Cheapest Auto Insurance In Washington State

Car Insurance In Washington


Why Do People Shop for New Car Insurance?

Shopping around for car insurance can result in savings, but many car owners rarely get price quotes from other insurance companies.

The three reasons people shop around:

  • Bad experience with a car insurance claim
  • Rate Increase
  • Current company doesn’t offer coverages wanted

Cheap Liability Auto Insurance —


Other Auto Insurance Coverages to Consider

Sometimes getting the best car insurance means adding extra coverage in order to get more protection or guard against unexpected out-of-pocket expenses.

Here are some other auto insurance types to consider.

  • Accident forgiveness keeps your car insurance rates from going up after an accident..
  • Gap insurance is designed to protect you if you owe more on your car than it is worth
    • If your car is totaled, the normal insurance payout for the vehicle could be much less than your balance. Gap insurance pays the difference.
  • New car replacement will pay to replace your car with a similar new car, rather than compensating you only for the depreciated value of your car. New car replacement coverage rules can vary among insurers for what qualifies as a “new” car so check the details.
  • Usage-based insurance has the potential to reduce your car insurance bill if you’re a good driver. This typically means you don't regularly hard brake, accelerate rapidly, drive in the wee hours of the morning, and other factors. Usage-based insurance programs use either an app on your phone or a device that plugs into your car to track your driving habits.
  • Vanishing deductibles reduce your deductible every time your policy renews. Normally, if you have a claim, your insurance check will be reduced by your chosen deductible. With a vanishing deductible your out of pocket deductible is reduced by as such as $100 every year you don’t make a claim.

Washington Accident News

 

Affordable Car Insurance


Our agents help protect you on the road.

We are here to advise you on important coverage decisions, answer any questions, and help simplify your experience.

We can help:

  • Find available auto discounts
  • Adjust your coverage, at your request, as your life changes
  • Guide you through the auto claims process

Affordable Car Insurance
Cheap Auto Insurance Washington State

Cheap Auto Insurance Washington State


Do I Need Insurance?

If you own a car, you need auto insurance. Car insurance helps provide financial protection for you, and your family if you're involved in an accident. It only takes is a few minutes to get a personalized car insurance quote with the best rates, discounts, and options available.

Instant Auto Insurance Quote


How Can I Find the Best Price on Car Insurance?

Once you decide how much car insurance you want, you can start shopping for the best policy. Rates can vary widely among companies for the exact same coverage, so be sure to get car insurance quotes from multiple insurers.

Here’s what you should do to find the cheapest car insurance.

  1. Shop around
  2. Ask about discounts
  3. Choose a higher deductible
  4. Ask about usage-based car insurance

Instant Auto Insurance Quote
Auto Insurance Washington

Auto Insurance Washington


Affordable auto insurance on and off the road

An insurance policy is more than just car insurance. It's personalized help from agents who help keep you driving forward. Get a car insurance quote and begin saving on your insurance needs.

Coverage & Policies

Ask us about all the different ways we can help protect your car.

Discounts

Learn how you can save on car insurance by asking for discounts.

Claims

Get helpful information about filing an auto claim from your insurance agent.

Best Auto Insurance Washington State


Personalized Coverages

Personalize your car insurance with the coverages you need.
We make it easy to customize your car insurance to fit your needs.

Required auto insurance coverages.
Liability Insurance pays for damages or injuries to other people and/or their property caused by an accident you're found at fault for.

Additional car insurance coverages.
Although Uninsured Motorist and Personal Injury Protection may not be required, they can provide you with an extra layer of protection. These coverages take care of damages to your car and/or injuries to you and your passengers.

We can help you pick what coverages you want.
We get it. Car insurance isn't the easiest thing to deal with. We're here to help answer any questions you may have.

Best Auto Insurance Washington State

Frequently Asked Questions

The cheapest insurance premium depends on a number of ‘responsibility’ factors and how much each company weights each factor.

  • If your driving history is clean, you have good credit, and you have carried higher liability limits for a number of years, Safeco or Progressive will most likely have the best rates for you.
  • If your driving record is clear but you don’t currently have an insurance policy or have just been carrying the state minimum, National General and Progressive will probably have the best rates for you.
  • If you have collected a couple of tickets or accidents, Dairyland or National General will probably have the best rates for you.
  • If you have had more than two accidents or are collecting tickets like they are Pokémon, then Kemper Specialty will have the best rate for you.

One of the advantages of working with an independent agent is we have multiple companies and can shop your insurance for you to get you the best rate possible.

How to Get the Cheapest Car Insurance Rates Possible:

  • Don't assume any one company is the cheapest.
  • Don't ignore local and regional insurers.
  • Ask about discounts.
  • Work on your credit.
  • Skip comprehensive and collision coverage for an older car.
  • Raise your deductible.

Sometimes the cheapest price is not the best price. Are you getting the coverage you need? Does the policy have limits and exclusions that are acceptable to you? A simple way for an insurance company to have low rates is to fight every claim. Pick a company with a good reputation and not a company whose only advertising is about saving you 15% or saving those who switch some fake dollar amount – you know it is a lie. They know it works.

If you are simply looking for the lowest insurance premium you have a number of options:

  • Raise your deductibles.
  • Only carry the coverages you must have.
  • See if your insurance company offers a renters or home insurance bundle discount. Not always cheaper to bundle auto and home together but it is worth asking.
  • Drive Defensively! Many companies have an “Accident Free” discount that you won’t get if you have a not-at-fault accident.
  • Don’t be touching your cell phone while driving! Cell phones not only distract you, making you more likely to be involved in a car accident, they also are easy tickets for police officers to write.
  • Stop collecting tickets from law enforcement officers like others collect Pokemon.
  • Improve your credit score. Yes, your credit history is a reflection of your responsibility.
  • Set your insurance policy up on Electronic Funds Transfer. If you are responsible enough to keep your checkbook balanced, most companies give a significant discount for automatic payments.
  • Get quotes from a number of companies. Each insurance companies weighs rating factors differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.