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What You Need to Know About Bellingham Insurance

Life in Bellingham is filled with choices. Deciding whether to spend the weekend up at Mt. Baker skiing, or out on Bellingham Bay whale watching can be difficult. Searching for insurance, should not add to your already packed schedule. Using NetQuote to find insurance can simplify your quest for a lower premium and free up your weekends, so you have time to take a hike in Cornwall Park.

Auto Insurance in Bellingham

As of March 2010, the average premium for a 12-month policy in Washington was $1,145, compared to $1,047 nationally, making Washington auto insurance slightly higher than the national average. Unfortunately, property crime rates in Bellingham are above the state average, as well as the national average, which can result in higher insurance rates.

Save Money on Bellingham Insurance

Lowering your insurance premiums can be done in a number of ways. The type of vehicle you drive will have a big effect on your insurance rates. If you are buying a new car, look for one that is not a favorite of car thieves. Vehicles that are frequently modified for street racing can also carry a higher premium. Regardless of the car you drive, adding an alarm system will result in significant savings on your Bellingham insurance rates. Commute times in Bellingham average 17 minutes. If you can lower your commute time even further, or decrease the number of miles you put on your vehicle each year, your insurance rates should go down.

Homeowners in Bellingham

Bellingham insurance quotes for your home can be a bargain compared to auto insurance. In Washington, the average cost of homeowners insurance in March 2010 was roughly $532. This price is well below the national average of $672. Renters also score a bargain with a median rate of $170. However, Bellingham insurance quotes will be affected by the higher-than-average crime rate, and lower median home values.

Flood insurance is a necessity if you live close to Bellingham Bay, or other areas of town that are prone to flooding. As with car insurance, adding a security system to your home will lower your rate. Raising your deductible, or lowering your limits, can also help you keep some of your hard earned money. Keep in mind that your deductible is what you’ll pay out of pocket if you need to file a claim, so a higher deductible will save you money on your premium, but may cost you more in the long run.

The Easy Way to Get Bellingham Insurance Quotes

Bellingham insurance quotes are easy to find and free. You can get them online, on the phone, or in person. The only way to insure you are getting the best possible rate on your insurance is to shop around. Getting you quotes from all the major insurers is NetQuote’s specialty, so let them do the hard work for you. Filling in a short request form is all it takes to get on the road to a new insurance policy.

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