Who Has Cheap Insurance for 4×4 Vehicles in Washington?

When writing about auto insurance, the word affordable should not appear anywhere in the article to describe car insurance rates. Unfortunately, cheap car insurance for 4×4 vehicles can be extremely hard to find. But don’t let us ruin your dream, because we will teach you how you can quote and buy insurance that works with your budget.

The safety and performance level of the vehicle needing coverage is one of the primary factors when shopping for cheap insurance for 4×4 vehicles in Washington. Vehicles with limited speed and performance, excellent safety ratings, or a track record of few liability claims will cost significantly less to insure than high performance models.

The next tables showcases insurance prices for a number of the cheapest automobiles to buy coverage for.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can influence price quotes noticeably.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates significantly.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific location information which can lower or raise coverage prices greatly.

Deciding which company offers the most affordable auto insurance rates for 4×4 vehicles will require a little more effort in order to find the most economical policy.

Every car insurance company used slightly different criteria to establish rates, so we’ll go over the overall cheapest auto insurance companies in Washington.

Best Car Insurance Prices for 4×4’s

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Capital generally has some of the best car insurance rates in Washington at around $777 a year. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the cheapest Washington auto insurance companies.

As the rates illustrate above, if you are a customer of PEMCO and switched to Capital, you could realize a yearly price reduction of in the vicinity of $217. Insureds with Travelers could save as much as $231 a year, and Mutual Enumclaw insureds might realize rate reductions of up to $246 a year.

These estimates are averages across all types of drivers and the different vehicles they drive and and are not figured with a price discount for 4×4 vehicles. So the car insurance company that is best suited for you may not even be shown in the above rate chart. That affirms the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The illustration below shows how different deductible levels can raise or lower insurance prices when searching for cheap insurance for 4×4 vehicles. The price estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.

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The data above shows that a 30-year-old driver could cut expenses by $316 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $476 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could lower their rates $672 every year by choosing a larger deductible amount.

If you do raise deductibles, it will now be necessary to have plenty of savings on hand to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

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

If you’re looking for the cheapest auto insurance for off-road vehicles in Washington, the four most popular companies are Geico, State Farm, Progressive, and Allstate. All of them have slightly different coverages and options that policyholders can choose from. The next table breaks down pricing and service ratings, as well as optional policy coverages that may be available in Washington.