Lower Online Everett Auto Insurance Prices With These Techniques

Comparing Everett auto insurance rates online can seem complicated if you have never used quoting online. But relax because finding affordable coverage online is easier than you think.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that help determine auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the items that factor into prices.

  • Save money with special equipment - Owning a car with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Better credit scores mean better rates - Having a bad credit history is a important factor in determining your rates. If your credit is not that good, you could save money insuring your by repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores.
  • Pleasure use saves money - Driving more miles each year the higher your rate. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your auto insurance coverage is showing the proper vehicle usage.
  • Better crash test results mean better rates - Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.

compare Everett auto insurance rates

Automobile Insurance Quotes in Everett, WA

The are a couple different ways of comparing rate quotes from different Everett insurance companies. One of the best ways to find the cheapest insurance rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The fastest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quotes for each company you want a rate for. A single form gets rate comparisons instantly. It's the fastest way to compare.
  2. A less efficient way to shop for auto insurance online is spending the time to visit the website of each company to complete a price quote. For instance, we'll pretend you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in Everett, click here.

It's up to you which method you use, but make absolute certain that you use the exact same information with each company. If you are comparing higher or lower deductibles it will be impossible to make an equal comparison in Everett. Quoting even small variations in coverages may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices will increase your chances of finding the best price.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
  • Low Mileage Discounts - Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
  • Federal Employees - Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren't that generous.

To choose insurance companies who offer auto insurance discounts in Everett, click here to view.

Save $429 a year? Really?

Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make an identical promise about savings after switching your policy. How do they all say the same thing?

Insurance companies have a certain "appetite" for the right customer that makes them money. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money and ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the way they do. This emphasizes why you need to get as many quotes as possible. It's not possible to predict which company will provide you with the cheapest rates.

Insurance agents can help

When buying coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different.

For example, these questions might point out whether your personal situation might need an agent's assistance.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I wreck a rental car?

If you're not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Even more information can be read at the Washington State Office of the Insurance Commissioner website. Washington drivers can view a list of available companies, find out industry alerts, and file complaints about an insurance agent or broker.

Everett auto insurance quote

Shop smart and save

People change insurance companies for a number of reasons such as unfair underwriting practices, policy cancellation, delays in paying claims or even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is easier than you think.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many situations where an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Cheap auto insurance can be purchased on the web in addition to many Everett insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and these small insurance companies work with independent agents.