Cheap Car Insurance for Drivers with Accidents in Washington

When shopping for the cheapest car insurance for drivers with at-fault accidents, one of the many factors that play a part in determining the cost of insurance is where your car is garaged. Larger areas like Auburn, Renton, and Lakewood are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.

The table below lists the priciest cities in Washington for drivers with accidents to purchase auto insurance in.

Information shown are approximated as specific Washington garaging address can lower or raise prices greatly.

Finding dependable, cost effective car insurance is not easy, and determining which companies offer the best auto insurance rates for drivers with accidents calls for a little more work. Premiums will more than likely be somewhat greater than the state average, with the higher price attributed to the posibility of more claims that goes along with offering coverage for drivers with at-fault accidents, but economical insurance may be achievable if you carefully shop around. Each auto insurer uses a slightly different approach to determine rates, so first let’s look at the rankings for the overall cheapest auto insurance companies in Washington.

It’s important to know that Washington auto insurance rates are impacted by many things that can increase the price you have to pay for coverage. This price fluctuation is why consumers need to shop around with many companies when trying to get the most economical car insurance quotes for drivers with accidents. Insurance prices can be altered by many factors and can change substantially, so the most economical option the last time you shopped your coverage around may now be costing you a lot of money.

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Capital may offer some of the cheapest car insurance rates in Washington at around $761 a year. Grange, Nationwide, PEMCO, and Mutual Enumclaw are also some of the lowest-priced Washington insurance companies.

In this example, if you are a policyholder with PEMCO and switched to Capital, you could earn savings of around $243. Washington drivers with Mutual Enumclaw may save as much as $273 a year, and Travelers insureds might cut rates by $277 a year.

To find cheap auto insurance for drivers with accidents in Washington, click here to start your free quote or quote prices from the following companies.

These premium estimates are averages across all drivers and vehicles in Washington and do not take into consideration a rate surcharge for drivers with accidents. So the insurer that has the cheapest rates for you may not even be included in the list of companies shown earlier. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.

The vehicle you are insuring is one of the largest factors that determines the availablility of cheaper car insurance for drivers with accidents. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than safer models.

The information below ranks car insurance costs for a selection of the cheapest vehicles to buy insurance for.

Cost estimates assume married female driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can alter price quotes significantly.

Data rating is based on married female driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific Washington garaging location which can decrease or increase coverage prices noticeably.

Table data assumes married female driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific location information which can change premiums considerably.

Progressive, Allstate, Geico, and State Farm: Who is best?

When it comes to car insurance, the companies that insure more vehicles than anyone else are Progressive, Allstate, Geico, and State Farm. When combined, they insure almost 50% of the entire U.S. car insurance market. They all offer your standard coverages, but each one has a little bit different set of discounts and options that shoppers can select from. The table below points out some of the different options you can buy with each company.

Cheapest insurance quotes for drivers with at-fault accidents

There are a variety of different ways to quote and buy auto insurance in Washington, but the most frequently used methods are from a captive (or exclusive) agent such as State Farm or Liberty Mutual, an independent insurance agent, or direct either online or via phone. They all follow the same basic process, but auto insurance buyers need to understand the differences in how they function.

Independent insurance agencies work with multiple companies and can compare rates with all of them. These types of agents are not employed by only one company and can give you more rates, which can give you the best chance of saving money. If your agent finds a cheaper company, your agent can just switch to a different company and you stay with the same agent.

An exclusive agent is limited to one company, two of the more popular are Farmers Insurance or State Farm agents. Exclusive agents are unable to provide rates from more than one company, so if finding the cheapest coverage is your goal, you will need to shop around.

If you buy direct, you forego the middleman (the agent) and instead buy direct from companies such as Progressive or Geico. This option is a good choice for consumers who do not need advice for risk management and have a good understanding of what coverages, limits, and deductibles they need.

So which way is best for finding cheap auto insurance for drivers with accidents in Washington? Most people would assume that shopping direct saves money because you bypass the agent, but unfortunately, that is not the case. We could also assume that using an independent agent is the best way due to more options, but again, that’s not a true statement. And often times, exclusive agents may have very competitive prices that are the cheapest in Washington.

Due to the fact that auto insurance rates vary so much, really the best method to buy the cheapest coverage is to compare rate quotes from as many companies as possible. Smart shoppers will get price quotes all three ways in order to have the best selection to choose from. For a list of companies with cheap rates in Washington, click here to view.