Find Cheap Lacrosse Auto Insurance

Buying affordable Lacrosse auto insurance online can be somewhat difficult for beginners to buying insurance online. With so many choices of companies competing online, how can consumers possibly compare every one to find the lowest price?

It's important to check auto insurance prices on a regular basis because prices are constantly changing. Even if you got the best deal a few years ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

What determines how much you pay?

Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that can help you get lower auto insurance prices.

  • Consolidate policies to earn discounts - Most insurance companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount, it's still a good idea to comparison shop to make sure you are getting the best deal.
  • Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that women are better drivers. Women and men tend to get into accidents at about the same rate, but men cause more damage. Men also get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
  • Being married is a good thing - Being married can actually save you money on auto insurance. Marriage is viewed as being more mature and statistics show married drivers get in fewer accidents.
  • Cautious drivers pay less - Good drivers get better rates than bad drivers. Even a single speeding ticket can increase rates by as much as thirty percent. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Teen drivers pay high rates - Youthful drivers in Washington are statistically proven to be less responsible when driving so they pay higher auto insurance rates. Adding a young driver to your policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be collision with another vehicle, damage caused by hail, and windstorm damage. The deductibles are the amount of money you are willing to pay if you file a covered claim. The more money you're willing to pay, the bigger discount you will receive.

Lacrosse auto insurance quote

How to Lower Your Auto Insurance Cost in Lacrosse, Washington

Reducing your insurance rates is actually quite simple. Just take a few minutes comparing rates from different insurance companies. This can be done in several different ways.

  1. The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quotes for every auto insurance company. One form submission compares rates instantly. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to compare rate quotes is going to the website for each individual company and request a quote. For example, let's say you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Lacrosse, click here.
  3. The most time-consuming way to compare rates is to spend time driving to insurance agents' offices. The internet eliminates the need for an insurance agent unless you want the professional advice of a local agent. It is possible to find lower rates online and still use a local agent. We'll cover that shortly.

However you get your quotes, ensure you are comparing identical coverage limits and deductibles with every price quote. If you have different liability limits you can't possibly find the best deal in Lacrosse.

Take advantage of discounts

Car insurance is not cheap, but there are discounts available that many people don't even know exist. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you're not getting every credit you deserve, you are paying more than you should be.

  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Accident Waiver - Certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • E-sign - Certain companies may give you up to $50 just for signing your application over the internet.
  • Good Student Discount - This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Resident Student - Youth drivers who live away from home and do not have a car may qualify for this discount.

It's important to note that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck. But any discount will bring down your overall premium however.

To choose providers offering auto insurance discounts in Washington, click here.

Are auto insurance companies telling the truth?

Consumers in Washington can't ignore all the ads for car insurance savings by companies like Allstate and Progressive. All the ads have a common claim that you can save if you switch to them.

How does each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. An example of a preferred risk might be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be charged a more expensive rate and this can result in the customer not buying. The ads say "customers who switch" not "people who quote" save money. This is how insurance companies can advertise the way they do.

That is why you need to compare as many rates as you can. It's impossible to know which insurance companies will provide you with the cheapest rates.

More information is available on the Washington State Office of the Insurance Commissioner website found here. Visitors are able to read consumer alerts, learn about insurance regulations, and get help finding coverage.

A tidy conclusion

When shopping online for auto insurance, never reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Lower-priced auto insurance can be found both online and with local Lacrosse insurance agents, so compare prices from both to have the best rate selection. Some auto insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

We covered a lot of techniques to compare auto insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small mutual company.