Malaga, WA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Malaga, 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.
Factors affecting Best Car Insurance Rates in Malaga, WA
The average cost of auto insurance in Malaga, WA, is $1,248. In Malaga, Washington, having auto insurance is a legal requirement if you own a vehicle. If you are in an accident, your auto insurance will financially protect you. In some circumstances, auto insurance will also protect you if your vehicle is stolen. Car insurance premiums might vary from one insurer to another depending on several factors. The information includes age, gender, marital status, driving history, credit history, claims history, DUI reports, and many other things.
Car owners in Malaga, WA, who are looking for good auto insurance need to comprehend the roles played by these aspects thoroughly. Zimlon has examined the causes of the rise in car insurance rates in Malaga, Washington. Compare these factors to obtain the most significant deal and savings on car insurance in Malaga, WA.
Credit History
Regarding car insurance, your credit history can play a significant role in determining your rates. Generally, drivers with good credit scores tend to pay less for their car insurance than those with bad credit scores. This is because insurance companies see drivers with good credit as less risky. They're less likely to make claims, and when they do, the claims are likely to be smaller. That means insurers can offer them lower rates.
Conversely, poor credit is seen as a sign that a driver is more likely to make a claim. That means insurers will charge higher rates to offset the risk. For example, in Malaga, Washington, car owners with excellent credit ratings (740-799) must pay $1222, while those with poor credit must pay $2036. If you're shopping for car insurance in Malaga, WA, it's important to check your credit score and work to improve it if necessary. A few points could mean a big difference in your rates.
Age of the Driver
Car insurance rates in Malaga, WA, vary based on the driver's age. Drivers who are under the age of 20 are considered to be high-risk and are charged higher rates than older drivers. Insurance companies consider young drivers more likely to get into accidents, so they charge higher rates to offset this risk. For example, teenage drivers in Malaga, Washington, pay $4,050 for car insurance, whereas 30 year older drivers in that city pay $1,235. However, there are some ways that young drivers can get discounts on their car insurance. One way is to get good grades in school. Another way is to take a driver's education course. If you are a young driver in Malaga, WA, check with your insurance company to see if you qualify for any discounts.
Driving Habits
Insurance companies consider many factors when determining rates, including your driving history. You will likely pay more for car insurance if you have a history of accidents or traffic violations. For example, running a red light in Malaga, Washington or driving with a suspended license can increase insurance costs of +$291 and +$1841, respectively. Therefore, it's crucial to drive cautiously in order to find cheap car insurance in Malaga, Washington.
Factors that can influence the cost of car insurance in Malaga, 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.
- Malaga, WA Auto Insurance Rates
- Malaga, WA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Malaga, WA
- Multi Vehicle Insurance Savings in Malaga, WA
- How Credit Score Affects Car Insurance Rates in Malaga, WA
- How DUI Affects Auto Insurance Premiums in Malaga, WA
- Top Auto Insurance Agents Near Malaga, WA
- How Driving Violations Affect Auto Insurance Rates in Malaga, WA
- Malaga, WA Auto Insurance Discounts on Anti Theft Feature
Malaga, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Malaga, WA with that of other cities in and around Malaga.
| Malaga | Wenatchee | Rock Island | East Wenatchee | Northeast Kittitas | Cashmere | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,248 | $1,009 | $1,184 | $1,224 | $1,249 | $1,236 |
Malaga, 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 Malaga, 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) |
|---|---|---|
| Malaga | $1,892 | $1,598 |
| South Wenatchee | $1,188 | $1,003 |
| East Wenatchee | $1,710 | $1,444 |
| Rock Island | $1,310 | $1,107 |
| Sunnyslope | $1,543 | $1,303 |
| Northeast Kittitas | $1,417 | $1,197 |
| Wenatchee | $3,032 | $2,561 |
| Cashmere | $1,570 | $1,326 |
Malaga, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Malaga, 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 | $4,050 |
| 20 Years | $1,604 |
| 30 Years | $1,235 |
| 40 Years | $1,188 |
| 50 Years | $1,100 |
| 60 Years | $1,116 |
| 70 Years | $1,299 |
Malaga, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Malaga, 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 | $2,147 | $349 |
| 3 Vehicles | $3,220 | $524 |
| 4 Vehicles | $4,293 | $699 |
Savings on 2 Vehicles bundle:$349
Savings on 3 Vehicles bundle:$524
Savings on 4 Vehicles bundle:$699
Malaga, 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 Malaga, WA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Malaga | $1,248 | $2,003 |
| South Wenatchee | $1,192 | $1,913 |
| East Wenatchee | $1,224 | $1,965 |
| Rock Island | $1,184 | $1,900 |
| Sunnyslope | $1,298 | $2,083 |
| Northeast Kittitas | $1,249 | $2,005 |
| Wenatchee | $1,009 | $1,620 |
| Cashmere | $1,236 | $1,984 |
Malaga, 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) | $1,071 |
| Excellent (740-799) | $1,222 |
| Good (670-739) | $1,300 |
| Average (580-669) | $1,697 |
| Poor (300-579) | $2,036 |
Malaga, WA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Brad Huddle | Allstate | 235 N Mission St, Wenatchee, 98801 | (509) 664-4000 |
| Jason Ellard | Allstate | 342 N Wenatchee Ave, Wenatchee, 98801 | (509) 664-7058 |
| Greg Brown | State Farm | 636 Valley Mall Pkwy Ste A-1, E Wenatchee, 98802-3804 | 509-884-2461 |
| Tom Clark | State Farm | 478 Grant Rd, E Wenatchee, 98802-5336 | 509-884-1441 |
| Noyd & Noyd Ins Agcy Inc | Travelers | 500 N WENATCHEE AVE, WENATCHEE, 98801 | 509-662-2194 |
| Mitchell Reed & Schmitten Insurance Inc | Travelers | 117 APLETS WAY, CASHMERE, 98815 | 509-782-2751 |
| Aaa Insurance Agency | Travelers | 221 N MISSION, WENATCHEE, 98801 | 877-222-4678 |
| Libke Insurance Associates Inc | Travelers | 600 N CHELAN ST, WENATCHEE, 98801 | 509-662-1800 |
| Scott Rollins | State Farm | 400 N Pearl St, Ellensburg, 98926-3112 | 509-925-1483 |
Malaga, 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 | +$55 | $1,303 |
| Driver's Failure In Showing Documents | +$121 | $1,369 |
| Driving With An Expired Registration | +$129 | $1,377 |
| Driving At A Considerably Slow Pace | +$271 | $1,519 |
| Using A Cellphone While Driving | +$286 | $1,534 |
| Running A Red Light | +$291 | $1,539 |
| Speeding | +$306 | $1,554 |
| Driving A Vehicle Without The Required Permission | +$388 | $1,636 |
| Driving With An Expired/Suspended License | +$841 | $2,089 |
Malaga, 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 | $1,198 |
| Active Disabling Device | $1,198 |
| Tracking Device | $1,173 |
| Passive Disabling Device | $1,161 |