6 Ways to Save on Car Insurance in Kettle Falls

Beginners to buying insurance online will discover finding affordable Kettle Falls car insurance nearly impossible.

It's important to compare rates occasionally since rates are constantly changing. Despite the fact that you may have had the lowest price last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to save money.

Be sure to get all your discounts

Car insurance is not cheap, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few must be asked for prior to getting the savings. If you're not getting every credit you qualify for, you're paying more than you need to.

Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Resident Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
E-sign - Certain companies will give a small break for buying your policy over the internet.
Accident Forgiveness - Certain companies permit an accident before raising your premiums if you are claim-free prior to the accident.
Low Mileage - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of providers who offer car insurance discounts in Washington, follow this link.

Automobile Insurance Quotes in Kettle Falls, WA

There are several ways to shop for car insurance, and some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in Kettle Falls, or you can utilize the web to achieve your goal.

Many insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company can give them a price for coverage. This eliminates the need for quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The single downside to comparing rates this way is you are unable to specify which carriers you want to price. If you would rather choose specific providers to compare rates, we put together a list of low cost car insurance companies in Washington. Click to view list.

It doesn't matter which method you choose, just make absolute certain that you use identical coverage information on every quote you get. If you use unequal deductibles or liability limits it will be impossible to determine which rate is truly the best in Kettle Falls.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

For example, these questions might point out whether or not you would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need PIP (personal injury protection) coverage in Washington?
Why does it cost so much to insure a teen driver in Kettle Falls?
Does my policy cover me when driving someone else's vehicle?
When does my teenage driver need to be added to my policy?
Does my liability insurance cover pulling a trailer or camper?
I have good health insurance, so how much medical payments coverage do I need?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Is there truth in advertising?

Consumers can't get away from ads for cheaper car insurance by Allstate and Progressive. All the ads say the same thing about savings after switching to their company.

How does each company make the same claim?

All companies have a certain "appetite" for the driver that is profitable for them. For instance, a preferred risk could be a mature driver, owns a home, and has great credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be charged a higher premium which usually ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the savings.

That is why drivers must quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

And the best car insurance company is...

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, an insured cut collision coverage and learned later that the small savings ended up costing them much more. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Cheaper car insurance can be bought from both online companies and also from your neighborhood Kettle Falls agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

You just learned a lot of tips how to compare car insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with an unexpected company.

Additional information is located on the Washington State Office of the Insurance Commissioner website through this link. Consumers can find out industry alerts, read consumer alerts, and read enforcement actions against agents and companies.