Free Guide to Spending Less for Odessa Auto Insurance Online

Having to pay for overpriced auto insurance can dwindle your savings account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Numerous battle for your business, and because of this it can be hard to compare and uncover the absolute lowest price

It's important to compare prices quite often because prices are constantly changing. Even if you got the lowest price two years ago you may be paying too much now. There is a lot of bad information regarding auto insurance online but we're going to give you some great ways to slash your auto insurance rates.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Odessa is quite easy. Nevertheless, Washington consumers do need to know the way companies price insurance differently because it can help you find the best coverage.

How to Buy Odessa Auto Insurance Online

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You could spend your day discussing policy coverages with insurance companies in Odessa, or you can utilize the web to accomplish the same thing much quicker.

All the larger companies enroll in a system that enables customers to only type in their quote data once, and every company can provide price quotes based on the submitted data. This saves time by eliminating quotation requests to each individual auto insurance company.

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

The single downside to using this type of form is you can't choose which companies you will receive quotes from. So if you want to choose from a list of companies to compare prices, we have a listing of low cost auto insurance companies in Washington. Click to view list.

It's up to you which method you use, but make darn sure you compare the exact same information for every company. If you enter higher or lower deductibles it will be impossible to decipher which rate is best in Odessa. Quoting even small variations in coverage limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes will enable you to 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. Understanding what determines base rates enables informed choices that can help you get much lower annual insurance costs.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

Cautious drivers pay less - Careful drivers receive lower rates compared to drivers with tickets. Even one citation can boost insurance rates by as much as thirty percent. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Older drivers save more - More mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to get distracted easily when driving therefore auto insurance rates are much higher.
The more you drive the more you pay - Driving more miles in a year's time the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Protect yourself with liability coverage - Liability coverage is the protection in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
Pay less if you're married - Having a wife or husband can get you a discount on your policy. Marriage means you're more mature and responsible and it's statistically proven that married drivers get in fewer accidents.

Don't pay full price with these discounts

Auto insurance companies don't list every available discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using.

Good Student Discount - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Resident Student - Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Life Insurance - Larger companies have lower rates if you buy life insurance.
Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
E-sign - A few companies may give you up to $50 simply for signing on their website.
Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
Club Memberships - Being a member of certain professional organizations is a good way to get lower rates on your policy.

It's important to understand that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, it doesn't quite work that way.

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

Your personal situation dictates your coverage

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

Do I need to file an SR-22 for a DUI in Washington?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?
Does my personal policy cover me when driving my company car?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

More tips and info about auto insurance is located at the Washington State Office of the Insurance Commissioner website. Visitors are able to file complaints about a company, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Do the work, save more money

We covered some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from an unexpected company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as .

When buying insurance coverage, never reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Low-cost auto insurance can be purchased both online and also from your neighborhood Odessa agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.