Free Guide to Cutting Costs on Ferndale Auto Insurance Online

Tired of not being able to afford each month for car insurance? You are no different than many other drivers in Washington. Numerous battle for your business, so it's not easy to compare every to discover the definitive lowest price

If you have a current auto insurance policy or need a new policy, you can use these techniques to find better prices while maintaining coverages. Finding the best rates in Ferndale is easy if you know what you're doing. Washington vehicle owners just need to know the most effective way to buy auto insurance over the internet.

Compare the Market for Auto Insurance in Ferndale

Most major insurance companies such as Progressive, Allstate and GEICO give prices online. This process is quite easy as you simply type in the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain information on your driving record and credit history and quotes a price based on these and other factors. Quoting online simplifies rate comparisons, but having to visit multiple sites and complete many quote forms can be a bit repetitive. But it's very important to have as many quotes as possible in order to get the best price on auto insurance.

A less time-consuming method to find cheaper rates uses one form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes a lot less work. As soon as the form is sent, your coverage is rated and you can select any of the returned quotes.

If you find a better price it's easy to complete the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended you enter identical to your current policy. This way, you will have a rate comparison based on similar coverages.

You have some control over your rates

It's important that you understand the different types of things that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to lower auto insurance prices.

The following are some of the factors auto insurance companies consider when setting prices.

  • Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, business owners and accountants tend to have higher rates than average due to stressful work requirements and lengthy work days. On the flip side, occupations such as farmers, athletes and performers receive lower rates.
  • Lower rates with optional equipment - Driving a car with a theft deterrent system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Where do you drive? - Driving more miles every year the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your auto insurance coverage is showing the proper vehicle usage, because it can save money.
  • Liability coverage is peace of mind - Liability coverage will protect you when you are found liable for causing damage or personal injury in an accident. Liability provides legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Pay less after the wedding - Being married can get you a discount on your policy. Having a significant other means you're more mature than a single person and statistics show drivers who are married are more cautious.
  • Your location is important - Being located in a rural area can save you money when talking about auto insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Washington cities have traffic congestion and much longer commute distances. More time commuting can result in more accidents.
  • How credit affects auto insurance rates - Having a bad credit history is a big factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some must be specially asked for in order for you to get them. If they aren't giving you every credit available, you're just leaving money on the table.

  • No Accidents - Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • One Accident Forgiven - A few companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Multiple Policy Discount - When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Passive Restraints - Cars that have air bags can get savings of more than 20%.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.

Consumers should know that most discounts do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way. But all discounts will cut the cost of coverage.

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

Much more information about auto insurance in Washington is available on the website for the Washington State Office of the Insurance Commissioner found here. Visitors are able to read industry bulletins, view a list of available companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

compare Ferndale auto insurance rates

In the end, you save

When buying insurance coverage, never reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Discount auto insurance can be purchased both online and also from your neighborhood Ferndale agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and these smaller companies work with independent agents.