Save Money on Mitsubishi Endeavor Insurance in Seattle

Do you think you bought overpriced Mitsubishi Endeavor insurance in Seattle? It’s a common feeling and there are lots of people in the same boat.

A recent insurance study revealed that almost 70% of drivers kept buying from the same company for well over three years, and practically 40% of insurance customers have never compared quotes from other companies. Washington insurance shoppers could pocket almost 40% a year, but they don’t want to spend time to do a rate comparison.

Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers to find the best rate on Mitsubishi Endeavor insurance in Seattle.

When comparing car insurance rates, know that more quotes helps you find a lower rate.

The companies in the list below are our best choices to provide price comparisons in Washington. If several companies are displayed, it’s highly recommended you click on several of them to get a more complete price comparison.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific zip code location which can influence rates substantially.

Deductible comparison

One frequently asked question is which deductibles should you choose. The tables below outline the rate fluctuation between high and low coverage deductibles. The first data table uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific location information which can impact auto insurance rates noticeably.

Based on this data, using a $250 deductible will cost you roughly $21 more each month or $252 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 36 months between claims, you would probably come out ahead by selecting a higher deductible. The numbers below show an example of how you can do this calculation yourself.

One important issue to know is that a higher deductible results in having to pay to pay more out-of-pocket when you have to file a claim. That will require some money saved in order to pay more for the deductible.

Mitsubishi Endeavor insurance discounts in Seattle

Some insurers don’t necessarily list their entire list of discounts very clearly, so the list below contains a few of the more common and also the lesser-known credits available to bring down your rates.

• Student in College – Children who are attending college and do not have a car may be insured at a cheaper rate.
• First Accident Forgiveness – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
• Driving Data Discount – Insureds who allow their insurance company to look at their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
• Multiple Cars – Buying insurance for multiple cars with the same company can get a discount on all vehicles.
• Defensive Driving Course – Taking part in a course in defensive driver could possibly earn you a 5% discount and also improve your driving technique.
• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Air Bag Discount – Vehicles with factory air bags may get savings of 20% or more.

Just know that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Some companies who might offer these money-saving discounts are:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

When comparing rates, check with all companies you are considering to give you their best rates. Some credits might not apply in Seattle. If you would like to view insurance companies that offer multiple discounts in Seattle, click here.

Save Money with These Tips

Lots of factors are taken into consideration when quoting car insurance. Most are fairly basic like your driving record, although others are not quite as obvious like where you live or your vehicle rating.

The list below includes a few of the “ingredients” used by companies to determine rates.

Premiums may be higher where you live – Being located in smaller towns and rural areas of the country has definite advantages when it comes to auto insurance. People who live in big cities regularly have traffic congestion and more severe claims. Lower population translates into fewer accidents and lower theft and vandalism rates.

Defend yourself with liability – Your auto insurance policy’s liability coverage provides coverage when you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Improve your credit history – Credit rating will be a significant factor in determining premium rates. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit scores. If your credit is not that good, you may save money insuring your Mitsubishi Endeavor if you clean up your credit.

Do you have a demanding employer? – Occupational choices like judges, business owners and dentists tend to have higher rates than the rest of us attributed to high stress and lengthy work days. On the flip side, occupations such as professors, students and retirees have the lowest average rates.

Gender matters – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Both sexes are in at-fault accidents in similar percentages, but males cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DWI (DUI) or reckless driving.

Frequent auto insurance claims will cost you more – Insurance companies in Washington give discounts to people who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.

Deter theft and save – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.

Do you save by driving less? – Driving a lot of miles every year the higher your rate. Most companies calculate rates partially by how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than cars that get driven a lot. Having an incorrect usage rating on your Endeavor is just wasting money. Verify your vehicle rating correctly shows the correct usage for each vehicle.

Independent and exclusive auto insurance agents

Many people still prefer to talk to an insurance agent and there is nothing wrong with that. The biggest benefit of comparing rate quotes online is the fact that you can find lower prices and still buy from a local agent. Supporting local agents is important particularly in Seattle.

To help locate an agent, after submitting this short form, the coverage information is sent to participating agents in Seattle that can provide free Seattle car insurance quotes for your car insurance coverage. It makes it easy because there is no need to contact any agents since rate quotes are delivered instantly to you. You can most likely find cheaper rates and a licensed agent to work with. If you wish to compare rates from a specific insurance company, you can always find their quoting web page and complete a quote there.

If you prefer to buy car insurance from a good insurance agency, it can be helpful to understand the types of agencies and how they differ in how they quote coverages. Insurance agencies in Seattle can be categorized as either exclusive or independent (non-exclusive).

Independent Insurance Agents

Independent insurance agents are appointed with more than one company and that allows them to write policies with many different companies and potentially find a lower price. If premiums increase, an independent agent can move your coverage and you stay with the same agent.

When searching for an agent, we highly recommend that you get several quotes from independent agents to maximize your price options.

Featured below is a partial list of independent insurance agencies in Seattle that may be able to give you free car insurance quotes.

View more agents

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide one company’s prices like AAA, Allstate, and State Farm. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are very knowledgeable on the products they sell which can be an advantage.

The following is a list of exclusive insurance agents in Seattle that are able to give price quote information.

View more agents

Choosing the best insurance agent needs to be determined by more than just the premium amount. Before buying a policy in Seattle, get answers to these questions.

• Does the company have a local claim office in Seattle?
• In the event of vehicle damage, can you pick the collision repair facility?
• Where would your vehicle be repaired?
• Do they have any clout with companies to ensure a fair claim settlement?
• How much experience to they have in personal lines coverages?

Upon getting positive feedback to any questions you may have and an acceptable price quote, you’ve probably found an insurance agent that is professional and can adequately provide car insurance. But remember, you can always terminate coverage at any time so never assume that you are permanently stuck with a specific agent for any length of time.

Everyone needs different auto insurance coverages

When it comes to buying insurance from an agent or online, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

• Is water damage covered by my policy?
• How does medical payments coverage work?
• Does my Mitsubishi Endeavor qualify for pleasure use?
• What should my uninsured motorist coverage limits be in Washington?
• How much cheaper are high deductibles?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Affordable auto insurance is out there

When searching for affordable Mitsubishi Endeavor insurance quotes, don’t be tempted to skimp on coverage in order to save money. In many cases, someone dropped liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

We just presented a lot of ways to compare Mitsubishi Endeavor insurance premium rates in Seattle. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from the least-expected company. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm or Progressive.

Cheap Mitsubishi Endeavor insurance in Seattle is available online in addition to many Seattle insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide rates over the internet and many times these smaller companies work with independent insurance agents.

Even more information can be read at these sites:

• Child Safety FAQ (iihs.org)
• Who Has Affordable Seattle Car Insurance Rates for Low Credit Scores? (FAQ)
• Who Has Cheap Seattle Car Insurance Rates for a Dodge Ram? (FAQ)
• Who Has the Cheapest Auto Insurance for a Nissan Rogue in Seattle? (FAQ)
• Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Hyundai Santa Fe in Seattle? (FAQ)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Avoiding Deer Collisions (Insurance Information Institute)
• What is Full Coverage? (Allstate)
• Determing Auto Insurance Rates (GEICO)