Erlands Point-Kitsap Lake Auto Insurance Rates, Quotes, Agents & Reviews in WA

Erlands Point-Kitsap Lake, WA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Erlands Point-Kitsap Lake, WA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Erlands Point-Kitsap Lake, WA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Erlands Point-Kitsap Lake, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Erlands Point-Kitsap Lake, WA with that of other cities in and around Erlands Point-Kitsap Lake.

Erlands Point-Kitsap Lake Tracyton Navy Yard City Kitsap County Bremerton Chico
Average Insurance Rates $1,577 $1,283 $1,173 $1,239 $1,048 $1,289

Erlands Point-Kitsap Lake, WA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Erlands Point-Kitsap Lake, WA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Erlands Point-Kitsap Lake $1,198 $1,012
Rocky Point $1,619 $1,368
Chico $1,791 $1,513
Tracyton $1,132 $956
Navy Yard City $2,805 $2,369
Kitsap County $1,513 $1,278
Bremerton $1,486 $1,255
Enetai $1,762 $1,489

Erlands Point-Kitsap Lake, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Erlands Point-Kitsap Lake, WA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,117
20 Years $2,026
30 Years $1,561
40 Years $1,502
50 Years $1,391
60 Years $1,410
70 Years $1,641

Erlands Point-Kitsap Lake, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Erlands Point-Kitsap Lake, WA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,712 $442
3 Vehicles $4,069 $662
4 Vehicles $5,425 $883

Savings on 2 Vehicles bundle:$442

Savings on 3 Vehicles bundle:$662

Savings on 4 Vehicles bundle:$883


Erlands Point-Kitsap Lake, WA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Erlands Point-Kitsap Lake, WA.

Location Average Insurance Cost Post DUI Insurance Rate
Erlands Point-Kitsap Lake $1,577 $2,531
Rocky Point $1,212 $1,945
Chico $1,289 $2,069
Tracyton $1,283 $2,059
Navy Yard City $1,173 $1,883
Kitsap County $1,239 $1,989
Bremerton $1,048 $1,682
Enetai $1,565 $2,512

Erlands Point-Kitsap Lake, WA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,353
Excellent (740-799) $1,544
Good (670-739) $1,643
Average (580-669) $2,144
Poor (300-579) $2,572

Erlands Point-Kitsap Lake, WA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$69 $1,646
Driver's Failure In Showing Documents +$153 $1,730
Driving With An Expired Registration +$162 $1,739
Driving At A Considerably Slow Pace +$342 $1,919
Using A Cellphone While Driving +$361 $1,938
Running A Red Light +$367 $1,944
Speeding +$386 $1,963
Driving A Vehicle Without The Required Permission +$490 $2,067
Driving With An Expired/Suspended License +$1,063 $2,640

Erlands Point-Kitsap Lake, WA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,514
Active Disabling Device $1,514
Tracking Device $1,482
Passive Disabling Device $1,467