No one wants to pay more for their auto insurance than they have to. In Washington State, your auto insurance rates depend on a number of things. By law, insurance companies in Washington can think about a lot of different things when giving you a quote. These range from how old you are to how good your credit is. Even though you can't change some of these things, there are some things you can do to make sure you get a better rate.
Obviously, the type of car you drive has a big impact on how much you'll end up paying for car insurance. Some cars not only cost more to buy, but they also cost more to fix. Insurance companies know this, too, and it may show up in the price you pay for car insurance. If you buy a less expensive car, your insurance rates will go down.
Some auto insurance companies will give you discounts or rebates if you take extra care of your car. Usually, this means that if you put an alarm on your car, you might be able to get a lower rate. You'll need to show proof that the alarm was installed. This could be a receipt for the work or a visit to the insurance company's office. In either case, it's a good question to ask. You'll save money on your insurance premiums, and your car will be less likely to be broken into or stolen.
Ask any possible auto insurance companies in Washington if your premiums will go down if you take a higher deductible. Even though this will cost you more if you get into an accident, it should save you a lot on your annual insurance costs as a whole. Most policies have a standard deductible, so make sure you know what it is before you sign up.
