Top Ways to Save on Newport Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your savings account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Drivers have multiple to pick from, and even though it's nice to have a choice, it can be more challenging to compare rates.

It's important to compare prices on a regular basis because prices are constantly changing. Even if you got the best deal two years ago you may be paying too much now. So ignore everything you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Finding affordable coverage in Newport is easy if you know what you're doing. If you currently have car insurance, you will most likely be able to save some money using this information. But Washington consumers do need to know the way companies price insurance differently and take advantage of how the system works.

Newport Auto Insurance Prices Online

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You could spend your day driving to insurance companies in Newport, or you could use the web to get prices fast.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is you can't choose which companies to receive prices from. So if you want to choose individual companies to compare prices, we have a page of companies who write auto insurance in Washington. Click to view list.

It's up to you which method you use, but ensure you are comparing identical information on every quote you get. If your comparisons have higher or lower deductibles then you won't be able to determine which rate is truly the best in Newport. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find the best price.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting rates.

Older drivers save more - Youthful drivers in Washington are known to be more careless when driving so they pay higher auto insurance rates. Having to add a young driver to your auto insurance policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
Pay less if you're married - Being married can get you a discount on your policy. It means you're more mature than a single person and statistics show married drivers get in fewer accidents.
Your location is important - Residing in a small town can be a good thing when talking about auto insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
Where do you drive? - Driving more miles in a year's time the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance coverage shows the proper vehicle usage, because it can save money.
Add-on coverages can add up - There are a ton of add-on coverages that you can buy when buying auto insurance. Coverages for vanishing deductibles, towing coverage and term life insurance may be costing you every month. They may seem like a good idea initially, but if they're wasting money eliminate them to save money.
Performance makes a difference - The performance of the vehicle you own makes a huge difference in determining your rates. The lowest base rates tend to be for lower performance four cylinder passenger cars, but other factors influence the final cost greatly.

Be sure to get all your discounts

Companies that sell car insurance do not list all their discounts very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.

College Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Accident Waiver - Certain companies allow you one accident without raising rates as long as you don't have any claims for a certain period of time.
Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Drive Less and Save - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.
Drivers Education - Require your teen driver to complete a driver education course if it's offered in school.
Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
Good Student Discount - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.

Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free auto insurance policy, companies don't profit that way.

For a list of companies who offer auto insurance discounts in Washington, click here to view.

More detailed Washington auto insurance information is available at the Washington State Office of the Insurance Commissioner website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, view agent and company licensing information, and file complaints about an insurance agent or broker.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Newport.

Do the work, save more money

When buying insurance coverage, make sure you don't reduce needed coverages to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.

Discount auto insurance can be purchased both online and also from your neighborhood Newport agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

We covered some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like .