Buy Tacoma Auto Insurance for Less Money With These Proven Techniques

Tired of robbing Peter to pay Paul to buy car insurance? You are no different than millions of other consumers. Insurance companies such as Allstate and Progressive persitently shower you with ad campaigns and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a good habit to compare prices once or twice a year because prices change frequently. If you had the lowest price six months ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the quickest way to get good coverage at a lower rate.

If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates while maintaining coverages. Buying car insurance in Tacoma is quite easy. Washington drivers only need an understanding of the proper way to compare rates online.

Discounts are available to cut your rates

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but some must be asked about before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
• Distant Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• One Accident Forgiven – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
• Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.
• Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut your premiums.

To see a list of insurers with discount auto insurance rates in Tacoma, follow this link.

Additional auto insurance links

More information can be found on the website for the Washington State Office of the Insurance Commissioner located here. Washington drivers can get help finding coverage, read enforcement actions against agents and companies, and learn about specific coverages.

Quote more, save more

Cheaper auto insurance can be purchased online and also from your neighborhood Tacoma agents, so you should compare both so you have a total pricing picture. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We covered some good ideas how to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.