Shoreline Car Insurance Savings the Insurance Companies Don’t Want You to Know About

I can’t think of anyone who likes paying for car insurance, in particular when the cost is way too high.

Many auto insurance companies compete for your business, so it’s not easy to compare every insurer and uncover the absolute lowest rate

It’s a good idea to compare prices quite often since rates change frequently. Despite the fact that you may have had the best price last year you can probably find a better price now. Starting now, ignore everything you know about car insurance because you’re about to learn the best way to find lower rates on car insurance.

How to Buy Shoreline Car Insurance Online

There are several ways of comparing rate quotes and find the best price. The best way to find competitive insurance rates is to get quotes online. This can be done in a couple of different ways.

1. The best way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do boring form submissions for each company. One form gets rate comparisons direct from many companies.
2. Another way to get quotes online is to manually visit the website of each company and complete a new quote form. For example, we’ll pretend you want rates from Liberty Mutual, 21st Century and State Farm. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

   For a list of links to insurance companies in Shoreline, click here.

3. The hardest method to compare rates is driving to local Shoreline insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. You can, however, comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, make darn sure you compare identical coverage limits and deductibles for each comparison quote. If the quotes have different liability limits you can’t possibly make a fair comparison in Shoreline. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that comparing more company’s prices helps locate a lower rate.

What about using a local agent?

A small number of people prefer to get advice from a local agent and there is nothing wrong with that. One of the great benefits of comparing rates online is you can get better rates and still choose a local agent.

For easy comparison, once you complete this simple form, your insurance data is transmitted to participating agents in Shoreline who will compete for your coverage. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. How’s that for easy! Get lower rates and work with a local agent.

Deciding on an insurer should depend on more than just the price. These questions are important to ask:

• Does the company allow you to choose your own collision repair facility?
• Can glass repairs be made at your home?
• Do they feel the quoted coverages are adequate?
• Which insurance companies are they affiliated with?
• Is working in the agency their full-time job?

Captive and independent Shoreline car insurance agents

When searching for a local agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents are either captive or independent.

Captive Insurance Agents

This type of agents work for only one company and examples are AAA, Allstate and State Farm. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are trained well on the products they sell and that can be a competitive advantage.

The following are captive agents in Shoreline who may provide you with price quote information.

Allstate Insurance – 15021 Aurora Ave N – Shoreline, WA 98133 – (206) 362-2692
Farmers Insurance Group – 18110 Midvale Ave N # 102 – Shoreline, WA 98133 – (206) 546-2166

Independent Agencies or Brokers

These agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from multiple independent agents for the best price selection.

Listed below are independent agents in Shoreline that are able to give price quote information.

David R Golden Agency – 17010 13th Ave NE – Shoreline, WA 98155 – (206) 363-7880
Baldwin Insurance – 20306 15th Ave NE – Shoreline, WA 98155 – (206) 362-7557
Dan Anderson Insurance – 18110 Midvale Ave N # 102 – Shoreline, WA 98133 – (206) 542-7502

For a complete listing of Shoreline insurance agents, visit this site.

Once you have acceptable answers to any questions you have as well as a affordable price, it’s possible that you found a car insurance agent that is a good match to properly service your car insurance policy.

To learn more about car insurance in Washington

Even more information can be read at the Washington State Office of the Insurance Commissioner website. Consumers can report car insurance fraud, view a list of available companies, and find a variety of consumer forms.