Getting discount Seattle Toyota Venza insurance quotes on the web is overwhelming for consumers not familiar with shopping for insurance on the web. With such a large number of insurers available, how are consumers able to have a chance to compare every company to locate better prices?
Unimaginable but true, almost 70% of insureds in Washington have stayed with the same insurance company for more than four years, and nearly the majority have never compared rates from other carriers. The average driver in the U.S. could save 46.5% a year, but they don’t want to spend time to go online and compare rates.
You should make it a habit to compare premium rates at least once a year because insurance rates fluctuate regularly. If you had the best rate on Toyota Venza insurance in Seattle last year you may be paying too much now. You can find a lot of information about Venza insurance online but in this article, you’re going to get some tested techniques to find affordable insurance in Seattle.
If you have insurance now, you should be able to cut your premiums using these methods. These tips will help educate you on how car insurance quotes work and how you can save the most money. Nevertheless, Washington drivers can benefit by having an understanding of how insurance companies market on the web and use it to find better rates.
To find the best car insurance rates, there are several ways to obtain and compare prices from all the different companies. The quickest method to compare rates is to perform an online rate comparison.
When price shopping your coverage, comparing more rates from different companies increases the chance that you will find the best price.
The auto insurance companies shown below are our best choices to provide comparison quotes in Seattle, WA. If multiple companies are shown, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| Venza AWD 4-Dr | $278 | $530 | $300 | $18 | $90 | $1,216 | $101 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify rates substantially.
Analysis of deductible levels
The illustration below illustrates how your choice of deductibles and can affect Toyota Venza premium costs for each age group. The data is based on a married male driver, full coverage, and no policy discounts are applied.
Physical damage deductibles
A question often asked by Seattle drivers is how high or low should comp and collision deductibles be. The comparisons below outline the difference in cost when you buy lower versus higher physical damage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $258 | $452 | $294 | $18 | $88 | $1,135 | $95 |
| Venza AWD 4-Dr | $258 | $452 | $294 | $18 | $88 | $1,135 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Venza 2WD 4-Dr | $158 | $284 | $294 | $18 | $88 | $842 | $70 |
| Venza AWD 4-Dr | $158 | $284 | $294 | $18 | $88 | $842 | $70 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in your specific Seattle location which can influence insurance rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $25 more each month or $300 each year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 30 months between claim filings, you would save money by going with a higher deductible.
Three main reasons to buy insurance
Despite the fact that insurance is not cheap in Seattle, paying for insurance may be required for several reasons.
- Just about all states have minimum mandated liability insurance limits 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.
- If you have a lien on your vehicle, most lenders will force you to buy full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Toyota at a significantly higher premium and force you to pay for the expensive policy.
- Insurance safeguards both your assets and your car. It will also cover all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Toyota gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is currently overpaying as much as $869 every year so compare rate quotes at every renewal to ensure rates are competitive.
Save $476 a year. For real?
Big name companies like Progressive, Allstate and GEICO seem to constantly run ads on television and other media. All the ads seem to make the promise about how much you will save if you change your policy. It sounds good, but how can they all give you a lower rate on Toyota Venza insurance in Seattle? It’s all in the numbers.
Companies have an ideal profile for a prospective insured that earns them the most money. One example of a profitable insured might have to be married and over the age of 30, has a low-risk occupation, and drives less than 5,000 miles a year. Any driver who matches that profile gets the lowest car insurance rates and have a good chance to save when they switch companies.
Potential customers who do not match those criteria will probably be forced to pay higher prices and the prospect going elsewhere. The ads say “drivers who switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can make those statements.
This really illustrates why drivers must compare many company’s car insurance rates. Because you never know which company will fit your personal profile best.
Auto insurance policy discounts for Toyota Venza insurance in Seattle
Companies don’t always list every discount they offer very well, so the following list contains both well-publicized as well as the least known discounts that you can inquire about if you buy Seattle auto insurance online.
- Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
- Organization Discounts – Joining qualifying clubs or civic groups could trigger savings on auto insurance.
- Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
- Student Discounts – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
- Active Military Service – Being on active deployment in the military could qualify you for better auto insurance rates.
- Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
- College Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
- Paper-free Discount – Many larger companies will give you a small discount for buying your policy online.
- Multiple Cars – Buying insurance for multiple vehicles with the same company can reduce rates for all insured vehicles.
