Would you like to lower your Washington car insurance rates? Here are some tips that can help you find lower Washington auto insurance rates and save money on WA car insurance.
But first, use our Washington car insurance rate comparison tool to compare rates from many top WA car insurance companies. This is a great way to see where the cheapest car insurance rates are in Washington!
Understanding Your WA Car Insurance Rates
When looking for the right Washington car insurance policy it is important to make sure you understand your car insurance policy and how it works. Many auto insurance consumers falsely believe that shopping around for car insurance isn’t important because the auto insurance rates are regulated or fixed by the state. This is not the case for Washington car insurance consumers.
The state of Washington does not regulate or set the rates for the Washington car insurance companies. Each auto insurance company in WA is free to choose your car insurance rate. In fact, each Washington car insurance company has a specific way of determining your auto insurance rates, which will probably differ from that of another company.
This is why shopping around before purchasing your Washington car insurance policy is crucial to finding the lowest Washington car insurance rates.
Factors Affecting Your Washington Auto Insurance Rates
While each auto insurance company most likely has a slightly different equation for determining auto insurance rates, there are a few main factors that most auto insurance companies will use.
The main factors affecting your WA car insurance rates include:
- Age
- Gender
- Location
- Vehicle
- Driving Record
- Insurance Claims History
- Credit Score
Knowing and understanding these factors can help you find ways to lower your Washington car insurance rates.
Tips For Lowering Your WA Car Insurance Rates
Here are some ways that you may be able to lower your Washington car insurance rates.
- Choose a higher auto insurance deductible. Having a higher car insurance deductible will help to lower your auto insurance premiums and save you money on car insurance. Since you will have to pay your deductible before your car insurance kicks in if you ever need your policy, make sure you don’t raise it so high that you can’t afford to pay it.
- Drive safely. Even though you can’t change your driving record, you can make it a point to drive safely from now on. Also, taking a course in driver’s safety may get you a discount on your auto insurance policy. Check with your car insurance company to see what courses are approved.
- Take advantage of a multiple policy discount. If you have more than one insurance policy, such as home and auto, purchasing them from the same insurance company could earn you a discount and save you money on insurance expenses.
- Comparison shop. Shopping around is the best way that you can save money and lower your Washington car insurance rates.
Compare WA Auto Insurance Rates Now!
Take a few minutes to compare Washington car insurance rates from multiple car insurance providers now!
Our Washington car insurance rate tool is free and easy to use!
Find the low cost Washington auto insurance policy you need today!