Best Way to Find Low-Cost Grandview Car Insurance

Are you overwhelmed by the crazy number of car insurance options in Grandview? Many other consumers are too. People have so many options available that it can turn into a big hassle to compare prices.

Quick Grandview Car Insurance Quotes

Shopping for lower car insurance rates can take time and effort if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Grandview, or you can utilize online quotes for quick rates.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify which companies to get quotes from. So if you want to select specific insurance companies to compare, we put together a list of low cost car insurance companies in Washington. View list of Washington insurance companies.

It's up to you which method you use, but compare apples-to-apples coverages for each price quote. If you have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate in Grandview. Quoting even small variations in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting lower pricing.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to big savings.

  • Rates may be higher depending on your occupation - Careers like lawyers, business owners and stock brokers tend to have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, occupations like actors, students and the unemployed receive lower rates.
  • Safer cars are cheaper to insure - Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and fewer injuries means lower claim amounts passed on to you as lower rates.
  • High numbers of claims are not good - If you are a frequent claim filer, you can pretty much guarantee higher rates. Companies in Washington award discounts to insureds who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • What type of vehicle do you drive? - The performance level of the vehicle you are buying insurance for makes a big difference in determining your rates. The most favorable rates are generally reserved for low performance passenger cars, but the cost you end up paying is determined by many additional factors.
  • How's your driving record? - A bad driving record has a big impact on rates. Careful drivers receive lower rates than people who have multiple driving citations. Even one moving violation can boost insurance rates forty percent or more. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Pay less if you're married - Having a spouse actually saves money on your policy. Having a significant other means you're more responsible and it's statistically proven that being married results in fewer claims.
  • Do you need the policy add-ons? - There are a lot of extra coverages that can waste your money on your policy. Things like vanishing deductibles, accident forgiveness and term life insurance may be costing you every month. These may sound like a good investment at first, but if they're wasting money remove them from your policy.

How much can you save with discounts?

Companies offering auto insurance do not list every discount very well, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Sign Early and Save - A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Paperwork-free - A handful of insurance companies will give a small break for buying your policy online.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous.

For a list of insurance companies with the best car insurance discounts in Washington, click here to view.

Even more information can be found at the Washington State Office of the Insurance Commissioner website. Consumers can read industry bulletins, find disaster information, and download brochures.

Other useful links include this online resource for car insurance quotes in Washington and this list of insurance agents in Grandview.

car insurance in Grandview

Do the work, save more money

People who switch companies do it for many reasons like high rates after DUI convictions, delays in responding to claim requests, extreme rates for teen drivers and high prices. It doesn't matter what your reason, finding the right car insurance provider is not as hard as you think.

Cheap car insurance is definitely available from both online companies and also from your neighborhood Grandview agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

We just showed you some good ideas how you can lower your car insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with a company that doesn't do a lot of advertising.