Tips for Finding Car Insurance: Kent, WA

Choosing an auto insurance company is difficult as there are many companies competing against each other. Typically, the major difference between companies is the extra offers besides liability, collision, and comprehensive. Liability covers one if one is held liable when one’s vehicle injures another or damages another’s property. Collision coverage allows one to claim damage to one’s vehicle as the result of impact with another vehicle or object. Comprehensive coverage insures one’s vehicle against events like theft, vandalism, or falling and flying objects. Some extras that insurance companies offer to customers are multi-policy discounts, good driver discounts, discounts for students with good grades, or even multi-vehicle discounts. Multi-policy discounts allow one to bundle one’s home insurance, renters insurance, and automobile insurance. Good driver discounts are sometimes a feature for those who have not had any accidents or speeding tickets for a year or more. Multi-vehicle discounts are offered for those with two or more vehicles.

Consider the following tips when looking for car insurance Kent area. One should know that automobile insurance for new drivers is more expensive because they do not have a history to fall back on. Shopping around and gathering quotes for new drivers is best to find the lowest rates. To reduce one’s rates, one should build up a good driving record with minimal to no at-fault accidents or tickets. Newer cars and the vehicle type affects rates. For example, Sports Utility Vehicles (SUVs) and sports cars are much more expensive because of the repair costs should the vehicle be hit.

Theft rates and a vehicle model’s safety are also taken into account when considering insurance rates. When talking to a car insurance Kent representative, ask how the company rates tickets and accidents. Some companies raise rates for accidents but not for tickets; the reverse can be true as well. Occasionally, auto insurers will give lower rates to those who drive less than 7,500 miles per year. By increasing one’s deductible for an existing insurance policy, one can lower the premium rates. A new trend among insurer’s is using an individual’s credit score when setting rates.
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