Ruston, WA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ruston, 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 that can influence the cost of car insurance in Ruston, 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.
- Ruston, WA Auto Insurance Rates
- Ruston, WA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ruston, WA
- Multi Vehicle Insurance Savings in Ruston, WA
- How Credit Score Affects Car Insurance Rates in Ruston, WA
- How DUI Affects Auto Insurance Premiums in Ruston, WA
- Top Auto Insurance Agents Near Ruston, WA
- How Driving Violations Affect Auto Insurance Rates in Ruston, WA
- Ruston, WA Auto Insurance Discounts on Anti Theft Feature
Ruston, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ruston, WA with that of other cities in and around Ruston.
| Ruston | Maplewood | Wollochet | Dash Point | Fircrest | Gig Harbor | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,247 | $1,292 | $1,314 | $1,330 | $1,371 | $1,283 |
Ruston, 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 Ruston, 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) |
|---|---|---|
| Ruston | $1,640 | $1,385 |
| Wollochet | $1,958 | $1,654 |
| Browns Point | $1,964 | $1,659 |
| Dash Point | $2,002 | $1,691 |
| Fircrest | $1,318 | $1,114 |
| Gig Harbor | $1,702 | $1,437 |
| Gig Harbor Peninsula | $1,683 | $1,422 |
| Maplewood | $1,875 | $1,583 |
Ruston, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ruston, 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 | $4,046 |
| 20 Years | $1,602 |
| 30 Years | $1,234 |
| 40 Years | $1,187 |
| 50 Years | $1,100 |
| 60 Years | $1,115 |
| 70 Years | $1,298 |
Ruston, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ruston, 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 | $2,170 | $324 |
| 3 Vehicles | $3,255 | $486 |
| 4 Vehicles | $4,340 | $648 |
Savings on 2 Vehicles bundle:$324
Savings on 3 Vehicles bundle:$486
Savings on 4 Vehicles bundle:$648
Ruston, 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 Ruston, WA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ruston | $1,247 | $2,002 |
| Wollochet | $1,314 | $2,109 |
| Browns Point | $1,319 | $2,117 |
| Dash Point | $1,330 | $2,135 |
| Fircrest | $1,371 | $2,201 |
| Gig Harbor | $1,283 | $2,059 |
| Gig Harbor Peninsula | $1,667 | $2,676 |
| Maplewood | $1,292 | $2,074 |
Ruston, 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) | $1,070 |
| Excellent (740-799) | $1,221 |
| Good (670-739) | $1,299 |
| Average (580-669) | $1,695 |
| Poor (300-579) | $2,034 |
Ruston, 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 |
|---|---|---|---|
| Julia Johnson | State Farm | 31817 Gateway Center Blvd S, Federal Way, 98003-5616 | 253-927-2886 |
| Michael Lewis | State Farm | 7403 Lakewood Dr W Ste 13, Lakewood, 98499-7951 | 253-565-3234 |
| David Varelia | State Farm | 14300 SE Petrvsky Rd Ste A, Renton, 98058-8955 | 425-226-1462 |
| Carrie Kuhel | State Farm | 5905 29th St NE, Tacoma, 98422-3209 | 253-927-9295 |
| Fournier Ins Solutions | Travelers | 5712 ORCHARD ST W, UNIVERSITY PLACE, 98467 | 360-426-1641 |
| Kent Bradford | State Farm | 1000 S 2nd St, Renton, 98057-2114 | 425-226-5980 |
| Kwok To | Liberty Mutual | 14900 Interurban Ave. South Ste 142, Tukwila, 98168 | 1-206-277-7838 |
| A & M Insurance Services, Inc. | None | 14410 Se Petrovitsky Rd Ste 202 , Renton, 98058 | None |
| Mtc Insurance Agency Group | Travelers | 3318 BRIDGE PORT WAY W STE D7, UNIVERSITY PLACE, 98466 | 888-315-2231 |
| Aaa Insurance Agency | Travelers | 1745 114TH AVE SE, BELLEVUE, 98004 | 877-222-4678 |
| Jenny Tan Insurance | None | 8334 Ne 121St Pl, Kirkland, 98034 | None |
Ruston, 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 | $1,302 |
| Driver's Failure In Showing Documents | +$121 | $1,368 |
| Driving With An Expired Registration | +$128 | $1,375 |
| Driving At A Considerably Slow Pace | +$271 | $1,518 |
| Using A Cellphone While Driving | +$286 | $1,533 |
| Running A Red Light | +$291 | $1,538 |
| Speeding | +$306 | $1,553 |
| Driving A Vehicle Without The Required Permission | +$388 | $1,635 |
| Driving With An Expired/Suspended License | +$840 | $2,087 |
Ruston, 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 | $1,197 |
| Active Disabling Device | $1,197 |
| Tracking Device | $1,172 |
| Passive Disabling Device | $1,160 |