Carry A High Deductible

When you place your deductible rate high, let’s say $1,000 that will mean that in case of an automobile accident and your insurance company is accountable to cover the claim (usually meaning YOU were responsible of the accident) you would then pay out the very first $1,000 of the claim.

Car insurance provider do that so you will end up less likely to file a claim, because you will end up responsible for $1,000 of that claim. You’ll never want to report a claim for anything a smaller amount or even slightly more than your deductible amount because of a high probability your future rates will increase.

If you are a safe driver, then chances are you’ll not report a claim and can keep your savings you will end up rewarded with for having a high deductible.

Should you do have a claim, you simply pay the deductible amount if the insurance policy pays the claim. So 2 things have to happen here before you’ll be liable for the $1,000. You have to have any sort of accident and report a claim, and you should be at fault and your insurance pays the claim.

Other deductions

• Combine insurance policies that you have because car insurance companies usually give discounts for multiple insurance polices if you get it with the same company.
• Retired and active military gets discounts as well
• If you are a senior, you can get reduced car insurance rates
• Being a member of an oranization can allow you to get discounts on your insurance depending on the insurance company
• If you are a student and you have a GPA of B or higher, you can get discounts as well
• If you have taken a defensive classes lately, you can get lower car insurance
• Does your vehicle have all the available safety features like side impact airbags
• If you have a small compact car, that means you will get lower car insurance compared to those who are driving luxury cars
• How is your credit score – a low credit score can effect your premiums
• Living in an area with low crime and traffic rate generally gets lower premiums

I’m buying a car soon and I want to find out how I can get good car insurance rates for it. Any tips?

Grey

Seattle, WA

Those who have bought car insurance before would tell you that having to call up many different agents or consulting brokers is not the most fun way to spend an afternoon. Luckily times have changed and it is now much easier to find the best car insurance rates for you. Here are some tips:

1. Compare Rates Online – Use car insurance comparison websites. You get free access to the latest car insurance quotes and are able to compare offers coming from many different car insurers simultaneously. This is the quickest way to maximize your chances of finding the best rates out there in very little time at all.

2. Visit Rating Agency Websites – You want to spend some time on the websites of agencies like Moodys, A.M. Best and J.D. Powers. These are independent rating agencies that can tell you which companies have the best scores when it comes to customer service, pricing, claims handling, etc. This will help you identify the best car insurers to go with.

3. Get Some Discounts – Getting cheap quotes is one thing, being able to reduce your total insurance rates is another. Discounts are an excellent way to do this. There are a lot available so there’s a good chance you’ll qualify for at least one. Always ask an insurer about discount options.

4. Optimize Your Coverage – Go on a yearly payment plan if you can, this will reduce your rates or make you eligible for discounts. Remove unnecessary coverage items on your policy as well. You also probably don’t need full comprehensive coverage if you drive an old vehicle as well.

I’m looking to buy a second car for my town house here in Everett, Washington and I wanted to know what attributed of a vehicle would affect its insurance rates?

Myers

Everett, WA

The kind of vehicle you have, make and model, coupled with the location where you live, your age and driving record will have a big impact on how your car insurance rates will come out. But let’s focus just on the things in your car that can affect your insurance rates there in Everett, Washington:

Make and Model
whoever you choose to buy a car from and the particular model you choose, are all part of a rating system that an auto insurance company will look into as part of the process of determining your rates. They will look into statistical data from sources such as the Insurance Institute for Highway Safety showing the likeliness or frequency of this manufacturer’s vehicle getting involved in car accidents. This spans years of accumulated data and information, giving insurance companies valuable information in their end to compute insurance rates.

Car Theft
If you have a top of the line vehicle, it will be more prone to car theft and vandalism as compared to an older model. Since car insurance companies insure the financial worth of your vehicle a newer, more expensive kind or model of vehicle will translate into higher insurance premiums.

Safety Features
Finally, the safer and more secure your car is from accidents and theft(installing anti-lock breaks, for example) the better your chances of getting lower insurance rates.

What kind of car insurance can I get if I don’t own a car but would occasionally borrow a friend’s vehicles here in Washington?

