How many years has it been since you compared cheaper car insurance rates in Seattle, WA? Seattle drivers have options when trying to find the best price on Cadillac ATS insurance. You can either waste hours calling around trying to get quotes or leverage the internet to make rate comparisons.
There are both good and bad ways to find car insurance online and you need to know the proper way to price shop coverage for a new or used Cadillac and get the cheapest rates either online or from Seattle insurance agents.
It’s a good habit to get comparison quotes periodically because prices are constantly changing. If you had the lowest rates on Cadillac ATS insurance in Seattle six months ago there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re going to learn one of the best ways to find better rates and still maintain coverage.
We hope to teach you a little about how to get online quotes and some money-saving tips. If you have a current car insurance policy, you will surely be able to reduce premiums using the concepts you’re about to learn. Shoppers just have to know the most time-saving way to buy car insurance using one simple form.
Cheapest Cadillac ATS insurance rate quotes in Seattle, Washington
The companies shown below provide quotes in Washington. If multiple companies are listed, it’s a good idea that you visit several of them in order to find the most affordable rates.
Reduce your car insurance rates with discounts
Car insurance companies don’t always advertise the complete list of policy discounts very well, so below is a list both the well known as well as the least known discounts that you may qualify for. If you’re not getting every credit possible, you could be paying more than you need to.
- Sign Early and Save – Select companies give a discount for buying a policy prior to your current ATS insurance policy expiring. It’s a savings of about 10%.
- Employee of Federal Government – Active or former government employment may reduce rates when you quote Seattle car insurance with some car insurance companies.
- Pay Early and Save – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
- First Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
- Good Student – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts until age 25.
A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.
Auto insurance companies that possibly offer most of the discounts above include:
Before purchasing a policy, check with each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be available everywhere.
Insurance protects more than just your car
Even though Seattle ATS insurance rates can get expensive, insurance may be required for several reasons.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection in order to be legal. 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.
Second, if you have a lien on your car, almost all lenders will make it mandatory that you carry insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Cadillac at a much higher premium rate and make you pay for it.
Third, insurance protects not only your car but also your assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your ATS outweigh the cost, especially with large liability claims. The average driver in America overpays more than $869 every year so it’s very important to do a rate comparison at least once a year to make sure the price is not too high.
Do I need an insurance agency?
Certain consumers would rather have an agent’s advice and that is not a bad decision Good insurance agents can help determine the best coverages and will help you if you have claims. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local. And buying from small agencies is important particularly in Seattle.
Upon completion of this quick form, the coverage information is instantly submitted to participating agents in Seattle who will give you bids for your coverage. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent to you directly. If you need to get a rate quote from a particular provider, you would need to find their quoting web page and give them your coverage information.
When looking for a local Seattle insurance agent, you must know there are a couple types of insurance agents to choose from. Auto insurance agents in Seattle are considered either independent (non-exclusive) or exclusive. Both types of agents can write policy coverage, but it is a good idea to know why they differ since it may influence the type of agent you choose.
Independent Agents
Independent agents do not sell for just one brand so they have the ability to put coverage through many companies and find you the best rates. If premiums increase, they simply move the coverage in-house and you don’t have to do anything.
If you are comparing auto insurance prices, it’s recommended you include rate quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
Listed below are independent agencies in Seattle that may be able to give pricing information.
- Grange Insurance Association
200 Cedar St – Seattle, WA 98121 – (800) 247-2643 – View Map - Norwest Insurance Agency
5191 S Spencer St – Seattle, WA 98118 – (206) 965-8140 – View Map - Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Exclusive Insurance Agencies
Agents of this type are contracted to one company and some examples include American Family, State Farm, and Allstate. They usually cannot provide other company’s prices so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. Consumers often buy from the same agent for years primarily because of the brand legacy and solid financial strength.
Below are exclusive insurance agents in Seattle that can give you comparison quotes.
- David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388 – View Map - Brent Amacher – State Farm Insurance Agent
2319 California Ave SW Ste A – Seattle, WA 98116 – (206) 935-0499 – View Map - Luan Vu – State Farm Insurance Agent
6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 – View Map
Finding the right insurance agency is decision based upon more than just the quoted price. The following questions are important to ask.
- Can they give you a list of client referrals?
- Do they specialize in personal lines auto insurance in Seattle?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agent have a valid license to sell insurance in Washington?
- Is the agent CPCU or CIC certified?