Easy Ways to Spend Less on Sprague Car Insurance

Are you intimidated by the sheer number of car insurance companies in Sprague? You're not the only one! There are so many choices that it can turn into a real hassle to compare prices.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest rates two years ago you may be paying too much now. So just block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to find lower rates on car insurance.

Compare Quotes for Sprague Car Insurance

Comparing car insurance rates can be exhausting if you don't know the fastest way to get free quotes. You could spend your day talking to insurance agencies in Sprague, or you could use the web to get the quickest rates.

All the larger companies enroll in a system that enables customers to send in one quote, and each company can provide price quotes for coverage. This prevents consumers from doing form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is buyers cannot specifically choose which companies you will receive quotes from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in Washington. Click here for list of insurance companies in Washington.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits and deductibles for every quote you compare. If you use different liability limits you can't possibly determine the best price in Sprague.

Washington car insurance

Good Decisions Result in Lower Rates

It's important that you understand the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that can help you get much lower annual insurance costs.

  • Bad driving skills means higher rates - Your driving record has a big impact on rates. Careful drivers get better rates than bad drivers. Even a single speeding ticket can boost insurance rates forty percent or more. Drivers who get serious 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 continue driving.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be collision with another vehicle, damage from fire, and burglary. The deductibles are the amount of money you are willing to pay in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
  • Poor credit can mean higher rates - Your credit score is a big factor in calculating your car insurance rates. Therefore, if your credit score is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
  • Multi-policy discounts can save money - Most insurance companies give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to shop around to ensure the best deal. You may still be able to find a better deal by splitting coverages up.
  • Older drivers save more - Youthful drivers in Washington are statistically proven to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Battle of the sexes - Statistics demonstrate women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Both sexes cause accidents in similar percentages, but men cause more damage. Men also get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.

Don't pay full price with these discounts

Car insurance companies don't always list every available discount very well, so we break down both the well known and also the lesser-known discounts you could be receiving. If you don't get every credit possible, you're just leaving money on the table.

  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Resident Student - Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Early Signing - Some companies give discounts for buying a policy before your current policy expires. This can save 10% or more.

It's important to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck.

For a list of providers offering car insurance discounts in Washington, click here.

Additional detailed information can be found at the Washington State Office of the Insurance Commissioner website. Visitors are able to file complaints about a company, report car insurance fraud, and find out industry alerts.

Other useful links include NAIC.org's Understanding your Policy and this directory of insurance agents in Sprague Washington.

In the end, you save

We just presented a lot of techniques to lower your car insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a small mutual company.

Lower-priced car insurance can be found both online and also from your neighborhood Sprague agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, do not reduce needed coverages to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.