Car Insurance in Lynnwood, WA - 5 Tricks to Save Money

Beginners to buying insurance online might discover purchasing affordable Lynnwood car insurance nearly impossible.

Be sure to get all your discounts

Companies don't list every discount in an easy-to-find place, so we break down some of the more common and the harder-to-find ways to save on car insurance.

Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Driver Safety - Completing a driver safety course can save you 5% or more if you qualify.
Multiple Policy Discount - If you have multiple policies with one company you may earn up to 20% off your total premium.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.

For example, these questions might point out whether or not you may require specific advice.

Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Do I really need UM/UIM coverage?
Am I covered when driving in Canada or Mexico?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim about savings after switching to their company. How do they all make the same claim? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. For example, a driver they prefer could be over the age of 50, owns a home, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be quoted more money which leads to business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully state the savings. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which company will have the lowest rates.

For more Washington car insurance information

Even more information can be found at the Washington State Office of the Insurance Commissioner website. Consumers can download brochures, find out industry alerts, and file complaints about an insurance agent or broker.

Do the work, save more money

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, delays in paying claims and even questionable increases in premium. Regardless of your reason, switching car insurance companies is less work than it seems.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheaper car insurance can be purchased from both online companies and also from your neighborhood Lynnwood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.