How to Know You're Spending Too Much for Car Insurance in Fircrest

Overpriced car insurance can dwindle your bank account and make it hard to pay other bills. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage yearly because rates are constantly changing. Even if you got the best rates a few years ago there may be better deals available now. There is too much inaccurate information about car insurance on the web, but we're going to give you some great ways to stop overpaying for insurance.

Washington car insurance

Be sure to get all your discounts

Car insurance can cost a lot, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied at quote time, but some may not be applied and must be manually applied in order for you to get them. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Multi-policy Discount - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • New Car Discount - Insuring a new car can save up to 30% since new cars are generally safer.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.

Keep in mind that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you can get free auto insurance, it just doesn't work that way. But any discount will bring down the amount you have to pay.

For a list of providers offering car insurance discounts in Washington, follow this link.

Where Can I Get Cheap Fircrest Car Insurance?

There are several ways to compare car insurance quotes, but some are less time-consuming than others. You can waste hours talking about coverages with insurance companies in Fircrest, or you can utilize online quoting to quickly compare rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and every company can provide price quotes determined by their information. This eliminates the need for quote requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is you can't choose the companies you will receive quotes from. If you wish to select specific providers to compare prices, we have assembled a list of low cost car insurance companies in Washington. Click here for list of insurance companies in Washington.

Which method you use is up to you, but make sure you use identical coverage limits and deductibles for every company. If your comparisons have different liability limits it will be next to impossible to decipher which rate is best in Fircrest.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there isn't really a best way to insure your cars. Each situation is unique and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you might need an agent's assistance.

  • Should I buy only the required Washington minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in Washington?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It's fast, free and can provide invaluable advice.

Best coverage at the best price

We just showed you a lot of information how to get a better price on car insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the lowest rates come from a company that doesn't do a lot of advertising. These companies can often insure niche markets at a lower cost compared to the large companies like .

As you shop your coverage around, it's very important that you do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.