Walla Walla Car Insurance For Less Than You're Paying Now
Finding lower rates for Walla Walla car insurance is a challenge for consumers new to comparing rates online. Drivers have so many choices that it can turn into more work than you anticipated to find the best price in Walla Walla.
It's important to shop coverage around once or twice a year because rates are constantly changing. Even if you got the lowest price last year you will most likely find a better rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.
Don't pay full price with these discounts
Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known car insurance savings. If they aren't giving you every credit available, you are throwing money away.
- New Car Discount - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Lower Rates for Military - Having a deployed family member could mean lower rates.
- Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
- Defensive Driver - Successfully completing a driver safety course could save 5% or more if you qualify.
- Passive Restraints - Factory air bags can get savings up to 30%.
It's important to note that most credits do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.
The car insurance bait and switch
Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you switch your coverage to them.
How do they all make the same claim? It's all in the numbers.
Insurance companies can use profiling for the type of customer that earns them a profit. For instance, a desirable insured could be between 25 and 40, has no tickets, and drives newer vehicles. A customer who fits that profile is entitled to the best price and therefore will cut their rates substantially.
Potential customers who don't measure up to the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that much money. That's why insurance companies can claim big savings. Because of the profiling, you should get quotes from several different companies. Because you never know the company that will give you the biggest savings.
More Washington car insurance information
Additional detailed information is located at the Washington State Office of the Insurance Commissioner website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and read consumer alerts.
In the end, you save
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price.
Consumers switch companies for a variety of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal and even questionable increases in premium. Regardless of your reason, finding a new car insurance company is less work than it seems.
Lower-priced car insurance can be found from both online companies as well as from independent agents in Walla Walla, so you should compare both to have the best rate selection. A few companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
