Hey Spokane drivers! Let’s Score those Discounts
Let’s talk about a topic that’s on all our minds: How to save on car insurance. Between fueling up and routine maintenance, driving can quickly become an expensive venture. And then there’s insurance—an unavoidable expense that can really dent your wallet. But don’t worry! we’ve got some straightforward tips to help you save on car insurance. Here’s a fresh look at how you can keep those costs in check.
What’s the Deal with Liability Insurance?
In Washington State, we all need liability insurance to hit the road. Here’s a quick rundown of what this coverage includes:
- Bodily Injury Liability: If you’re in an accident where someone gets hurt, this covers their medical expenses. It’s all about helping with the costs if someone’s injured or worse because of your driving.
- Property Damage Liability: This takes care of repairs or replacement costs if you damage someone else’s property—think their car, a fence, or even a mailbox.
Our state sets minimum split limits for these coverages: $25,000 for one person’s injuries, $50,000 for multiple people’s injuries, and $10,000 for property damage.
Why Are My Insurance Rates So High?
We hear you—insurance rates can feel like they’re sky-high. Here’s why your premium might be more than you’d like:
- Age: If you’re under 30, you’re likely paying more. Statistics show younger drivers are involved in more accidents, which drives up rates.
- Car Type: Driving a flashy sports car or high-performance vehicle can be more expensive to insure. These cars are more prone to accidents, cost more to fix, and are often targets for theft.
- Location: If you’re in a bustling part of Spokane, your insurance could be pricier. Moving to a new area? Let your insurer know, as it might affect your rates.
- Driving Patterns: The more you drive, the more you might pay. If you’re on the road a lot, it could impact your insurance costs.
- Driving and Claims History: Past accidents and claims can bump up your rates. Keeping a clean driving record can really help keep costs in check.
Smart Tips to Lower Your Insurance Costs
- Pick the Right Car: Before you buy a new ride, check with your insurance agent about how different cars will affect your rates. Consumer Reports is a handy tool to see how various models perform in terms of accidents and theft.
- Raise Your Deductible: Opting for a higher deductible (the amount you pay out-of-pocket before insurance kicks in) can lower your premium. Just make sure you’re comfortable with the higher out-of-pocket expense if you do need to make a claim.
- Ask About Discounts: There are often discounts available that you might not be aware of. Safe driving, good student grades, and adding safety features like airbags or anti-theft systems can all help reduce your rates. Don’t be shy about asking your insurer what’s available.
- Shop Around: Insurance rates aren’t one-size-fits-all. Get quotes from different companies and compare them to find the best deal. Personal recommendations and online reviews can also give you insights into how different companies treat their customers.
- Check Company Complaints: Before committing to an insurer, look into their complaint history. The Washington Office of Insurance Commissioner provides resources that can help you see how different companies stack up in terms of customer satisfaction.
Here’s to Saving on Car Insurance
While insurance is an unavoidable part of driving, you can still try to save on car insurance. By understanding what affects your rates and taking some simple steps to save, you can find a policy that fits your needs without emptying your wallet. Keep these tips in mind, and you’ll be on your way to a more affordable insurance plan. Happy driving, Spokane!
Partner with Associated Agents Group
If navigating the insurance landscape feels overwhelming, consider reaching out to Associated Agents Group at 509-928-7528. We offer personalized assistance to help you find the best rates and coverage options tailored to your needs. Our expertise in local and national insurance markets can provide valuable insights and potentially help save you money.
