Ultimate Tricks for Cheaper Olympia Auto Insurance

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me when I say you’re not the only one. Many insurers compete for your business, so it’s not easy to compare every insurance company to discover the definitive lowest rate possible.

If you are insured now or need a new policy, you can use these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you in Olympia is easy if you know what you’re doing. Washington drivers only need to know the most efficient way to get comparison quotes online.

Comprehensive Auto Insurance Comparison in Olympia, Washington

There are multiple methods to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in Olympia, or you could use online quotes to get prices fast.

Most car insurance companies participate in a marketplace where prospective buyers submit their information once, and each participating company can give them a price based on the submitted data. This saves time by eliminating quote requests for each company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is buyers cannot specifically choose which carriers you want to price. So if you want to choose individual companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in Washington. Click here for list of insurance companies in Washington.

It’s up to you which method you use, but ensure you’re using exactly the same deductibles and coverage limits on every quote. If you have different deductibles it’s not possible to determine which rate is truly the best in Olympia.

Pay less by taking advantage of discounts

Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on auto insurance. If they aren’t giving you every credit available, you are throwing money away.

• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
• Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Safety Course Discount – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
• New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.

It’s important to note that many deductions do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

To choose insurers offering auto insurance discounts in Washington, click this link.

Your coverage should be tailored to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. For instance, these questions might help in determining whether your personal situation could use an agent’s help.

• How much underlying liability do I need for an umbrella policy?
• Is my custom paint covered by insurance?
• When does my teenage driver need to be added to my policy?
• Are split liability limits better than a combined single limit?
• Why does it cost so much to insure a teen driver in Olympia?
• How much liability coverage do I need in Washington?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Even more information is located at the Washington State Office of the Insurance Commissioner website. Washington consumers can report car insurance fraud, get help finding coverage, and find out industry alerts.

A little work can save a LOT of money

Throughout this article, we presented many tips how you can compare auto insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the best prices are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

The cheapest auto insurance is attainable online and also from your neighborhood Olympia agents, so compare prices from both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.