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How to reduce your auto insurance rates

Ask about discounts

• Check with your agent or company to see if they offer special discounts.

Shop around

• Rates for the same coverage vary from company to company.
• Talk with your agent about how much coverage you need.
• You can buy insurance on online without using an agent. But make sure the company is licensed to do business in Washington state.

Find out insurance costs before you buy a car

• Premiums can vary dramatically based on the type of auto you own.
• Before you buy an auto, check with your agent or ask the company how much it will cost to insure it.

Consider higher deductibles

• The amount of the deductible you select affects your auto rate.
• You may save money by raising your collision and comprehensive deductibles. Ask your agent compare costs between plans with higher deductibles.

Do you need collision coverage?

• If have a low-value car that's paid off and you can afford to fix or replace it yourself after an accident, collision coverage (damage to your car due to colliding with another car, fence, building, etc.) may not be worth it.
• Liability coverage, however, is required in Washington state.

Avoid duplicate coverage

• Your coverage may overlap in some areas, such as medical and collision.
• Ask your agent to explain your coverage and ask if you’re duplicating coverage.

Updated 04/17/2012