Are you tired of trying to find the cheapest insurance rates in Vancouver, WA? When searching for cheaper insurance, are you confused by the crazy number of insurance sources in Vancouver? You have so many sources available that it can really be more work than you anticipated to find a more affordable company. Everyone knows Vancouver has lots to offer, but high insurance prices makes it impossible to affordably buy enough coverage.

Unbelievably, a large majority of consumers have remained with the same insurance company for four years or more, and nearly 40% of drivers have never compared insurance rates at all. Washington drivers could save up to 40% a year by just comparing rate quotes, but they assume it's a waste of time to compare rate quotes.

You need to do rate comparisons at least once a year because insurance prices change frequently. Even if you think you had the best deal on insurance last year you may be paying too much now. There is a lot of wrong information about insurance on the web, but I'm going to show you some tested techniques to lower your insurance bill.

It's important to know that comparing a wide range of rates helps you find the best price. Not every company provides quotes over the internet, so it's recommended that you also compare price estimates on coverage from those companies, too.

The following companies have been selected to offer free quotes in Vancouver, WA. If more than one company is shown, it's a good idea that you click on several of them to find the most competitive auto insurance rates.

Insurance Costs for Popular Vehicles in Vancouver
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,128 $564 $94
Chevrolet Silverado LT Extended Cab 4WD $1,004 $502 $84
Dodge Ram Quad Cab Laramie 2WD $926 $463 $77
Ford Edge SE 2WD $934 $467 $78
Ford Escape XLS 2WD $694 $347 $58
Ford Explorer Eddie Bauer 4WD $1,300 $650 $108
Ford F-150 Lariat Crew Cab Harley 4WD $1,416 $708 $118
Ford Focus SES 2-Dr Coupe $856 $428 $71
Honda Accord LX-S 2-Dr Coupe $1,090 $545 $91
Honda CR-V EX 4WD $794 $397 $66
Honda Civic LX-S 4-Dr Sedan $948 $474 $79
Hyundai Sonata GLS 4-Dr Sedan $1,196 $598 $100
Mazda 3 S Sport 4-Dr Sedan $1,270 $635 $106
Nissan Altima 3.5 SR 4-Dr Sedan $968 $484 $81
Nissan Rogue SL 2WD $994 $497 $83
Toyota Camry LE $1,266 $633 $106
Toyota Corolla LE $1,350 $675 $113
Toyota RAV4 Limited 2WD $774 $387 $65
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise rates noticeably.

Physical damage deductibles

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The comparison tables below approximate the premium difference when you choose different physical damage coverage deductibles. The first data set uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Pilot insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $254 $376 $294 $18 $88 $1,055 $88
Pilot EX 2WD $286 $376 $294 $18 $88 $1,087 $91
Pilot EX 4WD $286 $376 $294 $18 $88 $1,087 $91
Pilot EX-L 2WD $286 $458 $294 $18 $88 $1,169 $97
Pilot EX-L 4WD $286 $458 $294 $18 $88 $1,169 $97
Pilot Touring 2WD $286 $458 $294 $18 $88 $1,169 $97
Pilot Touring 4WD $286 $458 $294 $18 $88 $1,169 $97
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Honda Pilot insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $186 $254 $294 $18 $88 $840 $70
Pilot EX 2WD $208 $254 $294 $18 $88 $862 $72
Pilot EX 4WD $208 $254 $294 $18 $88 $862 $72
Pilot EX-L 2WD $208 $310 $294 $18 $88 $918 $77
Pilot EX-L 4WD $208 $310 $294 $18 $88 $918 $77
Pilot Touring 2WD $208 $310 $294 $18 $88 $918 $77
Pilot Touring 4WD $208 $310 $294 $18 $88 $918 $77
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in zip code location which can revise insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible costs roughly $19 more each month or $228 for a full year than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 21 months between claims, you would save more money if you choose the higher deductible.

Policy deductible comparison

The illustration below demonstrates how deductibles and can influence Ford Escape insurance rates for different insured age categories. The costs are based on a single male driver, full coverage, and no discounts are applied to the premium.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Why you need auto insurance

Even though it can be expensive, maintaining insurance may be required and benefits you in several ways.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. On average, a vehicle owner in Vancouver is overpaying over $850 per year so compare rates at every renewal to be sure current rates are still competitive.

