Are you looking for a better way to compare more competitive Chevy Captiva Sport insurance in Tacoma? Buying budget-priced Tacoma Chevy Captiva Sport insurance quotes on the web might seem rather difficult for consumers who are beginners to quoting and comparing and buying car insurance on the web. With so many companies, how can you have a chance to compare every possible option in order to find better prices?
Unbelievably, most drivers have bought car insurance from the same company for a minimum of four years, and nearly 40% of drivers have never compared car insurance rates at all. Many consumers in Tacoma could pocket nearly 40% a year just by shopping around, but they just don't want to save money by comparing rate quotes.
It's a good idea to get comparison quotes periodically because insurance rates tend to go up over time. Even if you think you had the lowest premium rates on Chevy Captiva Sport insurance in Tacoma last year the chances are good that you can find a lower price today. There is too much inaccurate information about Captiva Sport insurance on the internet, but in a few minutes you can learn some guaranteed methods to find affordable car insurance in Tacoma.
If you have insurance now, you will be able to find better prices using the ideas covered in this article. Finding quotes for the lowest-priced insurance policy in Tacoma is not that difficult. Although Washington vehicle owners need to learn the way insurance companies determine what you pay because it varies considerably.
Don't overlook these Chevy Captiva Sport insurance discounts
Companies offering auto insurance don't always publicize every available discount very well, so the next list breaks down a few of the more well known and also the lesser-known credits that may apply to you.
- Accident Forgiveness Coverage - This isn't a discount exactly, but some companies like GEICO, Allstate and Liberty Mutual will forgive one accident without the usual rate increase so long as you haven't had any claims before the accident.
- Lower Rates for Military - Having a deployed family member could qualify you for better premium rates.
- Passive Restraints and Air Bags - Vehicles equipped with air bags may get savings of up to 25% or more.
- Federal Government Employee - Simply working for the federal government may qualify for a discount when you quote Tacoma car insurance with certain companies.
- Safe Driver Discount - Drivers who avoid accidents can pay as much as 50% less than drivers with accidents.
- Distant Student Discount - College-age children who live away from home at college without a vehicle on campus could get you a discount.
- Drive Less and Save - Low annual miles can earn cheaper car insurance rates.
- Renewal Discounts - Some car insurance companies provide a discount for switching policies prior to the expiration date on your current Captiva Sport insurance policy. It could save around 10% when you buy Tacoma car insurance online.
- Clubs and Organizations - Joining specific professional or occupational memberships or organizations could qualify you for a break when getting a Tacoma car insurance quote.
It's important to understand that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free car insurance policy, company stockholders wouldn't be very happy.
To see a list of companies that offer discounts in Washington, click here.
To find cheaper Tacoma car insurance quotes, there are several ways to obtain and compare prices from lots of Washington insurance companies. One of the best ways to find cheaper Chevy Captiva Sport rates is to use the internet to compare rates. When price shopping your coverage, comparing a large number of companies will increase your chances of finding better pricing. Some insurance companies are not set up to provide price estimates online, so you also need to get rates on coverage from those companies, too.
The providers in the list below can provide quotes in Washington. If multiple companies are shown, we suggest you visit as many as you can to get the best price comparison.
The Chevy Captiva Sport Insurance Premium Equation
Lots of factors are considered when pricing auto insurance. Some are obvious like an MVR report, but some are more obscure such as your marital status and annual miles driven.
Shown below are some of the most rate-impacting factors companies use to determine prices.
Drive less and save - The more miles you rack up on your Chevy annually the more you'll pay to insure it. A lot of insurance companies charge rates based upon how much you drive. Cars and trucks that have low annual miles can be on a lower rate level compared to those used for work or business. A policy that improperly rates your Captiva Sport can result in significantly higher rates. It's a smart idea to ensure your car insurance declarations sheet correctly shows annual mileage.
Traffic violations inflate prices - How you drive has a huge affect on how much you pay. Getting just one speeding ticket or other violation may cause rates to rise twenty percent or more. Good drivers receive lower rates than bad drivers. Drivers unfortunate enough to have careless citations such as DUI or willful reckless driving may find they need to complete a SR-22 with their state's licensing department in order to prevent their license from being revoked.
Stress out and pay more - Did you know your car insurance rates can be affected by your occupation? Jobs like military generals, business owners and miners tend to have higher average rates attributed to stressful work requirements and extremely grueling work hours. On the flip side, occupations like farmers, engineers and retirees pay the least.
Credit score impacts rates - Having a bad credit rating can be an important factor in determining your rates. If your credit rating can use some improvement, you could pay less to insure your Chevrolet Captiva Sport by improving your rating. Insureds that have high credit ratings tend to be more responsible than drivers with lower ratings.
Affects performance affects auto insurance costs - The make and model of the car you are buying insurance for makes a significant difference in your premium level. Due to the fact that the Chevrolet Captiva Sport falls in the passenger car class, insurance will be similar in price or lower than the average rate where you live in Tacoma. The lowest performance passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.
