Prosser Car Insurance For Less Than You're Paying Now

Shopping for the lowest cost Prosser car insurance on the web is impossible for consumers new to shopping for insurance online. With so many choices of companies in the marketplace, how can you effectively compare the different rates to find the best pricing?

It's important to price shop coverage quite often because rates are constantly changing. Even if you think you had the best price a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate how to quote online to eliminate unnecessary coverages and save money.

Don't pay full price with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you complete an application, but a few need to be manually applied before they will apply.

Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
55 and Retired - Mature drivers may receive a discount up to 10%.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
Accident Waiver - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Passive Restraints - Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
Drivers Education - Have your child complete a driver education course if offered at their school.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

To see a list of companies with discount car insurance rates in Washington, click this link.

Free Prosser Car Insurance Quotes

There are multiple methods to compare car insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time talking to insurance companies in Prosser, or you could use online quoting to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and at least one company then returns a price quote for coverage. This system prevents you from having to do quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one downside to using this type of system is you cannot specify which carriers you want to price. So if you want to choose individual companies to compare rates, we put together a list of companies who write car insurance in Washington. Click here to view list.

It's up to you how you get prices quotes, just make darn sure you compare identical coverage limits on every quote. If you use differing limits then you won't be able to make a fair comparison in Prosser. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, comparing more company's prices helps locate better pricing.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the rating factors that play a part in calculating your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with better car insurance rates.

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

Big city or small town - Residing in a small town can be a good thing when it comes to car insurance. Drivers in populated areas have much more traffic and longer commute times. Fewer people means reduced accidents.
Men are more aggressive - Statistics have proven that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the males tend to have more serious accidents. They also have more aggressive citations such as reckless driving.
Policy add-ons can waste money - There are quite a few add-on coverages that you can buy on your policy. Coverages for personal injury protection, towing coverage and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
Better credit scores mean better rates - Credit score is a big factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be less risk to insure than those with lower credit scores. Therefore, if your credit rating is low, you could pay less to insure your by spending a little time repairing your credit.
You might want pay the small claims yourself - If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies in Washington give lower rates to insureds who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your personal vehicles, there isn't really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Do I have coverage for damage caused while driving under the influence?
What are the financial responsibility laws in Washington?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make the same claim about savings if you change your policy. How does each company make the same claim? It's all in the numbers.

Different companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured could be between 25 and 40, insures multiple vehicles, and has a short commute. A customer who matches those parameters is entitled to the best price and therefore will save when switching.

Consumers who don't measure up to these standards will have to pay higher rates which leads to business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully make the claims of big savings.

Because of the profiling, drivers must compare many company's rates. Because you never know which insurance companies will fit your personal profile best.

Shop smart and save

As you shop your coverage around, never reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at the best price.

Cheap car insurance is attainable from both online companies in addition to many Prosser insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how to compare car insurance prices online. It's most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with some of the smallest insurance companies.

Additional information can be found on the Washington State Office of the Insurance Commissioner website found here. Consumers can view agent and company licensing information, learn about insurance regulations, and discover disciplinary actions.