Cheapest Insurance Quotes for Ride Shares in Washington

For bad credit, one of the largest components that is looked at to determine the annual cost of car insurance is where you live. Regions with larger populations or more claims like Lakewood, Federal Way, and Kent tend to have higher rates, whereas areas with less people or fewer weather incidents generally benefit from lower car insurance rates.

The information below displays the most expensive areas in Washington for low credit scores to purchase auto insurance in.

Annual rates are comparative as specific Washington zip code can decrease or increase coverage rates greatly.

Figuring out which company has the best car insurance rates for low credit scores will take a tad more effort in order to find a policy that fits your budget. Each insurance company has their own guidelines to set their prices, so let’s rank the overall cheapest car insurance companies in Washington.

It’s important that you understand Washington car insurance rates are impacted by many things that may substantially change your annual premium. Getting older, moving to a different location, or having an at-fault accident may prompt premium changes resulting in some companies being cheaper than competitors.

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Capital has some of the most affordable car insurance rates in Washington at around $754 a year. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the cheaper Washington auto insurance companies.

As depicted above, if you are insured with Nationwide and switched to Capital, you could realize yearly savings of approxmiately $198. Drivers with PEMCO could save as much as $250 a year, and Travelers customers might reduce rates by $254 a year.

Bear in mind that those policy rates are averaged for all insureds and vehicles and are not factoring in a price decrease for low credit scores. So the company that fits your age and vehicle best may not even be shown in the chart above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.

The cost and performance of the vehicle you are buying coverage for is one of the main factors that determines whether or not you find the cheapest insurance for low credit scores in Washington. Vehicles with more horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.

The next tables estimates coverage rates for the cheaper automobiles to insure in Washington.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in Washington location which can modify premiums substantially.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can revise coverage rates substantially.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.

Insuring your vehicle with a good quality auto insurance provider can be challenging considering how many different companies there are to choose from in Washington. The ranking information below could help you decide which providers you want to consider when trying to find cheaper insurance for low credit scores.

These rankings are for major nationwide insurance companies, so smaller companies that only insure vehicles in Washington are not taken into consideration for the list. To compare rates from many more Washington auto insurance companies, click this link.

Top 10 Large Auto Insurance Companies Overall in Washington

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Allstate

Discounts on the cheapest insurance for low credit scores in Washington

Car insurance companies that offer cheap quotes for low credit scores may also offer premium discounts that may potentially lower prices by 40% or more if you are eligible. A list of car insurance companies and a selection of discounts are detailed below.

• GEICO offers discounts including five-year accident-free, multi-policy, air bags, seat belt use, and emergency military deployment.
• SAFECO may include discounts for anti-theft, bundle discounts, accident prevention training, drive less, and teen safe driver.
• State Farm offers discounts for anti-theft, accident-free, multiple autos, good driver, student away at school, passive restraint, and good student.
• MetLife has discounts for good driver, good student, defensive driver, accident-free, claim-free, multi-policy
• 21st Century policyholders can earn discounts including driver training, automatic seat belts, theft prevention, student driver, homeowners, and teen driver.
• Progressive may have discounts that include online signing, multi-vehicle, homeowner, online quote discount, and good student.

The example below shows the difference between insurance premiums with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no at-fault accidents, Washington state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, marriage, passive restraint, defensive driving course, homeowner, and multiple vehicle discounts applied. In this example, the the amount saved on car insurance for low credit scores is 28% or $518.

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Cheapest insurance quotes for bad credit

Consumers have many ways to get cheap car insurance quotes in Washington, but the three most common methods are through an exlusive agent like State Farm or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive or Geico.

All three ways can provide car insurance quotes, but car insurance shoppers should know the differences in how they work.

Independent agencies have contracts with multiple insurance companies and can compare coverage rates with all of them. These types of agencies do not work for one specific company and can get prices from more than one company, which may provide you with the best shot at cutting your rates. If you are not satisfied with one company, the business is moved internally and that require little work on your part.

A captive or exclusive agent is only able to write business for one insurance company, two examples are State Farm and Allstate agents. Exclusive agents generally are unable to compare other company’s rates, so if rates are high, they cannot give you alternative choices.

Opting to purchase car insurance direct means you skip local insurance agents and instead shop from a direct company like Geico. This option may be preferred by people who do not need high amounts of coverage and understand the limitations of car insurance.

What is the best method to buy the cheapest insurance for low credit scores in Washington? It would be simple to say buying direct results in the best prices because there is no agent taking a commission, but unfortunately, it’s not that cut and dried. We could also say that using an independent agent is the best way to save since they have access to many companies, but that’s not always true, either. And occasionally, exclusive agencies have really good rates that cannot be beaten by either independent or direct companies.

Because it’s impossible to say who has the best car insurance rates, the one way to get the lowest rate is to compare rate quotes from as many companies as possible. The best approach is to get price quotes from all three to have the best selection of rates to choose from. For a list of companies with cheap rates in Washington, click here to view.

Ideas for buying low-cost insurance for low credit scores

Lowering your rates is not difficult, and here are some money-saving suggestions that can help Washington drivers quote lower-cost car insurance.

• Drive safely
• Drive vehicles with five-star safety ratings
• Home or renters coverage can save on auto insurance
• Accidents can significantly increase rates
• Try to remain claim-free
• Shop around once a year for cheaper rates

That last idea is extraordinarily crucial, as we noted in the prior article. Auto insurance rates vary considerably, so don’t be hesitant to buy from a new company if a cheaper price is available. Loyalty to a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds every year. It only take a few minutes to compare prices and find cheaper car insurance for low credit scores.