Tightwads Guide to Saving on Gig Harbor Auto Insurance

Scraping up a payment for overpriced auto insurance can overdraw your savings account and put a big crunch on your finances. Doing a price comparison is a great way to slash your bill and have more diposable income. Having so many different company options, it's nearly impossible to pick the cheapest provider.

It's important to shop coverage around yearly because prices are constantly changing. Just because you found the lowest rates a year ago other companies may now be cheaper. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.

This article will teach you how to get online quotes and some tricks to saving. If you have car insurance now, you will be able to lower your premiums substantially using this information. Washington vehicle owners just need to know the proper way to compare rates over the internet.

How to Get Cheap Auto Insurance in Gig Harbor, WA

Lowering your auto insurance rates is surprisingly easy. Consumers just need to take the time to get quotes from different insurance companies. This can be accomplished using a couple different methods.

  • The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for every auto insurance company. A single, simple form gets you price quotes from multiple companies.
  • A more difficult way to shop for auto insurance online requires visiting the website for each individual company to complete their respective quote request forms. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Gig Harbor, click here.
  • The most time-consuming way to get comparison rates is driving around to local Gig Harbor insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the personal advice of a local Gig Harbor agent. It is possible to get prices online but buy from a local insurance agent. We'll cover that shortly.

However you get your quotes, make sure you use apples-to-apples quote information on every quote you get. If you are comparing mixed coverages you will not be able to determine which rate is truly the best in Gig Harbor.

Gig Harbor auto insurance quote

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every insured's situation is different and your policy should reflect that. For example, these questions can help discover whether your personal situation would benefit from an agent's advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in Washington?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

In the end, you save

While you're price shopping online, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Discount auto insurance can be sourced online as well as from independent agents in Gig Harbor, so you should compare both to have the best selection. Some companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

You just read a lot of techniques to shop for auto insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a lesser-known regional company. They may often insure only within specific states and give getter rates compared to the large companies like .