Proven Techniques to Save on Lopez Island Car Insurance

No one in their right mind enjoys paying for car insurance, particularly when they are paying too much.

With consumers having so many options when it comes to car insurance, it's difficult to choose the lowest price company.

Finding the best rates in Lopez Island is quite easy. If you currently have car insurance, you should be able to save some money using this strategy. Nevertheless, Washington consumers do need to know how companies market insurance on the web and take advantage of how the system works.

Are you getting all your discounts?

Companies don't necessarily list every discount very well, so here is a list both the well known and also the lesser-known ways to save on car insurance.

  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more depending on where you live.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
  • Senior Citizens - Older drivers may receive a discount up to 10%.
  • No Claims - Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Paperwork-free - Some insurance companies may give you up to $50 simply for signing online.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it doesn't quite work that way.

For a list of insurance companies with discount car insurance rates in Washington, click this link.

Finding Car Insurance Deals in Lopez Island, WA

Most major insurance companies quote insurance quotes directly from their websites. Obtaining pricing doesn't take much effort as you simply type in your coverage preferences as detailed in the form. Once entered, the system will obtain your credit score and driving record and returns a price quote based on these and other factors. This makes it a lot easier to compare rates but the time required to go to different websites and type in the same information is not the best way to spend an afternoon. But it's very important to have as many quotes as possible if you are searching for the best price on car insurance.

A more efficient way to get multiple rate quotes makes use of a single form to obtain quotes from more than one company. The form is fast, reduces the work, and makes online shopping much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any or none of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. It takes just a few minutes to complete and can result in significant savings.

In order to find out if lower rates are available, click here to open in new window and enter your information. If you have a policy now, it's recommended you duplicate the coverage information exactly as they are listed on your policy. This helps ensure you will be getting a price comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions might point out whether you would benefit from an agent's advice.

  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Washington?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Final considerations

As you go through the steps to switch your coverage, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

Low-cost car insurance is attainable both online in addition to many Lopez Island insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not provide online quoting and these smaller companies work with independent agents.