Save Money on Toyota Sequoia Insurance in Seattle

Do you want to save money by finding the cheapest insurance rates in Seattle, WA? Seattle drivers have many options when trying to find affordable Toyota Sequoia insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There is a better way to shop for insurance and you need to know the best way to price shop coverage for your Toyota and obtain the lowest price from Seattle insurance agents and online providers.

It’s a good habit to get comparison quotes every six months because insurance prices go up and down regularly. Even if you think you had the lowest price on Toyota Sequoia insurance in Seattle last year you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn the best methods to find the best coverage while lowering your premiums.

The companies in the list below provide price quotes in Seattle, WA. If multiple companies are shown, we recommend you click on several of them to get the most affordable price.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific location which can revise auto insurance rates noticeably.

Physical damage deductibles

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below determine the rate difference when you choose different coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in Seattle location which can raise or lower insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $24 more each month or $288 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at least 17 months between claims, you would save more money if you choose a higher deductible.

Choosing Toyota Sequoia insurance is an important decision

Despite the fact that car insurance is not cheap in Seattle, insuring your vehicle is required by state law in Washington and it also provides benefits you may not be aware of.

• Just about all states have mandatory insurance requirements which means you are required to carry a minimum amount of liability if you want to drive legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Toyota has a lien holder, it’s guaranteed your bank will make it mandatory that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Toyota for a lot more money and make you pay for the much more expensive policy.
• Insurance protects both your assets and your car. It will also pay for most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance definitely exceed the price paid, especially when you need to use it. Today the average American driver is wasting up to $700 annually so compare rate quotes at least once a year to help ensure money is not being wasted.

But the ad said I’d save 15% in 15 minutes!

Washington drivers can’t escape the ads for the lowest price car insurance from the likes of Allstate, GEICO and Progressive. All the companies try to convey promises about saving some big amount just by switching your policy.

How is it plausible that every one can sell you cheaper insurance coverage? Here is how they do it.

Companies have an ideal profile for the type of customer that is profitable for them. One example of a preferred risk might be a female over age 40, has a clear driving record, and drives a car with an anti-theft system. Someone who fits that profile will get a cheap rate quote in Seattle and will also save when switching.

Potential customers who don’t qualify for those standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can advertise the way they do.

This really illustrates why you really need to do a rate comparison at every renewal. Because you cannot predict with any certainty which company will fit your personal profile best.

Get affordable rates with discounts

Some insurers do not advertise the entire discount list very well, so the following list contains both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.

• Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
• Multiple Policy Discount – If you combine your home and auto policies and insure them both with the same insurance company you could get a discount of up to 20% off your total Sequoia insurance premium.
• Safety Course Discount – Passing a defensive driving course could cut 5% off your bill if you qualify.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Paperless Signup – Many companies will give you a small discount shop Seattle auto insurance online.
• Discount for Swiching Early – A few companies give discounts for switching companies early. You could save around 10% when you buy Seattle auto insurance online.
• Distant Student – Children who attend college more than 100 miles from Seattle and won’t have access to an insured vehicle may qualify for this discount.
• Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
• Drive Safe and Save – Accident-free drivers may save up to 50% more than drivers with accidents.

Please keep in mind that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky.

A list of companies and their possible discounts are detailed below.

• Farmers Insurance includes discounts for teen driver, pay in full, distant student, switch companies, and alternative fuel.
• State Farm has savings for multiple autos, student away at school, safe vehicle, Drive Safe & Save, and good driver.
• Liberty Mutual offers discounts including new graduate, hybrid vehicle, exclusive group savings, multi-policy, newly married, and safety features.
• MetLife may offer discounts for good student, defensive driver, good driver, claim-free, accident-free, and multi-policy.
• Progressive offers discounts for online quote discount, multi-vehicle, homeowner, good student, continuous coverage, and multi-policy.

When quoting, ask all the companies which credits you are entitled to. Some discounts listed above may not apply to policyholders in your state.

Local agents and insurance

Some consumers would rather sit down and talk to an agent and that is a personal choice. Most agents can make sure you are properly covered and help file insurance claims. A nice benefit of price shopping on the web is that drivers can save money and get the lowest rates but also keep your business local. Buying from neighborhood agents is especially important in Seattle.

To find an agent, once you fill out this quick form, your insurance data is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. There is no need to do any legwork due to the fact that quote results will go immediately to you. In the event you want to compare rates from one company in particular, you just need to go to their quote page and complete a quote there.

When researching a good Seattle insurance agent, it’s important to understand the different types of agencies to choose from. Insurance agencies are either exclusive or independent. Both types can do a good job, but it’s worth mentioning the difference in how they write coverage because it can factor into your agent selection.

Independent Insurance Agents (or Brokers)

These agents do not write with just one company so they can write business with multiple insurance companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and the insured can keep the same agent.

If you need cheaper insurance rates, it’s a good idea to get several quotes from multiple independent agents to have the best price comparison. Most have the option of insuring with smaller companies which may have better rates.

Shown below are independent agents in Seattle that may be able to provide pricing information.

• Michael Wong Insurance
  1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map
• Cairns Insurance Agency
  13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map
• Northwest Insurance Group
  6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map

View more Seattle agents

Exclusive Agents

Exclusive agents work for only one company and examples are American Family, State Farm, and AAA. They generally cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agencies are highly trained on what they offer and that enables them to sell even at higher rates. Consumers frequently choose to use an exclusive agent primarily because of the prominent brand name rather than having the cheapest rates.

Shown below are exclusive insurance agencies in Seattle willing to provide price quotes.

• Jeff Kalvelage – State Farm Insurance Agent
  315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 – View Map
• Heather Proctor – State Farm Insurance Agent
  2600 SW Barton St, Ste E22 – Seattle, WA 98126 – (206) 935-3922 – View Map
• Luan Vu – State Farm Insurance Agent
  6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 – View Map

View more Seattle agents

Finding the right insurance agency needs to be determined by more than just a cheap quote. Any agent in Seattle should have no problem answering these questions:

• How much training do they have in personal risk management?
• How will an accident affect your rates?
• Will the quote change when the policy is issued?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Does the agency provide any after hours assistance?

Compare but don’t skimp

Consumers leave their current company for a number of reasons such as policy non-renewal, policy cancellation, delays in responding to claim requests or high prices. No matter why you want to switch, finding a new company is less work than it seems.

We’ve covered a lot of information how to shop for Toyota Sequoia insurance online. The key concept to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may even discover the best price on insurance is with some of the lesser-known companies.

Budget-conscious Toyota Sequoia insurance is definitely available from both online companies and with local Seattle insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer price quotes online and these smaller companies only sell coverage through local independent agencies.

Additional detailed information can be found at these sites:

• Crash Avoidance Technologies FAQ (iihs.org)
• Who Has Cheap Seattle Auto Insurance for a Dodge Grand Caravan? (FAQ)
• Who Has Affordable Seattle Car Insurance Quotes for Lyft Drivers? (FAQ)
• Auto Insurance 101 (About.com)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Distracted Driving Statistics (Insurance Information Institute)