Easy Tips to Pay Less on Duvall Auto Insurance

Buying affordable Duvall auto insurance over the internet may be rather challenging for consumers new to online price comaprisons. Because there are so many insurers to choose from, how can consumers effectively compare the different rates to find the lowest price?

It's important to compare prices on a regular basis since insurance rates are constantly changing. Just because you had the lowest rates a few years ago you will most likely find a better rate today. Starting right now, ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Finding affordable coverage in Duvall is not that difficult. But Washington vehicle owners do need to know the way insurance companies sell insurance online and use this information to your advantage.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be manually applied before being credited.

  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Accident Waiver - A handful of insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Seat Belts Save - Drivers who require all occupants to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • No Accidents - Drivers who don't have accidents can save substantially compared to drivers who are more careless.
  • Own a Home - Being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Service Members Pay Less - Being on active duty in the military could mean lower rates.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
  • Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Resident Student - Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will reduce your premiums.

Duvall auto insurance quote

Switch companies and save? Really?

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise that you'll save big if you switch to their company. How can each company say the same thing?

All companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be profiled as a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications receives the best rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be charged higher prices and ends up with business not being written. Company advertisements say "people who switch" not "everyone that quotes" save that much. This is how companies can advertise the way they do.

That is why you should get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.

For more Washington auto insurance information

Much more information about auto insurance in Washington can be found on the Washington State Office of the Insurance Commissioner website through this link. Washington drivers can read consumer alerts, learn about insurance regulations, and find out industry alerts.

Affordable insurance is out there

When shopping online for auto insurance, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Budget-conscious auto insurance is available on the web and also from your neighborhood Duvall agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a company that doesn't do a lot of advertising.