For drivers in Washington, auto insurance is a necessity if you want to stay legal; and while Washington auto insurance quotes are not always a guaranteed path to hundreds of dollars in savings, their benefit for many who've used them in the past cannot be denied. Of course, understanding your insurance policy, the laws of your state, and the different factors that can raise or lower your existing auto insurance rates are also key steps in getting the best policy for the most affordable price. Here are a few things to think about when shopping for your next car insurance policy, and a few hints for reducing the cost of you auto insurance now and in the future.
Washington Auto Insurance Averages
According to the National Association of Insurance Commissioners, the average cost of Washington auto insurance is $841 a year, putting it above both the national average of $795 and the averages of neighboring states Oregon ($723) and Idaho ($564). While this might seem like bad news at first glance, statistics show that areas where people make more money tend to have higher car insurance averages because the frequency of comprehensive coverage and high limits is correspondingly increased. The fact remains, however, that if you live in Washington, auto insurance rates are likely to be higher than they are in many other places; this means that, for drivers in Washington, auto insurance quotes are even more important than they might be in other areas of the country.
How Washington Auto Insurance Quotes Save You Money
No matter where you live or what you drive, insurance providers come up with individual policy rates by considering risk factors. If you live in a high crime area where theft and vandalism occur more frequently, rates on comprehensive coverage go up because there is a higher likelihood that the insurance company will have to pay out. If you live in a densely populated area, the chances of an accident and the cost of repairs both go up, so you pay a higher rate. The interesting thing is: Not every insurance company will put the same amount of weight on the same risk factors. This means that the same person driving the same vehicle in the same neighborhood can often get very different rates depending on the company providing the policy. This is where quotes come in.
As is the case in any other state, Washington auto insurance quotes are free. So, for absolutely no money, you can get a very good idea of which insurance providers view your specific situation as less of a risk, and can in turn offer you lower rates. The more quotes you get, the better your chances of finding a company that will offer you more affordable premiums. Of course, for some drivers in Washington, auto insurance quotes will vary only slightly from company to company. On the other hand, some Evergreen State drivers may see hundreds of dollars of difference between one company and another.
Washington Auto Insurance Discounts
Though getting quotes is a great way to compare the cost of new policies and to see if your current policy is competitive, there are other ways to save on Washington auto insurance. Discounts are often available to drivers who take a defensive driving course, install an anti-theft device, take out multiple policies with the same company, or move to a safer or less populated neighborhood. Many Washington auto insurance providers offer these and other discounts, so it is very important to make sure you talk to your insurer and take advantage of any discounts you are eligible for.
Using NetQuote to Find Washington Auto Insurance Quotes
Obviously, getting quotes and taking full advantage of applicable discounts are excellent ways to save money on auto insurance. Washington drivers who use NetQuote can get the best of both worlds. After filling out a brief form, NetQuote will put you in contact with several different auto insurance providers in your area, all from the comfort of your home computer. Not only will these providers give you quotes, they will give you the opportunity to see which discounts they can offer you. Once you've got this information, you can make an educated decision on which company is right for you.