Cheap Auto Insurance for Handicapped Drivers in Washington

Life would sure be easier if we could just give you the name of the one company that has the cheapest rates in Washington. It’s not that easy, however, as there are many unknown factors such as the amount of driving experience you have, what level of deductibles you wish to have, whether or not you are currently insured, and the level of liability coverage you want. This article will cover the different ways to avoid overpaying and will hopefully give the reader a jump start in finding the best auto insurance in Washington.

Finding reliable, cheap car insurance is challenging, and finding out which companies have the most affordable car insurance rates for handicapped drivers requires even more perseverance.

Each insurance company uses a little different formula to set their prices, so we’ll go over the most competitive car insurance companies in Washington. It’s a good idea to be aware that Washington car insurance rates are influenced by many factors that may substantially change the cost of a policy. Simply getting older, getting divorced, or getting a speeding ticket can cause premium changes that can cause some rates to be way too expensive in comparison to the competition.

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Capital quotes some of the best car insurance rates in Washington at around $754 a year. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the cheapest Washington car insurance companies.

In this example, if you currently have coverage with Travelers and switched to Grange, you may realize yearly savings of upwards of $206. Insureds with Mutual Enumclaw could save as much as $212 a year, and USAA policyholders might realize rate reductions of up to $228 a year.

To compare your rates to other Washington insurance companies, click here to get a free quote or visit any of the companies below.

Bear in mind that those premiums are averages for all types of drivers and the different vehicles they drive and do not take into consideration a price decrease for handicapped drivers. So the auto insurance company that has the cheapest price for you may not even be included in the rate chart shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own individual information.

One of the many components that control the price of your policy is where you keep your car in Washington. Areas with more people or even just a higher incidence of claims like Auburn, Tacoma, and Kent tend to pay more, whereas areas with less congestion get the luxury of paying less.

The next table lists the highest-priced places in Washington for handicapped drivers to buy car insurance in.

Rate quotes are comparative as specific location information can revise premium rates significantly.

Car insurance rates are higher with tickets and accidents

In a perfect world, the best way to snag low car insurance prices in Washington for drivers with handicaps is to pay attention while driving and not have accidents or get tickets. The information below illustrates how traffic citations and fender-benders drive up insurance premiums for different age groups of insureds. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

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The data above shows the average cost of car insurance in Washington per year with a clean driving record and no accidents is $1,578. Get written up for two speeding tickets and the average cost increases to $2,102, an increase of $524 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for handicapped drivers jumps again to an average of $4,304. That’s an increase of $2,726, or $227 per month, just for being a careless driver!

Ending up with a good quality insurance provider can be rather challenging considering how many different companies insure vehicles in Washington. The company rank data below could help you select which insurers you want to consider when insurance shopping for handicapped drivers. The rankings below only include companies that write coverage in many states, so companies that have a smaller presence will not be included in these rankings.

Top 10 Major Auto Insurers in Washington Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Titan Insurance – A+
10. Progressive – A+

Top 10 Major Auto Insurers in Washington Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Cheapest car insurance: Progressive, Geico, State Farm, or Allstate

If you want the best auto insurance for drivers with handicaps in Washington, four companies to take a look at are Progressive, Geico, State Farm, and Allstate. They all have the same basic coverages, but each one has a slightly different mix of options and features that buyers can choose from. The data below breaks down ratings for price and service, as well as some optional coverages that are available for buyers.