Cheap Car Insurance Quotes for State Employees in Washington

Wouldn’t it be excellent if we could magically tell you the single best company that has the best deal on coverage for state employees? Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like if your vehicle is used to commute, whether or not you are married, and how high your deductibles should be, that all influence how much you pay for auto insurance. We will try to teach you about the best ways to avoid paying too much and should give you some help in finding cheaper rates.

The vehicle you are trying to insure is one of the biggest factors when trying to find the most economical car insurance for state employees. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than high performance models. The information below estimates auto insurance rates for a number of the cheaper vehicles to buy coverage for.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in Washington location which can impact prices substantially.

Based on these rates, vehicles like the Chevrolet Traverse, Ford Escape, and Ford F-150 are going to be a few of the less-costly vehicles to insure for state workers.

Shopping around for affordable car insurance is tough enough, and figuring out which insurers offer the best auto insurance rates for state employees will involve even more work. Every insurance provider has a unique formula for determining prices, so first let’s look at the rankings for the most budget-friendly auto insurance companies in Washington.

It’s a good idea to be aware that Washington auto insurance rates are impacted by many factors that control the cost of having a policy. This price variation is why drivers need to take the time to shop around when trying to find the most affordable car insurance quotes for state employees. Auto insurance prices are determined by many different factors and can increase or decrease at any time, so the best price the last time you shopped around may now be quite expensive.

Best Auto Insurance Prices in Washington

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Capital generally has some of the lowest car insurance rates in Washington at around $754 annually. Grange, PEMCO, Nationwide, and Mutual Enumclaw are also some of the more affordable Washington auto insurance companies.

In the above rates, if you are currently insured with Nationwide and switched to Capital, you might realize a yearly savings of in the vicinity of $236. Customers with Mutual Enumclaw might save as much as $269 a year, and Travelers customers might lower prices by up to $274 a year.

To get a fast rate comparison, click here to begin a quote or quote rates from the companies below.

Be aware that those prices are averages for all ages of drivers and types of vehicles and do not take into consideration a rate decrease for state employees. So the auto insurance company that fits your needs best may not even be in the above rate chart. That’s why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

For state workers, one of the largest things that influence the amount you pay for auto insurance is where your residence is in Washington. Regions with more people or even just more weather-related claims like Tacoma, Lakewood, and Federal Way tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The following table rates the most expensive areas in Washington for state employees in which to buy car insurance.

Premium amounts are approximated as the specific area where the vehicle is garaged can increase or decrease coverage prices significantly.

Discount Washington car insurance

Insurance companies that sell cheap car insurance for state employees in Washington may also give you policy discounts that could potentially reduce rates by 35% or more if you qualify. A list of auto insurance companies and their offered discounts are:

• Farmers Insurance offers premium reductions for early shopping, teen driver, pay in full, bundle discounts, alternative fuel, electronic funds transfer, and good student.
• State Farm includes discounts for multiple policy, good student, Drive Safe & Save, good driver, accident-free, student away at school, and safe vehicle.
• Liberty Mutual may offer discounts for new move discount, preferred payment discount, hybrid vehicle, safety features, multi-policy, good student, and newly retired.
• MetLife has discounts for good student, accident-free, good driver, claim-free, multi-policy, defensive driver
• Progressive may have discounts that include online quote discount, multi-vehicle, good student, homeowner, online signing, multi-policy, and continuous coverage.

The diagram below illustrates the difference between insurance rates with and without discounts applied to the premium. The data is based on a female driver, no tickets, no at-fault accidents, Washington state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, anti-theft, multiple vehicle, homeowner, multiple policy, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance for state employees is 28% or $367.

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Full coverage rates compared to liability-only

Finding cheap car insurance for state employees in Washington should be important to most vehicle owners, and an effective way to buy cheap insurance is to not buy full coverage. The example below illustrates the difference between insurance rates with liability coverage only compared to full coverage. The price estimates are based on no violations or accidents, $100 deductibles, single status, and no additional discounts are factored in.

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If we average the cost for all age groups, physical damage insurance costs an extra $2,266 per year more than just buying liability insurance. That raises the question if physical damage coverage is worth the money. There is no definitive formula for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Who has the cheapest insurance quotes for state workers?

Drivers have a lot of ways to get cheap auto insurance quotes in Washington, but the most prevalent ways are through an independent or non-exclusive agent, an exlusive agent such as Liberty Mutual or Allstate, or from a direct company like Progressive.

You can use whichever you prefer, but it’s important to point out the distinctions in how they provide rate quotes.

Independent agencies have contracts with many companies and can get rate quotes from every one. Independent agents are appointed with more than one company and can provide multiple price quotes, which can give you a better overall rate comparison. If a cheaper price is found, your policy can be moved which prevents you from having to find a new agency.

An exlusive, or captive, agency is able to quote prices with just one company, two examples are a Liberty Mutual or State Farm agent. Exclusive agents normally do not have the ability to give you multiple price quotes, so they are skilled at selling on more than just price.

The final way is buying direct, which means you do not use the middleman (the agent) and instead buy buying direct from a company like Esurance or Progressive. Buying direct may be good for drivers who do not need high levels of coverage and have knowledge of how auto insurance works.

So out of those three methods, which one works best to buy cheap car insurance for state employees in Washington? Most people would assume that shopping direct saves the most money since that eliminates agent commissions, but unfortunately, it’s not that cut and dried. We’d also like to say using an independent agent results in the best rates due to more options, but again, it’s not a sure thing. In a lot of cases, exclusive agents have coverage prices well below independent agents AND direct companies.

Since auto insurance rates vary so much, the guaranteed way to ensure you are not overpaying is to get as many comparison quotes as possible. We highly recommend getting prices from all three types to have a good selection of rates to choose from. For a list of companies with online discounts, click here to view.

Find cheap car insurance for state employees in Washington

Lowering your rates is not difficult, and here are some of the recommended thrifty ideas that can help Washington drivers get cheaper coverage.

• Drop full coverage on older vehicles
• Raise comprehensive and collision coverage deductibles
• Avoid filing excessive claims
• Buying your home and auto policies from the same company can earn a discount
• Improve your credit
• Choose a safer vehicle and pay lower rates
• Shop around for cheaper rates regularly

The last item on the list is particularly vital, as we emphasized in this piece. Prices charged by auto insurers can change considerably based on profitability, so don’t be hesitant to change insurance companies if you can save money.

Staying with the same company for years is fine, but is isn’t recommended if that loyalty ends up costing a considerable chunk of change every month. In less than five minutes you could shop around to find cheaper insurance for state employees.