Free Guide to Spending Less for Washington Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you are not the only one feeling buyer's remorse. Numerous battle for your insurance dollar, so it can be very hard to choose a to discover the definitive lowest rate

It's important to compare rates every six months since insurance rates are constantly changing. Just because you found the lowest price six months ago you can probably find a better price now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

You have some control over your rates

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Understanding what influences your rates enables informed choices that can help you get much lower annual insurance costs.

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

Do you qualify for a multi-policy discount? - Some insurers give discounts to people who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, you still need to comparison shop to ensure the best deal. Drivers may still find a better deal by splitting coverages up.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
Safer occupants lowers premiums - Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Where you live - Choosing to live in small towns and rural areas has it's advantages when buying auto insurance. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated North Carolina areas tend to have congested traffic and longer commutes to work. Longer commute distances translates into higher accident risk.
Males pay more for insurance - Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn't mean men are worse drivers. Both sexes cause accidents in similar numbers, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
Do you work long hours in a high stress job? - Occupations like judges, business owners and accountants tend to have higher rates than average because of high stress and long work days. On the flip side, jobs such as actors, athletes and retirees receive lower rates.

Don't pay full price with these discounts

Car insurance is not cheap, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but less common discounts must be requested specifically in order for you to get them. If they aren't giving you every credit possible, you are paying more than you should be.

Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
Organization Discounts - Affiliation with certain professional organizations is a good way to get lower rates on your policy.
Low Mileage - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Life Insurance - Some companies give lower rates if you buy life insurance.
Senior Discount - If you're over the age of 55, you may receive better auto insurance rates.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will cut your premiums.

To choose providers with discount auto insurance rates in Washington, click here to view.

The auto insurance bait and switch

North Carolina drivers can't ignore all the ads that promise big savings by Allstate and Progressive. All the ads make an identical promise that you can save if you change to their company.

How do they all say the same thing?

Insurance companies are able to cherry pick for the driver that makes them money. For instance, a preferred risk might be profiled as a mature driver, has no driving citations, and has a high credit rating. A propective insured who meets those qualifications receives the best rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be charged more money and ends up with business not being written. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can state the savings.

That is why you should get as many quotes as possible. It's not possible to predict which auto insurance company will have the lowest rates.

Learn more about North Carolina auto insurance

More information is located on the website for the North Carolina Department of Insurance located here. North Carolina drivers can read consumer alerts, find out which companies have the most complaints, find disaster information, and view agent and company licensing information.

A tidy conclusion

As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Affordable auto insurance can be sourced on the web and also from your neighborhood Washington agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.