Posts Tagged ‘Automobile’

How To Save Money And Get Discount Automobile Insurance In Washington

March 19th, 2010
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If you happen to fall into a high risk group when it comes to automobile insurance, unfortunately you’re going to have to pay the price. In Washington State the law is fairly simple: automobile insurance companies are permitted to charge rates that reflect a person’s age and gender. For young men, who fall into the category of high risk drivers, this can mean very expensive premiums.

There are ways to reduce those costs, including:

? Taking a driver’s preparation course. Many insurance companies offer a discount to high risk drivers who take safety classes. Proof of completion of the course will need to be presented to enjoy this benefit.

? Being married. Although you likely don’t want to get married just to save on car insurance costs, it’s good to note that many insurance companies will offer a discount for married couples.

? Moving to a less populated city. If you live in a locale that is highly populated, it poses more of a risk and therefore your rates may be reflective of that. Many people who live in remote areas pay substantially less in premiums for their vehicles.

? Driving history. The more speeding tickets and accident claims you have, the higher your premiums will be. Driving legally and safely always can really reduce insurance costs.

The biggest thing to remember when you are a young or high risk driver is that each year that passes that you remain claim-free helps improve your chances of lower insurance costs. For a young person just learning to drive, one of the best options is for them to be placed as an occasional driver under a parent’s policy. Over time, they’ll build up a solid reputation as a good driver and this will help when it comes time to shop for their own policy.

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How To Find The Best Rates On Automobile Insurance In Washington

March 18th, 2010
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Even though car thefts were down 11% in 2006 in Washington State, car insurance still comes at a premium price. Trying to wade through the maze that is automobile insurance rates to find the best deal can be challenging for anyone. It can feel as though you’re at the mercy of the car insurance companies and you have to take whatever they are offering. That’s not the case. There are ways you can get the upper hand and save at least a few dollars off the cost of premiums each year.

The first thing you need to arm yourself with when you journey into the world of automobile insurance is what coverage you are interested in. Many insurance companies have a wide range of policies and typically agents will begin by trying to sell you the most comprehensive one they offer. The reason is simple and it’s that they make money by selling these policies so it stands to reason that if they can lure you into buying a more expensive one; it means more money in their pocket.

You need to first think about what would happen should you be in an accident that is your fault. How much coverage would you need to adequately protect yourself, repair or replace your automobile and cover any medical expenses that may be related to an accident? All of this is dependent on several factors including your driving record, the vehicle you drive now and the area you typically drive in. If you have a baseline idea of what you should be paying, you can then negotiate with an insurance agent realizing the limitations of your situation. Obviously someone who drives in a major metropolitan area and has numerous speeding violations won’t enjoy the same low rates as someone who drives rurally and has never been ticketed. Be realistic in your goal and you’ll find a rate that fits.

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How To Compare Low Cost Automobile Insurance In Washington

March 11th, 2010
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If you live in Washington State you’ve likely heard of the 25/50/10 coverage. This is reflective of the minimum amount of liability coverage you are mandated to have under state law. Most individuals see the value in having more but it comes at a cost. Finding the best insurance at the lowest price possible is the primary goal of any motorist.

Some tips that may prove fruitful when it comes to comparing insurance policies are:

?If a company gives you a quote that is well below any else, do some research. It’s important to check to ensure that the agent and the auto insurance company are licensed to do business in the State of Washington. You don’t want to get involved with a company that is operating illegitimately.

?Stick to your guns when asking for quotes. Many agents are very persuasive and will try and convince you that you need additional coverage. Ask for a quote for a specific amount of coverage from each agent and don’t be swayed.

?Ask about the accident procedure. Some insurance companies that offer low rates don’t offer the much needed support required after an accident. This can be a highly traumatic time for the policy holder, so you’ll want an agent who will be there for you.

?Inquire about having your policy renewed yearly as opposed to every six months. This can help by locking in a lower rate for a longer period of time.

Even though price is almost always the bottom line, the service provided comes a close second when it comes to automobile insurance. When asking for quotes take note of how the agent pays attention to your questions and requests. This can often be a good indicator of the type of service you’ll receive in the future.

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How To Find Affordable Automobile Insurance In Washington

March 10th, 2010
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No one wants to pay more than they absolutely have to for automobile insurance. In Washington State many factors can play a part in your auto insurance premiums. By law, insurance companies in Washington can take many different things into consideration when giving you a quote. These range from your age to your credit history. Even though you can’t control some of these factors, there are things you can do to help ensure you find a more affordable rate.

The type of vehicle you drive obviously plays a huge part in determining how much you’ll ultimately pay in automobile insurance. Not only do some cars cost more to purchase, they also cost more to repair. Insurance companies realize this as well, and you may notice this reflected in your auto insurance premiums. Consider buying a more affordable car and watch your insurance rates drop.

Some auto insurance companies offer incentives, in the form of rebates, if you take extra precautions with your vehicle. Typically this means that if you install a car alarm, you may be eligible for a lowered premium. You’ll need to show proof of the alarm installation which might be an in-person visit to the insurance company’s office or perhaps a receipt for the work done. In either case, it’s worth asking about. Not only will you save some money in premiums, your car stands less of a chance of being broken into or stolen.

Ask any potential Washington auto insurance companies about a reduction in premiums if you take a higher deductible. Although this is going to cost you more in the event of an accident, overall it should yield an attractive savings in your annual insurance costs. Most policies come with a standard level of deductible, so make it a point to inquire before you agree to the policy.

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