In Washington State, as in most localities, you have to have car insurance. This means that you’ll need to shop around to find the best rate for your particular situation. That is unless you happen to own twenty-six vehicles. In Washington, this unusual situation would mean that you’d be able to self-insure. Since the majority of us don’t fall into this category, we need to go the old fashioned route and seek out quotes from different insurance companies.
Everyone wants to find the best rates possible, so knowing how to obtain them is important. There are a few methods that may help you to get a lower rate including:
- Put all the vehicles driven in the house on one policy. It doesn’t matter if you are living with three roommates, your spouse or you have several children who live at home that drive. Insuring multiple vehicles on one policy can give everyone a break in insurance premiums.
- Carpooling. The way that this helps to get you a better rate is that you’ll ensure the mileage on your car stays low. Many companies offer a discount to drivers who routinely drive only a few miles a month.
- Pay with a check once a year. Many people have no idea that if they have their car insurance premiums deducted from their checking or savings account each month, they are paying a fee on top of the premium. Save that money and instead spend a few cents on a stamp every twelve months.
The best possible way to find the lowest rate on your car insurance is to ask an agent about any discounts. Although they do make money by selling you the most expensive policy possible, they aren’t going to want to lose your business. Many insurance companies offer incentives that are tied into local organizations and credit card companies. Unless you ask, you’ll never know if you are already eligible for a discount on your insurance.