Adjust physical damage deductibles and save - Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims are colliding with a building, vandalism, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay before a claim is paid by your company. The higher the amount the insured is willing to pay, the better rate you will receive.
Better car insurance rates on safer vehicles - Safer cars tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Captiva Sport earned at least four stars on Safercar.gov it may be receiving lower rates.
Insurance losses for a Chevy Captiva Sport - Companies use past loss statistics for each vehicle as a way to help calculate a profitable premium price. Models that are shown to have higher claim amounts or frequency will have higher rates.
The table below shows the loss history for Chevy Captiva Sport vehicles. For each coverage type, the statistical loss for all vehicles averaged together equals 100. Numbers that are below 100 are indicative of better than average losses, while percentage numbers above 100 point to more frequent losses or statistically larger losses.
Car Insurance Loss Data for Chevrolet Captiva Sport Models
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Captiva Sport 4dr 2WD||89||95||88||123||115||105|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance agents near you
A lot of people would prefer to buy from a local agent and that is a smart decision A good thing about comparing car insurance online is the fact that drivers can get the best rates and still have a local agent.
Once you complete this short form, your information gets sent to agents in your area who will give you bids for your insurance coverage. There is no reason to contact any agents as quotes are delivered to you directly. You can most likely find cheaper rates without a big time investment. If you have a need to quote rates from a specific insurance company, you just need to find their quoting web page and fill out the quote form the provide.
Picking an insurer requires you to look at more than just a cheap price. These are some questions your agent should answer.
- Can they help ensure a fair claim settlement?
- Is there a local claims center in Tacoma?
- Is the agency active in community causes in Tacoma?
- Are they full-time agents?
- What is their Better Business Bureau rating?
If you prefer to buy car insurance from a good Tacoma insurance agent, it's important to understand the types of insurance agents that differ in how they can insure your vehicles. Car insurance agents are either exclusive agents or independent agents.
Exclusive Insurance Agents
These agents can only provide pricing for a single company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare rates from other companies so you might not find the best rates. Exclusive agents are well schooled on what they offer which helps them sell insurance even at higher premiums. A lot of people buy from the same agent for years primarily because of the brand legacy rather than having low rates.
Listed below are Tacoma exclusive insurance agents who can help you get comparison quotes.
- American Family Insurance - Dominic Batten
15711 Pacific Ave S - Tacoma, WA 98444 - (253) 722-2886 - View Map
- Farmers Insurance - Jerry Hallman
1106 S Yakima Ave - Tacoma, WA 98405 - (253) 272-1843 - View Map
- Farmers Insurance - Colleen Casey
6720 Regents Blvd #112 - Tacoma, WA 98466 - (253) 365-6486 - View Map
Independent Agents (or Brokers)
Independent agents do not work for one specific company so they can write business with a variety of different insurance companies and get the cheapest rates. If your agent finds better pricing, your policy is moved internally which requires no work on your part. If you are comparing car insurance prices, you will want to contact a few independent agents so that you can do a thorough price comparison. A lot of them also have access to less well-known companies that may have much lower rates than larger companies.
The following is a list of independent agents in Tacoma who can help you get comparison quotes.
- American Underwriters Insurance
6429 S Tacoma Way - Tacoma, WA 98409 - (253) 473-1415 - View Map
- Propel Insurance
1201 Pacific Ave #1000 - Tacoma, WA 98402 - (253) 759-2200 - View Map
- Nationwide Insurance: Butler Insurance Services Incorporated
4527 S Orchard St W - Tacoma, WA 98466 - (253) 336-8900 - View Map
Here's why insurance is not optional
Despite the high cost, insurance may be required and benefits you in several ways.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you drive a vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your car, most lenders will stipulate that you have insurance to guarantee loan repayment. If you default on your policy, the bank may buy a policy for your Chevy at a significantly higher premium and force you to pay much more than you were paying before.
Third, insurance protects both your Chevy Captiva Sport and your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays more than $810 a year so compare rate quotes at every renewal to ensure rates are inline.
Persistent drivers can save
Cheaper insurance in Tacoma can be bought both online and from local agencies, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies only sell through independent insurance agents.
In this article, we covered many tips how you can shop for Chevy Captiva Sport insurance online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the best prices are with a company that doesn't do a lot of advertising.
Consumers who switch companies do it for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, questionable increases in premium and delays in responding to claim requests. Regardless of your reason, finding a new insurance company is pretty easy and you might even save some money in the process.
Much more information about insurance in Washington is available on the following sites:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- What is the Best Car Insurance in Lakewood, Washington? (FAQ)
- Who Has Affordable Washington Auto Insurance for Lyft Drivers? (FAQ)
- What Auto Insurance is Cheapest for Active Military in Washington? (FAQ)
- Who Has Cheap Car Insurance Rates for Used Cars in Washington? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)