Free Guide to Spending Less for Sequim Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer's remorse.

Drivers have multiple to pick from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to take a look at other company's rates every six months since insurance rates are constantly changing. If you had the best rates a few years ago you will most likely find a better rate today. Don't believe everything you read about auto insurance online but I'm going to show you some great ways to put money back in your pocket.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

  • Sign Online - Certain companies give back up to $50 just for signing your application over the internet.
  • Clubs and Organizations - Affiliation with a qualifying organization could qualify you for a break on auto insurance.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • New Vehicle Savings - Insuring a new car is cheaper since new cars are generally safer.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.

It's important to note that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, you're out of luck. But any discount will bring down your premiums.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to say the same thing that you can save if you move to their company. How does each company say the same thing?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and has a short commute. A propective insured who fits that profile will get the preferred rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money which usually ends up with business not being written. The ads state "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can make the claims of big savings.

Because of the profiling, you should quote coverage with many companies. It's not possible to predict which auto insurance company will fit your personal profile best.

More information can be read on the website for the Washington State Office of the Insurance Commissioner located here. Washington drivers can get help finding coverage, find out which companies have the most complaints, view a list of available companies, and file complaints about an insurance agent or broker.

Also read more on this site for Washington auto insurance information and see this list of insurance agents in Sequim.

The best insurance company isn't always the cheapest

Lower-priced auto insurance is possible on the web and also from your neighborhood Sequim agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.