Who Has Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Washington?

When we talk about auto insurance, the word “cheap” should not appear anywhere in the article to describe car insurance rates. Notwithstanding, cheap car insurance for drivers with a bad driving record can be hard to find. But don’t despair, because we will teach you how you can still find and buy insurance that you can afford.

For bad drivers, one of the more important things that helps auto insurance companies calculate a rate quote is where your home is located. Areas that are densely populated or have higher claim frequency like Lakewood, Renton, and Kent will most likely have higher rates, whereas areas that are not as densely populated benefit from lower rates.

The information below displays the most expensive places in Washington for drivers with a bad driving record to purchase auto insurance in.

Information shown are approximated as the specific geographic location can decrease or increase price quotes noticeably.

Trying to find cheap car insurance is not the easiest thing to do, and determining which company has the cheapest car insurance rates for drivers with a bad driving record will involve even more shopping around. Coverage rates will probably be quite a bit greater than the average policy in Washington due to the added risk that comes with selling coverage for bad drivers, but economical insurance should be available if you find the right company. Every auto insurer uses their own formula to establish rates, so first let’s look at the rankings for the most affordable car insurance companies in Washington.

Keep in mind that Washington car insurance rates are based on many factors that can increase the policy premium. This price variation is why it is critical to compare many different companies to get the best car insurance quotes for drivers with a bad driving record. Car insurance prices are influenced by many risk factors and can increase or decrease at any time, so the cheapest option the last time you shopped around may now not even be in the top five.

Best Auto Insurance Prices for Imperfect Drivers

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Capital generally has some of the best car insurance rates in Washington at around $754 a year. Grange, Nationwide, Travelers, and PEMCO are also some of the lowest-priced Washington auto insurance companies.

As depicted above, if you are a policyholder with Travelers and switched to Grange, you may realize a yearly savings of roughly $160. Washington drivers with PEMCO might save as much as $166 a year, and Mutual Enumclaw insureds might cut rates by $227 a year.

Bear in mind that those prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a price increase for drivers with a bad driving record. So the company that has the cheapest price for you may not even be shown in the list of companies shown earlier. That affirms the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The example below highlights how deductible choice can raise or lower premium costs when trying to find cheap insurance for drivers with a bad driving record. The data assumes a single male driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2897,2643,2365,2101],[‘Age 30’, 1509,1389,1249,1115],[‘Age 40’, 1493,1367,1223,1083],[‘Age 50’, 1359,1247,1117,993],[‘Age 60’, 1313,1205,1081,963],[‘Age 70’, 1587,1465,1327,1195]]);var options = {title: ‘Deductibles and Car Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 30-year-old driver could reduce rates by $270 a year by changing from a $100 deductible up to a $500 deductible, or save $410 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could save up to $796 or more by choosing larger deductibles on their policy.

If you do raise deductibles, it is a good idea to have enough savings to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find cheap auto insurance for drivers with a bad driving record in Washington

Below you’ll find some of the better money-saving solutions that can help drivers locate cheap auto insurance.

• Safe vehicles generally have lower rates
• Increase your credit rating
• Buying car and homeowners insurance together can save money
• Do not pay for full coverage on older vehicles
• Avoid accidents
• Keep rates low by shopping around frequently

That final tip is incredibly valuable, as we hit on in the prior information. Coverage prices change frequently, so don’t be unwilling to change insurance companies if a cheaper rate is available.

Having brand loyalty is commendable, but it’s not recommended if that inflexibility results in costing you money that could be used for better things. Now is a great time to compare prices and find cheaper car insurance for drivers with a bad driving record.