Who Has the Cheapest Auto Insurance Quotes for Immigrants in Washington?

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, especially when searching for the best coverage prices for immigrants. Because it’s so expensive, let’s go over some things that have a considerable impact on car insurance premiums, and see how we can help you take the bite out of the next policy you buy.

Finding good, affordable insurance is not the easiest thing to accomplish, and figuring out which insurers offer the cheapest car insurance rates for immigrants calls for even more diligence. Every insurance provider uses slightly different criteria for determining rates, so we’ll go over the most budget-friendly car insurance companies in Washington.

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Capital has some of the lowest car insurance rates in Washington at around $761 each year. Grange, PEMCO, Nationwide, and Travelers are also some of the most economical Washington car insurance companies.

As shown in the rates above, if you are currently insured with Nationwide and switched to Grange, you could see yearly savings of around $134. Drivers with Travelers may save as much as $161 a year, and Mutual Enumclaw customers might cut rates by $207 a year.

These estimates are averages for all types of insureds and vehicles and do not factor in a rate decrease for immigrants. So the car insurance company that has the cheapest rates for you may not even be included in the list of companies shown earlier. That is why you need to compare prices as often as possible using your own individual information.

One of the more important things used to calculate auto insurance rates is your zip code in Washington. Cities with larger populations or higher claim trends like Renton, Lakewood, and Seattle tend to have more expensive auto insurance rates, whereas areas that tend to be more rural can boast about having cheaper rates.

The following table sorts the priciest cities in Washington for immigrants in which to purchase auto insurance.

Annual rates are approximated as specific Washington zip code can alter auto insurance rates greatly.

The car, truck, or SUV you are trying to insure is probably the most important factor when quoting the cheapest car insurance for immigrants in Washington. Vehicles with economical engines, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than higher performance models. The information below showcases car insurance premiums for the most cost-effective vehicles to insure in Washington.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in vehicle location which can impact rates substantially.

By looking at the data, we can conclude that makes and models like the Hyundai Elantra, Ford Edge, and Ford Escape will be the cheapest vehicles to insure for foreigners.

Liability-only versus full coverage

Finding the cheapest car insurance for immigrants in Washington is probably important to the majority of people, and one common way to find cheaper insurance is to buy only liability coverage. The illustration below illustrates the comparison of auto insurance rates with liability coverage only compared to full coverage. Data assumes no claims or violations, $500 deductibles, marital status is single, and no discounts are factored in.

Averaged for all age groups, full coverage on your policy costs $1,858 per year more than carrying just liability coverage. Many of you may wonder if buying full coverage is a waste of money. There is no set guideline to delete physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

There are a few cases where removing full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

How to find budget-friendly auto insurance for immigrants

The list below summarizes some of the recommended thrifty suggestions that can help Washington drivers find more affordable coverage.

• Avoid at-fault accidents and claims
• Drop full coverage on older vehicles
• Bundle car and home insurance and save money
• Do not get tickets
• Buy a vehicle with excellent safety ratings
• Frequent claims will increase rates
• Shop around for cheaper rates regularly

That last idea is extraordinarily crucial, as we hit on in the prior article. Car insurance rates can change considerably in a year, so drivers shouldn’t be reluctant to switch to a new company if you can find a cheaper rate. Having a favorite company is fine, but it isn’t a good idea if that dedication is costing major coinage every year. It only takes a couple minutes to shop around and find cheaper auto insurance for immigrants.

Cheap insurance quotes for foreigners

Thanks to technology, drivers have a lot of ways to compare cheaper car insurance rates in Washington, but the most preferred ways are through an exclusive agency such as State Farm or Liberty Mutual, an independent or non-exclusive agent, or from a direct company like Progressive or Geico.

Each way has the same basic process, but buyers need to know the differences in how they provide price quotes.

Independent insurance agencies write business for many companies and can compare coverage rates with every one. Agents of this type do not sell for just one brand and can get prices from more than one company, which may give you the best idea of how your rates compare. If your agent finds better pricing, your agent can just switch to a different company and you do not have to find a new agent.

A captive or exclusive agent is only able to give rates for one insurance company, for example an Allstate or Liberty Mutual agent. Exclusive agents are unable to shop your coverage around, so if finding the cheapest coverage is your goal, you will need to shop around.

Car insurance from a direct company means you skip the middleman (the agent) and buy from a direct company like Progressive. Buying car insurance direct may be a decent choice families who do not need high levels of coverage and have some degree of understanding of what coverages, limits, and deductibles they need.

So which of the methods works best to find the cheapest car insurance for immigrants in Washington? We’d like to say buying from a direct company results in the cheapest price because you bypass the agent, but that does not always hold true. A good argument could also be made that buying from an independent agent guarantees the best prices because you have more choices, but again, that’s not a true statement. And occasionally, exclusive agents may have prices that independents and direct companies can’t touch.

Because it’s impossible to say who has the best car insurance rates, the best way to ensure you are not overpaying for car insurance is to compare rate quotes from as many companies as possible. To cover all the bases, get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of companies offering online discounts, click here to view.