Kathy

Bellevue, WA

Dear Kathy, You would want to get a Non-Owner’s Auto Liability Insurance coverage there in Washington. A Non-Owners Liability Insurance policy will make sure that a person who don’t own a vehicle but rent or borrow a car from time to time will have adequate financial capability to compensate for any injury or damages he/ she may have caused a person or property while driving the rented or borrowed vehicle.

Specifically, Non-Owner’s auto insurance will provide the following coverage:

Bodily Injury liability Coverage
Covers you from any claims or lawsuits against you for injuries or deaths you may have caused in a car accident. This also pays for legal fees you may have incurred.

Property Damage Liability
Pays for the repair or replacement of damages caused by a non-owner to private or public properties while on the rented or borrowed car.

This would be a very responsible thing to do in behalf of the person you will be borrowing a vehicle from. It could also mean saving money on having to get rental car insurance should you need to rent a car, which could be much more expensive and charges you on a daily basis. It is highly recommended that you get Online quotes as well whenever looking for non-owners insurance since you can get very good rate comparisons to help you choose the best car insurance rates even if you don’t own a vehicle at the moment.

I have an older car model which is already used when I purchased it and I think that I pay too much for my car insurance here in Washington. Does the age and value of the car have a bearing on my car insurance rates?

Talan

Enumclaw Plateau, WA

Yes, of course, the age and value of the car that you drive have an influence on the premiums of your car insurance in Enumclaw Plateau, Washington. Since you purchased a used and older car model, its value might be lower than on its better days. In this case, you don’t need to pay for very expensive car insurance and you may consider dropping your comprehensive coverage.

One good suggestion that is wise to follow is to multiply your car insurance rates by 10 and compare it with the value of your car. So if for instance you are paying $1000 for your auto insurance and your vehicle is worth less than $10,000, you may want to weigh over if comprehensive coverage represents good value.

If you cancel your collision coverage and/or comprehensive coverage, you may be able to get a lot of savings on your car insurance. Also, think about it real hard that the whole idea of having a used and older car model is to save you a lot of money.

I’m a busy career woman and I want to look for cheaper Car Insurance here in Seattle, Washington but the problem is, I don’t have any means on how to, Is there any way that I can shop a Car Insurance through the internet?

Lila

Seattle, WA

With this century, yes, you can already do shopping online not only for clothes, appliances and other technologies but also insurances—life insurance and definitely car insurance. The good thing with this is, it’s just like a marketplace where you can choose the best one for you for there are many varieties. There are online car insurance companies and agents that have reasonable rates for you. And I assure that car insurance shopping online can give you dependable and rapid service that is reasonable enough for you.

There are Car Insurance Companies that are also online in Seattle, Washington that offers all the citizens of every city in the state. You just have to request quotes from the Car Insurance Website you have searched. You can also see that there has been a change in the Car Insurance rates as years pass by here in Washington. As for 2003, Car Insurance rates have increased for 18%. But you can see a decrease of O.5% in 2007. This was the first time that Car Insurance has decreased. Other Insurance Companies are doing the best they can to make the Car Insurance to be affordable to everyone. Save money and time, get online and request for quotes now.

Do I have to consider the kind of car that I will purchase here in Everett, Washington if I’d like to have lower car insurance rates?

Tavion

Everett, WA

Yes, you have to take into consideration the kind of car that you will purchase in Everett, Washington if you would like to pay lower rates on your car insurance. Low profile vehicles usually are those that have lower car insurance rates. If the type of car that you have is in the higher risk of being stolen, then most likely, your rates will be higher than the rates of an average driver. Most car insurance companies take a look at the type of vehicle that are stolen frequently and necessarily adjust their rates.

According to the National Insurance Crime Bureau, the average number of vehicles being stolen has been dropping in the previous years because of increased surveillance and more security devices being installed. This is great news for every driver but it still essential to recognize the type of car you drive and to figure out that risk it has of being stolen. Although theft has been going down, the type of vehicles that are most stolen are still the same kinds of vehicle in general.