Paying for high-priced car insurance can overdraw your checking account and put a big crunch on your finances. Shopping your coverage around is a smart way to slash your bill and have more diposable income.
Many car insurance companies compete for your business, so it’s not easy to compare every company and get the definite lowest cost out there.
Consumers should take time to take a look at other company’s rates once or twice a year since insurance rates are usually higher with each renewal. If you had the best deal a few years ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the proper way to buy cheaper car insurance.
If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Buying car insurance in Marysville is easy if you know what you’re doing. Nevertheless, Washington vehicle owners must know the way companies market on the web.
Discounts are available to cut your rates
Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked for prior to getting the savings.
- Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Clubs and Organizations – Being a member of certain professional organizations could trigger savings on car insurance.
- Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Senior Discount – If you’re over the age of 55, you may receive a discount up to 10%.
- Student in College – Children who live away from home and do not have a car may qualify for this discount.
- Homeowners Savings – Being a homeowner may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
- Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
It’s important to note that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.
To choose providers with the best car insurance discounts in Marysville, follow this link.
Comparing rates from local agents
Some consumers would prefer to buy from a licensed agent. One of the great benefits of price shopping on the web is you can get better rates and still choose a local agent. Buying from local insurance agencies is important especially in Marysville.
After filling out this short form, the coverage information is sent to agents in your area who will battle for your coverage. You never need to leave your computer since price quotes are sent immediately to your email address. How cool is that?! You can find the lowest rates and work with a local agent.
Marysville insurance agencies come in two flavors
When finding a reputable insurance agent or broker, there are a couple of types of agencies from which to choose. Marysville agents are categorized either independent or captive.
Independent Agents
Independent agents are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, it’s a good idea to include several independent insurance agents for maximum quote selection.
Below are independent agents in Marysville that can give you comparison quotes.
Maryville Anderson Insurance – 901 State Ave – Marysville, WA 98270 – (360) 653-0900
Grandlund Insurance Svc Inc – 1410 7th St # E – Marysville, WA 98270 – (360) 659-3970
Axel Agency – 4107 80th St NE – Marysville, WA 98270 – (360) 659-6296
Captive Agents
This type of agents are contracted to one company such as American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. They are well schooled on their company’s products which helps them compete with independent agents.
Below is a short list of captive agents in Marysville that are able to give price quote information.
State Farm Insurance – 1517 10th St – Marysville, WA 98270 – (360) 653-2582
Allstate Insurance – 15414 Smokey Point Blvd # C – Marysville, WA 98271 – (360) 658-9443
For a full directory of captive agencies in Marysville, click here to link.
Deciding on an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- Who is covered by the car insurance policy?
- How much can you save by raising your physical damage deductibles?
- Is the agent and/or agency licensed to do business in Washington?
- What insurance company do they write the most business with?
- Do they carry Errors and Omissions coverage?
- What will you get paid if your car is a total loss? How is that amount determined?
Once you have received answers to your satisfaction to any questions you have in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that will provide car insurance coverage.
Can switching companies really save?
Companies like Allstate and Progressive consistently run ads in print and on television. All the ads make the same claim that you’ll save big if you change to their company. How can each company make almost identical claims?
All the different companies have a preferred profile for the driver that makes them money. A good example of a desirable insured might be between 25 and 40, is a homeowner, and has great credit. A driver who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.
Potential customers who do not match the requirements will be quoted higher prices and ends up with the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully state the savings.
This emphasizes why it’s extremely important to compare many company’s rates. It’s not possible to predict which insurance companies will fit your personal profile best.
Additional reading for car insurance information
Much more information about car insurance in Washington can be found on the website for the Washington State Office of the Insurance Commissioner. Click here for link. Washington drivers can download brochures, find a variety of consumer forms, and read state legal mandates and laws.
These articles may also be worth reading.
Keep this in mind
When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price.
In this article, we covered quite a bit of information on how to shop for car insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.