Ephrata Auto Insurance For Less Than You're Paying Now

Are you intimidated by the number of auto insurance company choices in Ephrata? Many other drivers are as well. There are so many options that it can turn into more work than you anticipated to find better rates.

It's important to shop coverage around every six months since insurance rates are constantly changing. Even if you got the best deal a year ago there may be better deals available now. Starting now, block out anything you think you know about auto insurance because it's time to teach you the proper way to find better rates and still maintain coverage.

Finding the best rates in Ephrata is not that difficult. If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Washington consumers only need to know the most efficient way to shop for auto insurance over the internet.

Ephrata auto insurance quote

These discounts can lower your rates

Companies don't always publicize every available discount very well, so here is a list some of the best known as well as the least known savings tricks you should be using. If you don't get every credit possible, you're just leaving money on the table.

  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Multi-policy Discount - When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Driver's Ed - Require your teen driver to take driver's ed class if it's offered in school.
  • Driver Safety - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of providers who offer auto insurance discounts in Washington, click here to view.

How to Compare Auto Insurance in Ephrata, Washington

Most major insurance companies provide coverage price quotes on the web. Getting online quotes is fairly simple as you simply enter the coverages you want as detailed in the form. Once entered, their system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

This streamlines rate comparisons, but the process of having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better auto insurance pricing.

A more efficient way to lower your rates requires only one form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable. After your information is entered, it gets priced and you can select any or none of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the new coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and enter your information. If you have a policy now, it's recommended you complete the form with the insurance coverages as close as possible to your current policy. This helps ensure you will receive a fair comparison based on identical coverages.

In the end, you save

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

The cheapest auto insurance can be purchased on the web as well as from independent agents in Ephrata, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don't offer online quoting and many times these smaller companies only sell through independent insurance agents.

In this article, we covered some good ideas how you can get a better price on auto insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the least-expected company.