Best Way to Find the Cheapest Langley Auto Insurance

Price shopping your Langley auto insurance is nearly impossible for people who are new to buying insurance online. People have so many options available that it can quickly become a ton of work to find lower rates in Langley.

It's important to do rate comparisons once or twice a year because prices are constantly changing. Even if you got the lowest price a year ago you may be paying too much now. You'll find quite a bit of inaccurate information about auto insurance on the web, but I'm going to show you some great ways to slash your auto insurance rates.

If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Shopping for affordable protection in Langley is easy if you know what you're doing. Nevertheless, Washington drivers do need to know how insurance companies price insurance differently because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison in Langley

Most major insurance companies quote pricing on the web. This process is pretty easy as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, the company's rating system will obtain information on your driving record and credit history and generates pricing information.

Online quotes makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible if you are searching for better auto insurance pricing.

There is an easier way!

A less time-consuming method to find cheaper rates uses one form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is quoted and you can select your choice of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and can result in significant savings.

To find out what other companies charge, click here to open in new window and submit the form. If you have coverage now, it's recommended you complete the form with the coverages exactly as they are listed on your policy. This way, you are getting comparison quotes based on similar coverages.

Why some people pay less for insurance in Langley

It's important that you understand the factors that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with big savings.

Do men or women drive better? - The statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. They both are in accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Lower miles equals lower premium - Driving more miles every year the more you will pay for auto insurance. Most companies apply a rate determined by how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Do you have a high stress job? - Did you know that where you work can have an impact on rates? Jobs such as judges, social workers and dentists tend to pay the highest average rates in part from job stress and lots of time spent at work. Other occupations such as farmers, historians and performers have the lowest average rates.
Low deductibles can be expensive - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, vandalism, and rolling your vehicle. The deductibles are how much you are required to spend before your auto insurance pays a claim. The more you're willing to pay, the less your company will charge you for insurance.
How many coverages with the same company - Many insurance companies will give a discount to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, it's in your best interest to shop around to make sure you are getting the best deal. You may still find better rates by buying auto insurance from a different company.
Your credit rating is important - Credit history is a huge factor in your rate calculation. If your credit history is not that good, you could be paying less to insure your by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores.

These discounts can lower your rates

Car insurance companies don't always advertise all their discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

Save over 55 - Older drivers may be able to get reduced rates.
Payment Method - By paying your policy upfront rather than paying monthly you can actually save on your bill.
Discount for New Cars - Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
Accident Free - Claim-free drivers pay much less as compared to frequent claim filers.
Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.
Theft Prevention System - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
One Accident Forgiven - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.

It's important to understand that some credits don't apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it doesn't quite work that way.

For a list of companies who offer auto insurance discounts in Langley, click here.

More tips and info about auto insurance is located at the Washington State Office of the Insurance Commissioner website. Washington consumers can learn about insurance regulations, view a list of available companies, and file complaints about an insurance agent or broker.

Final considerations

While you're price shopping online, it's a bad idea to reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage and learned later they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

Drivers change insurance companies for any number of reasons including denial of a claim, unfair underwriting practices, delays in paying claims and high rates after DUI convictions. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.

Low-cost auto insurance can be purchased online and with local Langley insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.