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

Overpriced car insurance can empty your savings account and make it impossible to make ends meet. Shopping your coverage around is a smart way to help make ends meet. Numerous battle for your business, and because of this it can be hard to compare to find the lowest rate

Free Quotes for Car Insurance in Graham, Washington

Most major insurance companies such as Progressive, Allstate and GEICO allow you to get price estimates directly from their websites. The process is quite simple as you simply type in your coverage information as detailed in the form. Behind the scenes, their rating system will obtain credit information and your driving record and returns a price based on many factors. Online price quotes streamlines rate comparisons, but having to visit many different websites and complete many quote forms is repetitive and time-consuming. But it's very important to get many rate quotes in order to find better car insurance pricing.

A less time-consuming method to locate the lowest prices utilizes a single form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes quoting online a little more enjoyable. After sending your information, it is rated and you can select any of the returned quotes. If a lower price is quoted, it's easy to complete the application and buy the policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter the limits and deductibles as shown on your current policy. This way, you will receive a fair comparison based on similar coverages.

How to Lower your Car Insurance Rates

It's important that you understand some of the elements that help determine your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

The following are a few of the "ingredients" used by your company to calculate prices.

  • Do you have a high stress job? - Did you know your job can affect your rates? Careers like lawyers, architects and accountants have higher rates than average because of high stress and long work hours. On the flip side, occupations such as pilots, athletes and performers get better rates.
  • Older drivers save more - More mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Young drivers are known to be less responsible when driving therefore car insurance rates are much higher.
  • Pleasure use saves money - Driving more miles in a year's time the higher your rate. Almost all companies rate vehicles based on their usage. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your car insurance coverage is showing the proper vehicle usage.
  • Little extras can really add up - There are a ton of add-on coverages that can waste your money on your policy. Coverages like rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
  • How's your driving record? - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Just one speeding ticket can bump up the cost by as much as thirty percent. If you have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to keep their license.

These discounts can lower your rates

Auto insurance companies don't always publicize every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known car insurance savings. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Government Employees - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for Life Insurance - Some companies give lower rates if you buy life insurance from them.
  • Driver Safety - Taking a driver safety course could cut 5% off your bill depending on where you live.
  • Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Just because it seems like you could get a free car insurance policy, it just doesn't work that way.

For a list of insurance companies who offer car insurance discounts in Graham, follow this link.

Different people need different coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone's needs are different and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you might need an agent's assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

Additional detailed information can be found at the Washington State Office of the Insurance Commissioner website. Consumers can read industry bulletins, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and discover disciplinary actions.

Graham car insurance comparison

And the best car insurance company is...

As you prepare to switch companies, you should never reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Affordable car insurance can be purchased from both online companies as well as from independent agents in Graham, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online quoting and these regional insurance providers work with independent agents.