Easy Methods to Pay Less on Normandy Park Auto Insurance

Comparing Normandy Park auto insurance rates online can seem complicated if you've never compared online quoting. But relax because comparing prices is actually very simple.

Finding Auto Insurance Deals in Normandy Park, WA

Most major insurance companies such as Progressive, Allstate and GEICO provide coverage price quotes online. Getting online quotes doesn't take a lot of time as you simply type in your coverage preferences as detailed in the form. Behind the scenes, their system will obtain your driving record and credit report and returns a price.

Online price quotes makes it a lot easier to compare rates but having to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it's very important to compare as many rates as possible if you want to find better auto insurance pricing.

A less time-consuming method to get multiple rate quotes requires only one form to obtain quotes from many companies. The form is fast, requires less work, and makes online quotes a little more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick any of the returned quotes. If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To quickly find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend you enter coverages and limits identical to your current policy. This way, you will have a fair comparison based on similar coverages.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand some of the elements that play a part in calculating auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to lower auto insurance prices.

Shown below are a few of the "ingredients" that factor into prices.

An active claims history can cost you - Companies in Washington provide better rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
How many coverages with the same company - Some companies provide better rates to people who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to shop around to confirm you are receiving the best rates possible.
Liability coverage protects you - Your policy's liability coverage is the coverage that protects you when a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Safer cars are cheaper to insure - Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you.

These discounts can lower your rates

Car insurance companies do not advertise every discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known auto insurance savings. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

Federal Employees - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Club Memberships - Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance.
Military Discounts - Having a deployed family member could be rewarded with lower premiums.
No Claims - Good drivers with no accidents can save substantially when compared to frequent claim filers.
Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears it's possible to get free car insurance, auto insurance companies aren't that generous.

For a list of insurance companies with discount auto insurance rates in Normandy Park, follow this link.

Different people need different coverages

When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether you would benefit from professional advice.

Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Am I covered when delivering products for my home-based business?
What companies insure drivers after a DUI or DWI?
What can I do if my company won't pay a claim?
Should I file a claim if it's only slightly more than my deductible?

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form. It's fast, free and can help protect your family.

Even more information can be found at the Washington State Office of the Insurance Commissioner website. Washington drivers can download brochures, read consumer alerts, and find out which companies have the most complaints.

A tidy conclusion

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, policy cancellation, questionable increases in premium and delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

While you're price shopping online, you should never reduce needed coverages to save money. There are too many instances where an insured cut physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cheap auto insurance can be sourced on the web in addition to many Normandy Park insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide online quoting and these regional insurance providers work with independent agents.