How to Save on Car Insurance in Spokane, WA
Car owners in Spokane can save up to $410 on car insurance by comparing multiple auto insurance quotes from different car insurance companies. The cost of auto insurance depends on numerous factors ranging from the make and model of the car to the age of the driver and their credit score. The average cost of auto insurance in Spokane is $1,014. The cost of insurance varies from one neighborhood to another mainly because of the difference in the rate of auto thefts in different neighborhoods. Some of the ways in which car owners can lower the cost of auto insurance are explored below.
Car insurers across Washington offer discounts to drivers that use anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Using technology that can help determine the cost of insurance based on the number of miles driven, insurance companies have also started offering better discounts to drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.
Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called the driver training discount.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are more environmentally friendly thanks to lower emission rates. Farmers offers these car owners discounts of up to 5% in some states.
Other than the factors mentioned above, insurance companies across the board offer discounts to loyal customers. Signing paperwork online, and reducing paperwork also makes some car owners eligible for discounts.