You have control over your insurance premiums

Many different elements are part of the calculation when premium rates are determined. Some factors are common sense such as your driving record, although others are less obvious such as whether you are married or your commute time.

The factors shown below are a few of the things that factor into your premiums.

Get cheaper rates by earning discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that many people don't even know exist. Some of these discounts will be visible at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.Save money with discounts

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you could get a free auto insurance policy, it's just not the way it works.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

If you want cheap Vancouver car insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts might not be offered everywhere. To choose providers with discount auto insurance rates in Washington, click here to view.

Local neighborhood agents and auto insurance

A lot of people would prefer to get professional advice from a licensed agent and doing so can bring peace of mind A good thing about comparing rate quotes online is that drivers can save money and get the lowest rates but still work with a licensed agent. Buying insurance from local insurance agencies is important especially in Vancouver.

Once you complete this short form, the quote information is submitted to local insurance agents who will return price quotes for your insurance coverage. There is no need to search for any insurance agencies as quotes are delivered directly to you. You can find better rates AND a local agent. If you have a need to compare rates from a particular provider, you just need to search and find their rate quote page and fill out the quote form the provide.

Two types of car insurance agents

If you want to buy auto insurance from a good Vancouver insurance agent, there are a couple of different agency structures and how they can quote your rates. Auto insurance agents in Vancouver are either independent or exclusive.

Independent Auto Insurance Agencies

Independent agencies are appointed with more than one company and that allows them to write policies through many different auto insurance companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies and that require little work on your part. When shopping rates, it's recommended you get rate quotes from a couple of independent agencies in order to compare the most rates. Most independent agents also contract with smaller companies which could offer lower prices.

Below is a short list of independent insurance agents in Vancouver who may be able to give you pricing information.

View more Vancouver agents

Exclusive Insurance Agents

These type of agents have only one company to place business with and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are highly trained on sales techniques which aids in selling service over price. Drivers often buy from the same agent for years mainly due to the brand and the convenience of having all coverages with one company.

Listed below is a list of exclusive agents in Vancouver willing to provide price quote information.

View more Vancouver agents

Deciding on an auto insurance agent requires more thought than just a cheap price. These are valid questions to ask:

Auto insurance claim statistics

Which makes and models have the fewest claims? The following tables outline the good and bad makes and models for the overall chance of having to file claims for each type of coverage.

Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Porsche Panamera GTS
Infiniti QX50 Maserati Quattroporte
Ford F-350 BMW M6
Nissan Xterra Mercedes-Benz S Class
Chevy Spark Bentley Continental GTC
GMC Sierra 2500 Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Auto Insurance Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Audi RS7
GMC Canyon Bentley Continental Flying Spur
Ford F-150 SuperCrew Nissan GT-R
Ford Edge Ferrari 458
Ford F-250 SuperCab Bently Continental GTC
Chevrolet Colorado Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Car Insurance Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Dodge Charger
Fiat 500 Mitsubishi Mirage
Audi A6 Chevrolet Sonic
Subaru Outback Kia Rio
Subaru Forester Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Nissan Sentra
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Nissan Versa
Tesla Model S Chevrolet Sonic
Ford Expedition Dodge Charger
Ford F-250 SuperCrew Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistence will pay off

Insureds switch companies for a variety of reasons including lack of trust in their agent, poor customer service, questionable increases in premium or not issuing a premium refund. Regardless of your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

In this article, we presented a lot of information how to compare car insurance rates in Vancouver. It's most important to understand that the more you quote Vancouver car insurance, the better chance you'll have of finding inexpensive Vancouver car insurance quotes. You may even find the lowest rates are with some of the lesser-known companies.

More affordable car insurance in Vancouver can be sourced online and also from your neighborhood Vancouver agents, so you should compare both to have the best selection. There are still a few companies who do not offer online price quotes and usually these regional carriers only sell through local independent agencies.

For more information, link through to the following helpful articles: