Who Has Cheap Auto Insurance Quotes for Uber Drivers in Washington?

In a perfect world, we could just tell you the single best company that has the cheapest rates in Washington. It’s not that easy, however, as there are a whole bunch of unknown factors like if you are a renter or homeowner, whether or not you are currently insured, how many years you have been driving, and if you need full coverage or liability-only, that all impact the price you pay. We will attempt to cover these topics and should give you a good beginning to your quest for cheaper car insurance in Washington.

When shopping for the cheapest auto insurance for Uber vehicles, one of the many considerations that impact the amount you pay for auto insurance is where you keep your car. Areas that are more densely populated or have higher claim rates like Lakewood, Kent, and Federal Way tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower auto insurance rates.

The next table displays the priciest cities in Washington for Uber drivers in which to purchase auto insurance.

Rates are estimated as specific Washington zip code can influence rates greatly.

We all have different tastes in cars, and the vehicle you are buying coverage for is probably the biggest factor when shopping for cheap car insurance for Uber drivers in Washington. Vehicles with lots of horsepower, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The data below features auto insurance prices for some of the most economical vehicles to buy coverage for.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in vehicle garaging location which can increase or decrease premiums greatly.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location which can decrease or increase prices noticeably.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in specific Washington garaging location which can increase or decrease auto insurance rates considerably.

Establishing which companies offer the lowest-priced auto insurance rates for Uber drivers will involve a bit more work than just getting one or two price quotes. Every insurance company has a proprietary formula to set their prices, so let’s rank the overall cheapest auto insurance companies in Washington.

It’s a good idea to know that Washington auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Simply improving your credit, buying higher coverage limits, or getting a few speeding tickets can cause premium changes that can cause some rates to be cheaper than before.

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Capital may have some of the cheapest car insurance rates in Washington at around $784 a year. Grange, Nationwide, PEMCO, and Travelers also qualify as some of the more affordable Washington car insurance companies.

In this example, if you buy coverage from Grange and switched to Capital, you may realize an annual premium reduction of upwards of $38. Insureds with Nationwide might save as much as $168 a year, and PEMCO insureds might reduce rates by $210 a year.

Remember that these prices are averages across all types of drivers and the different vehicles they drive and and are not calculated with a price decrease for Uber drivers. So the auto insurance company that fits your needs best may not even be included in the list above. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.

Impact of speeding/accidents on Washington auto insurance rates

A great way to get the most affordable auto insurance prices for Uber vehicles is to pay attention while driving and avoid accidents and violations. The illustration below demonstrates how citations and at-fault accidents can increase auto insurance rates for each different age group. The price estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

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The data charted above shows the average cost of an auto insurance policy in Washington per year with no accidents or violations is $1,606. Get two speeding tickets and the average cost increases to $2,159, an increase of $553 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for Uber drivers increases to an average of $2,711. That’s an increase of $1,106, or $92 per month, just for not driving attentively!

How to find low-cost insurance for Uber drivers

Lowering your rates is not difficult, and here are some of the recommended money-saving suggestions that can help you quote cheaper coverage.

• Frequent claims may make car insurance unaffordable
• Save money by only buying liability coverage for older vehicles
• Raise your deductibles
• Violations and traffic tickets increase rates
• Accidents can significantly increase rates
• Shop around for cheaper prices often

The last item on the list is remarkably valuable, as we noted in this piece. Auto insurance rates in Washington can be changed at any time, so don’t be tentative to change insurance companies if you can find a cheaper rate. Brand loyalty is great, but it isn’t a good idea if that stubbornness costs you hundreds of dollars year after year. In less than five minutes you could shop around to find cheaper insurance for Uber drivers.

Who has the cheapest insurance quotes for Uber vehicles?

There are quite a few ways to comparison shop for auto insurance in Washington, but the most preferred ways are using an independent insurance agent, an exlusive agent such as Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico. They all have the same end result, but auto insurance shoppers should know the differences in how they price policies.

Independent agencies work for many companies and can compare coverage rates with all of them. These agents do not work for one specific company and can give you more rate choices, which can give you the best shot at cutting your rates. If a cheaper price is found, your policy is moved internally which prevents you from having to find a new agency.

Exclusive agencies are only able to give rates for just one company, two of the more popular are State Farm and Auto-Owners agents. They usually cannot provide rates from more than one company, so you will not be able to compare their rates to other companies.

When you buy auto insurance direct, you bypass an independent or exclusive agent and instead buy from a direct company like Geico or Esurance. Buying auto insurance direct is good for drivers who have an average risk profile and have a good understanding of what specific coverages they need.

Which way is best to find cheap car insurance for Uber drivers in Washington? It would be premature to say shopping direct results in the cheapest price because there is no agent taking a commission, but that is not always the case. An argument could also be made that going through an independent agent can save the most money due to having more companies to select from, but again, that’s not a true statement. In many circumstances, exclusive agencies have extremely competitive rates that are the lowest in Washington.

Since auto insurance prices are based on many different factors, the one way to buy the cheapest policy is to do a thorough rate comparison. In a perfect world, youll get prices from all three types to give yourself plenty of rates to compare. For a list of companies with cheap rates in Washington, click here to view.