Free Guide to Cutting Costs on Lake Stevens Auto Insurance Online

Expensive auto insurance can empty your savings account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Online insurance companies like GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

Where Can I Get Cheap Lake Stevens Auto Insurance?

Most major insurance companies provide coverage price quotes on the web. This process is fairly simple as you just enter your required coverages as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and generates pricing information based on many factors. Online quotes streamlines rate comparisons, but the time it takes to visit each company's website and repetitively complete many quote forms can be a bit repetitive. But it's very important to get many rate quotes if you want to find the best price on auto insurance.

Quote rates the easy way

A less time-consuming method to compare auto insurance pricing uses one form that gets prices from several different companies. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you can choose your choice of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and submit the form. If you currently have coverage, we recommend you copy the insurance coverages identical to your current policy. This way, you will have comparison quotes based on similar coverages.

Tips to Get Lower Lake Stevens Rates

It's important that you understand the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in big savings.

Little extras can really add up - There are many add-on coverages that you can get tricked into buying when buying auto insurance. Insurance for rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.
Big city or small town - Residing in less populated areas is a positive aspect when talking about auto insurance. Fewer drivers means a lower chance of having an accident. City drivers have more traffic problems and longer commute times. More time commuting can result in more accidents.
High credit ratings translate to low rates - A driver's credit score is a large factor in determining what you pay for auto insurance. If your credit score is lower than you'd like, you could be paying less to insure your by improving your credit score. People with excellent credit tend to be more responsible than drivers who have poor credit.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as lawyers, business owners and dentists have the highest average rates attributed to high stress levels and lots of time spent at work. Other occupations such as pilots, historians and homemakers get better rates.
Pay less if you're married - Having a spouse can actually save you money on your policy. Having a spouse translates into being more responsible and it's statistically proven that married drivers get in fewer accidents.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to getting the savings. If you aren't receiving every discount you deserve, you're just leaving money on the table.

Defensive Driver - Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
Auto/Home Discount - When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
Claim Free - Drivers who don't have accidents can save substantially when compared with frequent claim filers.
Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy digitally online.
Government Employees - Simply working for the federal government may qualify you for a discount depending on your company.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will reduce the cost of coverage.

For a list of insurers offering auto insurance discounts in Lake Stevens, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions can help discover whether you would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my personal policy cover me when driving my company car?
Should I have combined single limit or split liability limits?
Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

Additional information can be found on the website for the Washington State Office of the Insurance Commissioner through this link. Visitors are able to discover disciplinary actions, view agent and company licensing information, find out industry alerts, and read industry bulletins.

In the end, you save

Cheap auto insurance is available both online as well as from independent agents in Lake Stevens, and you need to price shop both to have the best rate selection. A few companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We covered some good ideas how you can lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with a company that doesn't do a lot of advertising. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as .