9 Guaranteed Ways to Reduce Car Insurance Costs in Issaquah Washington

Have you fallen victim to high-priced car insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. There is such a variety of insurance companies to buy insurance from, and although it’s nice to be able to choose, it can be more difficult to find the best rates.

Finding affordable coverage in Issaquah is not rocket science. If you are insured now or need new coverage, you can use this information to cut your premiums and possibly find even better coverage. Washington consumers just need to learn the most effective way to get comparison rates over the internet.

How to Get Cheap Car Insurance in Issaquah, Washington

Most companies allow you to get prices online. Getting online rates doesn’t take a lot of time as you simply enter your required coverages into the quote form. Upon sending the form, their system automatically orders information on your driving record and credit history and returns a price quote. Being able to quote online streamlines rate comparisons, but the process of having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to do this in order to get better prices.

There is an easier way!

The preferred way to lower your car insurance bill makes use of a single form to obtain quotes from multiple companies. It saves time, eliminates form submissions, and makes online quotes much more efficient. As soon as you send your information, it gets priced and you are able to buy your choice of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you input your coverages identical to your current policy. Doing this assures you will have a rate comparison for the exact same coverage.

Do you qualify for a discount?

Car insurance companies do not list every discount in a way that’s easy to find, so we break down both the well known and the more hidden car insurance savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • Accident Waiver – Some insurance companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less than less cautious drivers.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Own a Home – Simply owning a home may trigger a car insurance policy discount because owning a home demonstrates responsibility.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurance companies with the best car insurance discounts in Issaquah, follow this link.

Price shop online but buy from a local Issaquah agent

A small number of people just want to get advice from a local agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing insurance prices online is you may find the lowest rates but also keep your business local.

By using this form (opens in new window), your insurance coverage information is sent to participating agents in Issaquah who will battle for your insurance coverage. There is no need to visit any agencies due to the fact that quote results will go straight to your inbox.Issaquah WA auto insurance

Deciding on an provider shouldn’t rely on just the bottom line cost. Here are some questions to ask:

  • Does the company allow you to choose your own collision repair facility?
  • Are you getting all the discounts the company offers?
  • If your car is totalled, how to they determine the replacement cost?
  • How are claims handled?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What insurance company do they write the most business with?
  • Are claims handled at the agent’s location?

Listed below is a short list of insurers in Issaquah that may be willing to give comparison quotes.

Duane Weber Insurance – 1275 12th Ave NW, Issaquah, WA 98027 – (253) 852-1251
Almeda Insurance – 24922 SE 41st Dr, Issaquah, WA 98029 – (425) 837-9266
Farmers Insurance Group – 1495 NW Gilman Blvd, Issaquah, WA 98027 – (425) 391-5283
Allstate Insurance – 71 Front St N, Issaquah, WA 98027 – (425) 392-8388

After receiving reasonable responses to any questions you have in addition to an acceptable price estimate, chances are good that you have found an provider that meets your needs to provide car insurance coverage. Just keep in mind policyholders can cancel coverage any time you want so never assume you’re contractually obligated to a policy for the full term.

Additional detailed information is available at the Washington State Office of the Insurance Commissioner website. Consumers can download brochures, find a variety of consumer forms, find out which companies have the most complaints, and get help finding coverage.

Car insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most car insurance policies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your vehicle.

Because many people have only the minimum liability required by law (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision – Collision coverage covers damage to your vehicle from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability car insurance – This protects you from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Washington insurance cheap

Liability coverage protects against claims such as medical expenses, structural damage and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Washington requires minimum liability limits of 25,000/50,000/10,000 but you should consider buying more coverage.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a deer, vandalism, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like dental work, rehabilitation expenses, surgery, EMT expenses and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

The cheapest car insurance is available online as well as from independent agents in Issaquah, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

You just read a lot of information how to shop for car insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a small mutual company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.