Who Has the Cheapest Auto Insurance for Teachers in Washington?

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really should not be used anywhere to describe car insurance rates. Unfortunately, cheap auto insurance for teachers may be a thing of the past. But don’t despair, because we can show you some ways you can quote and buy insurance that is easier on your budget.

When shopping for insurance for teachers and educators, one of the many things that insurance companies use when figuring the price you pay for insurance is where you normally keep your vehicle in Washington. Cities with larger populations or higher claim trends like Lakewood, Auburn, and South Hill tend to pay more, whereas less populated areas generally pay lower insurance rates.

The following table sorts the highest-priced places in Washington for teachers to purchase auto insurance in.

Table data uses comparative as the specific area where the vehicle is garaged can raise or lower rates greatly.

The vehicle that is being insured is one of the largest considerations when comparing the cheapest auto insurance for teachers in Washington. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.

The information below shows auto insurance prices for some of the most affordable automobiles to buy coverage for.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease premium rates significantly.

Looking at the numbers, we can presume that makes and models like the Ford F-150, Honda Accord, Honda CR-V, and Honda Odyssey are some of the most budget-friendly vehicles to insure for teachers and educators.

Liability only or full coverage

Finding the cheapest auto insurance for teachers in Washington is important to the majority of drivers, and one common way to save on the cost of insurance is to only buy liability insurance. The illustration below illustrates the comparison of insurance costs with and without physical damage coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.

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If averaged out across all ages, physical damage insurance costs an extra $1,394 per year more than carrying just liability coverage. That may make you wonder if buying full coverage is a waste of money. There is no definitive rule of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

How to get the cheapest auto insurance for teachers in Washington

The list below shows some of the recommended penny-pinching solutions that can help Washington drivers find the cheapest coverage.

• Avoid having at-fault accidents
• Buy your homeowners policy from the same company as your auto insurance
• Drop full coverage on older vehicles
• Vehicles with good safety ratings have lower liability rates
• Increase your credit score
• Shop around once a year for cheaper rates

That last tip is remarkably critical, as was pointed out in the prior article. Coverage prices change a lot, so don’t hesitate to change to a new company if you find a better deal.

We understand brand loyalty, but it’s not a good idea if that dedication is costing hundreds every year. In just a few minutes you could compare rates to find cheaper insurance for teachers.