How many times have you said it's time to compare more affordable auto insurance rates in Seattle, WA? Seattle buyers have options when searching for the best price on Chevy Cruze insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to get rate quotes. There are both good and bad ways to shop for auto insurance so we're going to tell you the quickest way to compare rates for a Chevy and get the lowest possible price either online or from Seattle insurance agents.
Shocking but true, most drivers kept their coverage with the same auto insurance company for more than four years, and virtually 40% of consumers have never taken the time to shop around. Washington consumers could save an average of nearly $430 each year just by comparing rates, but they just feel it's too hard to compare rate quotes online.
If you're already insured or want to find a cheaper company, use these money-saving tips to shop for the lowest rates and still have adequate protection. This information will familiarize you with the best ways to compare prices and some money-saving tips. You only have to learn the most efficient way to compare rate quotes online from multiple companies.
Getting a low cost price on insurance is actually quite simple. All that's required is to invest a few minutes comparing price quotes from different insurance companies.
The providers in the list below can provide free quotes in Washington. If multiple companies are listed, we suggest you compare several of them to find the most affordable car insurance rates.
Why you need quality insurance for your Chevy vehicle
Despite the fact that insurance is not cheap in Seattle, buying insurance is mandatory in Washington but it also protects more than you think.
- Most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to get the vehicle licensed. 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.
- If your vehicle has a loan, most lenders will force you to carry insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Chevy at a much higher premium rate and force you to reimburse them for it.
- Insurance preserves your Chevy Cruze and your assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $825 a year so it's important to compare rates each time the policy renews to make sure the price is not too high.
Washington drivers can't get away from all the ads that claim the best rates by 21st Century, Allstate and State Farm. They all seem to make an identical promise that people will save if you just switch your coverage to them.
How does every car insurance company sell you cheaper insurance coverage? It's all in how they say it.
Many companies have specific criteria for the type of driver that will be a good risk. A good example of a driver they prefer may need to be over the age of 45, has other policies, and insures a new vehicle. Any customer that hits that "sweet spot" gets the lowest prices as well as save when switching.
Insureds who don't meet those standards will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The trick is to say "customers who switch" but not "all drivers who get quotes" save that much when switching. That is how insurance companies can confidently claim big savings. Different companies use different criteria so you absolutely need to compare quotes as often as possible. It's just too difficult to predict which insurance companies will have the best Chevy Cruze insurance in Seattle.
These six discounts can lower your car insurance rates
Some insurance providers don't always list their entire list of discounts in an easy-to-find place, so the next list breaks down some of the best known and the harder-to-find ways to save on car insurance. If you are not receiving all the discounts available, you could be paying more than you need to.
- Discounts for Multiple Vehicles - Drivers who insure more than one vehicle on one policy may reduce the rate for each vehicle.
- ABS Braking Discount - Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
- Early Switch Discount - Some companies give discounts for switching policies before your current Cruze insurance policy expires. This discount can save up to 10%.
- Drivers Education - Have your child enroll and complete driver's education if offered at their school.
- Safety Restraint Discount - Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Drive Less and Save - Low mileage vehicles could qualify for cheaper prices.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, insurance companies wouldn't stay in business.
Popular car insurance companies and the discounts they provide are:
- Progressive has savings for good student, homeowner, multi-vehicle, online signing, and online quote discount.
- AAA may include discounts for anti-theft, multi-car, good driver, pay-in-full, education and occupation, and good student.
- Farmers Insurance offers premium reductions for good student, multi-car, pay in full, mature driver, and switch companies.
- GEICO may have discounts that include driver training, membership and employees, anti-theft, good student, and five-year accident-free.
- Esurance policyholders can earn discounts including paid-in-full, renters, safety device, homeowner, good student, and DriveSense.
- SAFECO discounts include anti-lock brakes, teen safety rewards, teen safe driver, bundle discounts, and drive less.
- State Farm has discounts for multiple policy, multiple autos, good student, good driver, and passive restraint.
It's a good idea to ask all the companies what discounts are available to you. Some credits may not apply to policies everywhere. To view companies that offer the discounts shown above in Seattle, click this link.
When to talk to an insurance agent
Some people prefer to sit down with an agent and that is a personal choice. Insurance agents can make sure you are properly covered and will help you if you have claims. One of the best bonuses of comparing rates online is you can get the lowest rates and still have a local agent.
Once you complete this quick form, your coverage information is submitted to local insurance agents who want to provide quotes for your coverage. You never need to visit any agencies due to the fact that quote results will go to your email. In the event you want to compare rates from a specific company, you can always search and find their rate quote page and fill out their quote form.
Finding the right insurance company is decision based upon more than just a cheap price. The following questions are important to ask.
- Is there a 24/7 contact number?
- Does the agent help file claims?
- Are there any discounts that you might be missing?
- Can you choose the body shop in case repairs are needed?
- Is there a local claims center in Seattle?
- Are aftermarket or OEM parts used to repair vehicles?
Insurance coverage options for a Chevy Cruze
Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Collision coverage - This coverage will pay to fix damage to your Cruze caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible on your Cruze to bring the cost down.
Comprehensive protection - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as fire damage, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.
Medical expense coverage - Coverage for medical payments and/or PIP kick in for expenses like nursing services, chiropractic care, funeral costs, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Liability car insurance - Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people's claims, and doesn't cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/10 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.
Liability coverage protects against claims like loss of income, emergency aid, repair bills for other people's vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible. Washington requires minimum liability limits of 25/50/10 but drivers should carry higher limits.
Uninsured or underinsured coverage - Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Chevy Cruze.
Due to the fact that many Washington drivers have only the minimum liability required by law (Washington limits are 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
A little work can save a LOT of money
People leave their current company for a number of reasons such as delays in paying claims, delays in responding to claim requests, unfair underwriting practices and being labeled a high risk driver. Whatever your reason, switching car insurance companies can be easier than you think.
We just presented many ways to shop for Chevy Cruze insurance online. The key concept to understand is the more companies you get auto insurance rates for, the better chance you'll have of finding low cost Seattle auto insurance quotes. You may even discover the lowest rates come from the least-expected company.
The cheapest Chevy Cruze insurance in Seattle is attainable both online and with local Seattle insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not have online quoting and these small insurance companies prefer to sell through local independent agents.
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- Preventing Carjacking and Theft (Insurance Information Institute)
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