- Savings for New Vehicles – Insuring a new Venza may earn a small discount due to better safety requirements for newer vehicles.
While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, that’s just not realistic.
Larger auto insurance companies and the discounts they provide are shown below.
- Farm Bureau offers premium reductions for multi-policy, 55 and retired, youthful driver, good student, multi-vehicle, driver training, and safe driver.
- MetLife offers discounts for good student, multi-policy, claim-free, good driver, defensive driver, accident-free
- Progressive has discounts for online quote discount, homeowner, online signing, multi-policy, good student, and multi-vehicle.
- AAA offers discounts including good student, anti-theft, good driver, education and occupation, and multi-car.
- American Family policyholders can earn discounts including bundled insurance, early bird, good student, multi-vehicle, mySafetyValet, and accident-free.
- GEICO discounts include seat belt use, daytime running lights, multi-policy, five-year accident-free, driver training, defensive driver, and air bags.
- State Farm may offer discounts for safe vehicle, Steer Clear safe driver discount, student away at school, anti-theft, and good driver.
Double check with each company to apply every possible discount. Some credits may not be available in your state. To choose providers that offer some of these discounts in Seattle, click this link.
Neighborhood Seattle auto insurance agents
Many drivers still like to visit with an insurance agent and that is OK! A nice benefit of comparing rate quotes online is that you can find cheaper prices and still have a local agent. And providing support for local insurance agencies is important especially in Seattle.
To find an agent, once you fill out this simple form, your insurance coverage information is emailed to agents in your area who will return price quotes for your car insurance coverage. You won’t even need to drive around since price quotes are sent immediately to you. Get lower rates AND an agent nearby. If you have a need to get a comparison quote from a specific car insurance provider, you can always jump over to their website and give them your coverage information.
When looking for an insurance agent, there are a couple of types of agencies and how they can service your needs differently. Agents in Seattle can be classified as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Independent insurance agents are not restricted to one company so they have the ability to put coverage through many different car insurance companies and find the cheapest rate. If they find a cheaper price, your policy is moved internally which is easy for the insured. If you need lower rates, it’s a good idea to compare prices from several independent agencies in order to have the best price comparison. A lot of them also have access to companies you’ve never heard of who may have lower rates.
Listed below are Seattle independent agents who can help you get pricing information.
- Adams Insurance
8613 35th Ave NE – Seattle, WA 98115 – (206) 523-8660 – View Map - Seattle Insurance
2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map - Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only quote rates from one company such as Farmers Insurance and State Farm. They generally cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are trained well on the products they sell which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent primarily because of loyalty to the company and strong financial ratings.
Shown below are exclusive insurance agents in Seattle that are able to give rate quotes.
- Allstate Insurance: Josh Boender
4453 California Ave SW – Seattle, WA 98116 – (206) 932-2191 – View Map - Paulla Suy – State Farm Insurance Agent
900 S Jackson St #213 – Seattle, WA 98104 – (206) 381-3733 – View Map - Chuck McFarland – State Farm Insurance Agent
9776 Holman Rd NW #107 – Seattle, WA 98117 – (206) 788-4640 – View Map
Picking an insurance agency should include more criteria than just a cheap quote. Ask your prospective agent these questions:
- Do they carry Errors and Omissions coverage?
- How often do they review policy coverages?
- Are they paid to recommend certain coverages?
- How much experience to they have in personal lines coverages?
- Do they reduce claim amounts on high mileage vehicles?
Keep this in mind when shopping around
Some companies do not offer internet price quotes and these small insurance companies only sell through independent agents. Budget-friendly car insurance in Seattle is available both online in addition to many Seattle insurance agents, so you should compare both so you have a total pricing picture.
As you quote Seattle auto insurance, it’s not a good idea to buy poor coverage just to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The aim is to get the best coverage possible at the best cost and still be able to protect your assets.
Throughout this article, we presented quite a bit of information on how to save on Toyota Venza insurance in Seattle. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive Seattle auto insurance quotes. Consumers may even find the lowest auto insurance rates come from an unexpected company.
Additional learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much are Seattle Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- What Car Insurance is Cheapest for Electric Cars in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Seattle? (FAQ)
- How Much are Auto Insurance Quotes for 18 Year Olds in Seattle? (FAQ)
- What Insurance is Cheapest for Police Officers in Seattle? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)