Seattle Auto Insurance
Finding the right auto insurance in Seattle, WA can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your car insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. There are many auto insurance companies in Seattle to choose from and we’re here to ensure you find the right one for your needs, not just the cheapest auto insurance in Washington State.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your car insurance needs in Washington. Our insurance agency in Seattle can help you find the right coverages at the right price. We’re an independent agent, so we can shop multiple insurance carriers at once – not just one like some others.
How much auto insurance is right for you?
Our team of insurance professionals understands the Washington car insurance needs of our customers. We have the ability to quote multiple companies and can compare Seattle car insurance rates for you. In fact, we represent some of the best insurance companies in Seattle like PEMCO, Safeco, The Hartford, Progressive, Metlife, AARP and more!
Auto insurance requirements vary by state. In some states, to drive you must carry:
- Liability coverage to pay for losses you cause others
- No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
- Both liability and no-fault coverage.
We write insurance in Washington State and would be happy to help you ensure you have the right car insurance coverage.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having auto insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have car insurance which covers damage to your vehicle. This includes:
- Collision Insurance in Washington
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
- Comprehensive Insurance in Washington (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – talk to us today to find out how to get the best price and value on Seattle car insurance for you. We have a licensed insurance agent in Seattle waiting for your call.
How Can I Save Money on My Car Insurance?
For years we have all been flooded with auto insurance commercials talking about various discounts offered in the insurance industry for auto insurance. There are the standard ones: multi-policy, multi-vehicle, etc., but there may be some other discounts that drivers are not aware of. We have compiled some of the additional insurance discounts offered by various insurance companies. Could you be saving money with these discounts? Be sure to ask your local insurance agent about special discounts that may apply to your specific situation.
These discounts vary by state, so it is best left to a local agent to let you know which ones apply.
Possible Auto insurance discounts in Washington:
- Multi-policy: Bundling multiple polices like auto insurance, home and boat with the same insurance carrier can save you some money.
- Good or distant student: If your student keeps their grades above certain level (as designated by the insurer) they may be eligible for a good student discount. The insurance carrier will need proof, typically sending a transcript will suffice. If your student is attending college at a distant (typically more than 500 miles from home, but that varies by carrier) you may be eligible for a discount on the vehicle since it may not be driven as much.
- Education level: Like an extension of the good student discount, drivers who hold advanced degrees, like a bachelor’s degree, may qualify for a discount.
- Defensive Driver: Taking a carrier approved defensive driving course could earn you a discount on your auto insurance policy. Check with your insurance agent, as this type of discount may be limited to certain age groups.
- Multi-vehicle: Like a multi-policy discount, insuring multiple vehicles with the same carrier may earn you a small discount.
- Green vehicle: If you drive an electric or hybrid vehicle, you may be eligible for a discount. Ask your agent to see if your vehicle qualifies.
- Anti-theft: Vehicles with anti-theft systems statically tend to be stolen less often, thus a lower risk. You may be entitled to a small discount if your vehicle meets the criteria.
- Anti-lock brakes: The anti-lock brake feature is standard on almost all new vehicles. Check with your insurance agent to see if your carrier provides a discount for anti-lock brakes.
- Safe driver (accident free): Many major insurance carriers will award safe driving discounts to drivers who have been accident free for a number of years. The criteria varies between insurance carriers.
- Military: Active and veteran military members are often eligible for discounted auto insurance. Ask your insurance agent to see if you qualify.
- Early quote/signing: If you are looking to change insurance carriers or upgrade your auto insurance, getting a quote (and signing up) before your current policy has expired may get you a discount. You may need to get a quote within a certain number of days prior to your policy expiration, so check with your agent.
- Paid-in-full: You’ll see the discount reflected in the price when you are presented with your options for paying your auto insurance policy. Paying off the policy in full will cost you a little less than paying every month.
- Paperless: Don’t want to get a paper statement? Great, you get a discount. Most major insurance carriers offer discounts for customers who choose to do automatic billing and receive emails rather than paper statements.
- Loyalty: Sticking with your insurance carrier for three or more years could earn you a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!
Frequently Asked Questions about Auto Insurance
Who has the cheapest auto insurance?
No one company always offers the cheapest auto insurance. You should shop your auto insurance with an independent agent so they can quote you multiple companies at once so then you can compare coverage and pricing that suits your needs and budget.
What insurance is required for a car?
Typically, liability insurance is the only required insurance coverage. Beyond that, if you have a loan on your vehicle your lender will require you to carry full coverage on the vehicle until it is paid off.
Who has the best auto insurance?
The best auto insurance is the company that has the best coverage and pricing for your situation. No one company offers “the best car insurance.” It is purely dependent on your needs, budget, and coverage requirements.