. That is why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

Even more information is available at the Washington State Office of the Insurance Commissioner website. Consumers can file complaints about a company, discover disciplinary actions, and find out industry alerts.

Also read more on NAIC.org's Understanding your Policy and this directory of Dupont insurance agents.

car insurance in Dupont

Shop smart and save

You just learned many ideas to reduce car insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies.

The cheapest car insurance can be found from both online companies in addition to many Dupont insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.