Finding affordable Spokane Valley auto insurance can seem to be nearly impossible for consumers not familiar with shopping for insurance online. Drivers have so many choices that it can be a ton of work to find lower rates in Spokane Valley.
How to Compare Spokane Valley Auto Insurance Rates
Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with agents in Spokane Valley, or you could use the web to quickly compare rates.
Many popular insurance companies take part in a program that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quote forms for each company.
To enter your information into the quoting system, click to open in new window.
The one downside to comparing rates this way is buyers cannot specifically choose which companies you want to price. So if you want to choose specific providers to compare rates, we have a page of low cost auto insurance companies in Washington. Click here to view list.
However you get your quotes, make absolute certain that you use the exact same coverages for every company. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison in Spokane Valley. Slightly different coverage limits may result in a large different in cost. And when quoting auto insurance, remember that more quotes will increase your chances of finding the best offered rates.
Are you getting all your discounts?
Auto insurance companies don’t always publicize all available discounts very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.
- Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
- Low Mileage Discounts – Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
- Club Memberships – Participating in certain professional organizations could trigger savings when buying auto insurance.
- Homeowners Discount – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
- Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
- Auto/Home Discount – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
For a list of providers who offer auto insurance discounts in Washington, click here.
Comparing rates from local agents
Some consumers just want to visit with an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is you can get better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to insurance agents in Spokane Valley who will give you bids for your business. You won’t need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier! You’ll get the best rates AND an agent nearby.
Selecting an insurer needs to be determined by more than just the price. Agents should be asked these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they feel the quoted coverages are adequate?
- Do the companies they represent have a solid financial rating?
- Does the company allow you to choose your own collision repair facility?
- Do they have any clout with companies to ensure a fair claim settlement?
- Who are their largest clients?
- Who is covered by the car insurance policy?
The following are Spokane Valley insurance companies that may be willing to give price quote information.
- Allstate Insurance – 10525 E Sprague Ave # A, Spokane Valley, WA 99206 – (509) 922-2800
- Farmers Insurance Group – 12012 E Mission Ave, Spokane Valley, WA 99206 – (509) 921-6998
- Moorhead Insurance Co – 12007 E 26th Ave, Spokane Valley, WA 99206 – (509) 927-0832
- Liberty Mutual Insurance – 11707 E Sprague Ave # 104, Spokane Valley, WA 99206 – (509) 927-4655
- Osprey Agency – 11707 E Sprague Ave, Spokane Valley, WA 99206 – (509) 921-5290
- Independent Insurance Agents – 408 N Mullan Rd # 102, Spokane Valley, WA 99206 – (509) 324-0850
- State Farm Insurance – 12120 E Mission Ave # 1, Spokane Valley, WA 99206 – (509) 926-1345
For a complete listing of Spokane Valley insurance agents, please click here.
After receiving reasonable responses to all your questions as well as a affordable price, it’s possible that you found a company that meets your needs to adequately provide auto insurance.
It’s not one size fits all
When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.
These are some specific questions can help discover whether or not you will benefit from professional help.
- Do I pay less if my vehicle is kept in my garage?
- Are there companies who specialize in insuring high-risk drivers?
- Is there coverage for injuries to my pets?
- Will I lose any money if I cancel my policy before it expires?
- Is a new car covered when I drive it off the dealer lot?
- Why am I required to buy high-risk coverage?
- What can I do if my company won’t pay a claim?
- How can I get high-risk coverage after a DUI?
- Should I buy more coverage than the required Washington minimum liability coverage?
- Who is covered by my policy?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Many Things Influence your Rates
Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.
- High numbers of claims are not good – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies in Washington award lower rates to drivers who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
- Your spouse saves you money – Having a spouse helps lower the price on your policy. Having a spouse is viewed as being more responsible and it’s proven that being married results in fewer claims.
- Do you need the policy add-ons? – There are quite a few add-on coverages that can waste your money when buying auto insurance. Coverages like roadside assistance, accident forgiveness and motor club memberships may be wasting your money. These coverages may sound good at first, but if you don’t need them get rid of them and save.
- Better credit means lower rates – Credit score is a important factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your by improving your credit score. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with poor credit.
- Pleasure use saves money – The more you drive in a year the more you will pay for auto insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is rated on the correct driver usage.
Don’t believe everything you hear
Progressive, Geico, Allstate and State Farm consistently run ads on television and other media. All the companies say the same thing that you’ll save big if you change to them. How does each company claim to save you money?
All the different companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a preferred risk might be between 25 and 40, is a homeowner, and has great credit. A customer who matches those parameters gets the lowest rates and therefore will cut their rates substantially.
Potential insureds who fall outside these standards will have to pay a more expensive rate and this can result in the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings. Because of the profiling, it is so important to get as many quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest rates.
Discount auto insurance can be sourced from both online companies and with local Spokane Valley insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.
As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.
Insureds leave their current company for a number of reasons such as poor customer service, being labeled a high risk driver, high rates after DUI convictions and questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.
More information about auto insurance
Even more information can be found at the Washington State Office of the Insurance Commissioner website. Washington drivers can find out industry alerts, report car insurance fraud, get help finding coverage, and view agent and company licensing information.