Paying cheap rates for Volkswagen e-Golf insurance in Seattle is always frustrating for drivers not familiar with shopping for insurance online. Because there are so many online companies, it can quickly become a difficult challenge to find better prices on Volkswagen e-Golf insurance.
Unbelievably, a large majority of insurance policyholders have stayed with the same insurance company for well over three years, and approximately 40% of consumers have never shopped around. Drivers in Seattle can cut their rates by $400 a year, but most just don’t grasp the big savings they would realize if they switch to a new company.
The purpose of this post is to instruct you on the best way to quote coverages and some tips to save money. If you already have coverage, you will definitely be able to get lower rates using the concepts covered in this article. Although Washington consumers need to have an understanding of how insurance companies compete online and use it to find better rates.
Companies offering Volkswagen e-Golf insurance in Seattle
The car insurance companies shown below offer free quotes in Washington. If multiple companies are shown, it’s a good idea that you visit as many as you can to find the most affordable car insurance rates.
You may qualify for discounts for Volkswagen e-Golf insurance in Seattle
Companies offering auto insurance do not advertise the complete list of policy discounts in a way that’s easy to find, so the list below details a few of the more common as well as the least known credits available to bring down your rates.
- Save with a New Car – Adding a new car to your policy can get you a discount because newer models keep occupants safer.
- Discount for Multiple Policies – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
- Driver Training Discounts – Taking part in a course that instructs on driving safety can save you 5% or more if your company offers it.
- Seattle Homeowners Pay Less – Owning your own home or condo can earn you a little savings because maintaining a house requires a higher level of personal finance.
- Multiple Cars – Buying a policy with primary and secondary vehicles with the same company can get a discount for every vehicle.
- Paperwork-free – A handful of car insurance companies will discount your bill up to fifty bucks get Seattle auto insurance on their website.
- Membership in Organizations – Being a member of qualifying employment or professional organizations could trigger savings on your next car insurance statement.
Discounts lower rates, but many deductions do not apply to the whole policy. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.
Auto insurance companies who may offer these benefits include:
If you need lower rates, check with each company or agent to apply every possible discount. Some of the discounts discussed earlier might not apply in Seattle. To see a list of providers that offer many of these discounts in Washington, click here.
Local Seattle car insurance agents
Some people would rather get professional advice from a licensed agent and that can be a great decision One of the great benefits of comparing rates online is that you can obtain cheap insurance rates but also keep your business local. And buying from local insurance agents is still important in Seattle.
Once you complete this short form, your coverage information is instantly submitted to local insurance agents that provide free Seattle auto insurance quotes to get your business. You don’t have to contact any agents since price quotes are sent to you instantly. It’s the lowest rates and an insurance agent to talk to. If you have a need to compare rates from a particular provider, just jump over to their website and fill out their quote form.
When finding a reputable agency, it’s important to understand the different agency structures and how they function. Insurance agencies in Seattle can either be exclusive agents or independent agents.
Independent Agencies or Brokers
Agents that choose to be independent do not write with just one company so as a result can place your coverage with an assortment of companies and potentially find a lower price. If they find a lower price, the business is moved internally without you having to go to a different agency. When comparison shopping, we recommend you get quotes from at least one independent agent so that you can do a thorough price comparison. Most can insure with smaller regional carriers which can save you money.
Shown below is a short list of independent insurance agents in Seattle that may be able to provide free insurance quotes.
- Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map - Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map - Sound Insurance Agency, Inc.
9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents have only one company to place business with like Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are trained well on their company’s products which aids in selling service over price. Some consumers prefer to use the same agent mostly because of the prominence of the brand and strong financial ratings.
Below are Seattle exclusive insurance agents willing to provide rate quotes.
- State Farm – Catherine Budbill
929 N 130th St #5 – Seattle, WA 98133 – (206) 361-3770 – View Map - Alex Bagdasarov – State Farm Insurance Agent
4719 University Way NE #202 – Seattle, WA 98105 – (206) 946-1986 – View Map - Raymond Insurance-Pemco and Progressive
6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map
Finding the right insurance agency is decision based upon more than just the premium amount. These questions are important to ask:
- Are they full-time agents?
- Do they carry Errors and Omissions coverage?
- How often do they review policy coverages?
- Do they have designations such as AIC, CPCU, or CIC?
- Is the agency active in community causes in Seattle?
Can you really save if you switch?
Respected companies like 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all seem to advertise the message about savings if you move your coverage to them. How do they all charge you less for auto insurance? It’s all in the wording.
Insurance providers offer their best rates for the type of driver that earns them the most money. For example, a desirable risk should be between the ages of 30 and 45, has few claims, and insures a new vehicle. Someone who meets those qualifications will get very good Seattle auto insurance rates and is almost guaranteed to pay quite a bit less when switching companies.
People who fall outside these criteria will get a higher rate and ends up with the customer not buying. The ads state “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can lure you into getting a quote.
Because of the profiling, you really should get price quotes at each policy renewal. It’s just too difficult to predict the company that will give you lower prices than your current company.
Insurance coverage basics
Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.
Medical expense coverage
Med pay and PIP coverage reimburse you for immediate expenses for things like pain medications, ambulance fees, hospital visits, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Collision insurance
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like driving through your garage door, hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your e-Golf to bring the cost down.
Comprehensive protection
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, hitting a deer, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability
This coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/10 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $10,000. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability can pay for claims like medical services, court costs, loss of income and attorney fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford. Washington state law requires minimum liability limits of 25/50/10 but you should think about purchasing more liability than the minimum.
Uninsured or underinsured coverage
This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Cover all your bases
When getting Seattle auto insurance quotes online, never skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage only to regret that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.
Drivers switch companies for many reasons like delays in responding to claim requests, questionable increases in premium, delays in paying claims and even extreme rates for teen drivers. No matter why you want to switch, finding a new company can be pretty painless.
We just covered a lot of tips how to find cheaper Volkswagen e-Golf insurance in Seattle. The most important thing to understand is the more providers you compare, the better likelihood of getting cheaper Seattle auto insurance quotes. You may even be surprised to find that the best premium rates are with some of the smallest insurance companies.
Additional information is available on the following sites:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for a Nissan Altima in Seattle? (FAQ)
- Who Has the Cheapest Seattle Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much is Car Insurance for First-time Drivers in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Seattle? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)