Car Insurance in Edgewood Washington – 5 Discounts You May be Forgetting

Purchasing affordable Edgewood car insurance on the web may seem to be somewhat intimidating for drivers new to quoting and comparing rates and buying car insurance on the internet. With such a large number of agents and companies, how are we expected to effectively compare every possible option in order to find the cheapest available price?

The quickest method we recommend to get policy rate comparisons is to understand most of the larger companies allow for online access to compare rate quotes. To begin a comparison, all you need to do is give them some information such as how old drivers are, deductibles desired, what you do for a living, and the make and model of your vehicles. That rating data is sent automatically to insurance carriers in your area and they respond with quotes instantly.

To find lower rates now, click here and enter your zip code.

Earn discounts to get lower-cost Edgewood car insurance quotes

Car insurance companies don’t always list every available discount in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous ways to save on car insurance. If you don’t get every credit you deserve, you could be getting lower rates.

  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off with some car insurance companies.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts may qualify for discounts of 25 to 30%.

We need to note that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.

To choose car insurance companies with the best discounts in Edgewood, click here to view.

Specific coverage details

Understanding the coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverages – Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, medical expenses, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford. Washington state minimum liability requirements are 25,000/50,000/10,000 but you should consider buying higher limits.

UM/UIM Coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like ambulance fees, pain medications and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Washington car insurance

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft, damage from a tornado or hurricane, hail damage and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More tips and info about car insurance can be read at the Washington State Office of the Insurance Commissioner website. Visitors are able to read state legal mandates and laws, read industry bulletins, discover disciplinary actions, and find out which companies have the most complaints.

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