6 Tips Guaranteed to Save Money on Car Insurance Costs in Naselle, WA
Are you overwhelmed by the crazy number of car insurance companies in Naselle? You're not the only one! People have so many choices that it can turn into a real hassle to locate the lowest price.
It's important to do rate comparisons at least once a year since rates are constantly changing. If you had the best price two years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to find out the fastest and easiest way to properly buy coverages while reducing your premium.
Compare the Market for Car Insurance in Naselle
Shopping for lower car insurance rates can take hours if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Naselle, or you could use the web to get rates in a matter of minutes.
Most of the larger companies take part in a program that enables customers to submit one quote, and each company can provide price quotes based on that data. This eliminates the need for quote forms to each individual car insurance company.
To submit your quote information now, click here to open in new window.
One minor caviat to comparing rates this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to select individual companies to request quotes from, we put together a list of companies who write car insurance in Washington. View list of Washington insurance companies.
It doesn't matter which method you choose, just compare exactly the same coverages on every quote you get. If you have different limits and deductibles on each one you can't possibly determine which rate is truly the best in Naselle.
Don't pay full price with these six discounts
Car insurance can cost a lot, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for prior to getting the savings. If you aren't receiving every discount possible, you are paying more than you should be.
- Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Military Rewards - Having a deployed family member can result in better rates.
- Accident Free - Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Resident Student - Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will reduce your premiums.
To choose providers with the best car insurance discounts in Naselle, follow this link.
The car insurance bait and switch
Consumers can't ignore all the ads that promise big savings by companies like State Farm and Allstate. All the ads say the same thing about savings if you move to them.
How can each company make the same claim? It's all in the numbers.
Different companies are able to cherry pick for the type of driver that makes them money. For example, a preferred risk could be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any new insured who fits that profile will get very good rates and therefore will save when they switch companies.
Potential customers who don't measure up to the requirements will be charged a higher premium which usually ends up with business going elsewhere. The ads say "customers who switch" not "everyone that quotes" save money. That's the way companies can truthfully state the savings.
That is why you need to quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.
Additional information can be found on the Washington State Office of the Insurance Commissioner website found here. Consumers can file complaints about a company, find disaster information, and read industry bulletins.
A tidy conclusion
You just learned a lot of tips how to compare car insurance prices online. The key concept to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from a small mutual company.
Cheap car insurance is definitely available from both online companies and with local Naselle insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Consumers who switch companies do it for a variety of reasons including poor customer service, delays in responding to claim requests, high rates after DUI convictions or even unfair underwriting practices. Regardless of your reason, finding a new car insurance company is easier than you think.
