Seattle Car Insurance Review

Posted by on February 4, 2011

My Conclusion — Seattle Car Insurance will save you time and money!

Seattle car insurance companies differ greatly. Some offer basic coverage while other Seattle car insurance companies offer more coverage than you might need.

If you are like me you may want to compare Seattle car insurance companies before you decide on one, but where do you start? You could call five to ten companies yourself and spend hours on the phone or you could make one phone call: 1-866-915-1288.

Seattle Car Insurance uses the following information to compare the many insurance companies available in the Seattle area, including:

Financial Strength – information about market share, as well as A.M. Best ratings for several car insurance companies. Customers know that financial strength and the ability to meet obligations is important for car insurance companies. So does Seattle Car Insurance, and they will tell you how different car insurance companies fare in these areas.
Payment Options – To make shopping even more convenient, they help you see if you can buy Seattle car insurance 24/7 online, by phone and more from several major Seattle car insurance companies.
Service Offerings – Get information about whether Seattle car insurance companies offer immediate online policy service, online payments or 24/7 phone access. Simply find out how available a company is to you — and how available their services are for you.
Insurance Products – Seattle car insurance companies often offer more than car insurance. Some car insurance companies offer motorcycle insurance, boat insurance, home insurance and more.

If you had to shop on your own you would need to sift through dozens of Seattle car insurance companies and ensure you chose the one that gives you the cheapest price and best service. Or, no matter what combination of price, coverage, and service you are looking for, you can find the right car insurance company for you by calling Seattle Car Insurance at 1-866-915-1288.

Affordable Seattle car insurance shopping can help you save money.

As you shop for Seattle car insurance, remember that what companies offer can vary greatly. Is the quote you are receiving the same as what your current insurer provides? What are your truly looking for: the absolute cheapest car insurance, or getting the most for your money?

Consider the following during your search for Seattle car insurance:

How much coverage do you need?
Deciding on your insurance budget includes knowing what you need and what you want, then selecting your coverages based on how much you can afford. No matter what your budget, make sure you choose coverages that meet your needs.
How much can you pay yourself if you have a claim?
Seattle car insurance can include optional coverages — Comprehensive and Collision, Uninsured Motorist, etc. — that protect your vehicle if it’s damaged. With these coverages, you choose a specific amount — your deductible — to pay out of pocket if you use these coverages. Make sure you can afford to pay your deductible if you have a claim.
Do you have coverage through another source?
If you want affordable Seattle car insurance, make sure you’re not paying for the same things twice. Think about whether or not you have the same or similar coverage through other non-insurance avenues. For instance, if you have a car warranty or AAA, you may have towing coverage for breakdowns. If so, you may not need Roadside Assistance coverage on your car insurance policy.
What coverages and service are you getting for the price?
What you pay only matters if you never are involved in a car accident. Once you are involved in an accident what you get from your insurance company becomes paramount. Shopping for Seattle car insurance requires comparing quotes and analyzing what you’ll pay for coverage from different companies, so select exact limits across all quotes to make comparisons. You will find that some insurance companies charge more for car insurance than others. Also think about factors such as claims handling, availability, and customer service to see who offers what you want.

Seattle Car Insurance Coverage

Understanding Your Seattle Car Insurance

After all my research into car insurance I admit it. Seattle car insurance isn’t the easiest thing to figure out. Sometimes I felt I needed an advance degree in finance combined with a law degree just to understand car insurance coverages.

I think I am finally getting a grasp it. Here is a quick overview that will help you understand the basics of your Seattle car insurance policy. I don’t expect you to start reading your Seattle car insurance policy for own enjoyment – I still pull out a car policy when I am suffering from insomnia.

The Basics:

Your policy is actually a package of seven primary Seattle car insurance coverages. Each of these coverages has its own separate premium amount. Your payment is the total of these separate amounts added together for each car listed on your policy. In addition to the primary coverages, you can also choose to add other coverages for additional amounts; for example, emergency road service.

Seven Seattle Car Insurance Coverages:

Here’s a list of the seven primary coverages and how they protect you:

Bodily injury liability provides protection if you injure or kill someone while driving your car. It also provides for a legal defense if another party in the accident sues you.

If you are in a serious accident that is your fault, you want enough insurance to cover a judgment against you in a lawsuit, without putting your personal assets at risk.

Bodily injury liability covers injury to people so you should have the same level of coverage for all of your cars.

Personal injury protection coverage usually pays for the medical expenses of the injured driver and passengers in your car. There may also be coverage if you are injured by a vehicle as a pedestrian.
Uninsured motorists coverage pays for your injuries caused by an uninsured driver or a hit-and-run driver. There is also uninsured motorist coverage for damage to your vehicle.Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance.
Comprehensive physical damage coverage pays for losses resulting from covered losses other than collision. For example, comprehensive insurance covers damage to your car if it is stolen, damaged by flood, fire or animals. To lower your premiums, select as high a deductible as you feel comfortable paying yourself.
Collision coverage pays for damage to your car when your car hits, or is hit by, another vehicle or other object.

To lower your premiums, select as high a deductible as you feel comfortable paying yourself. For older cars, some people chose to drop this coverage, since coverage is limited to the cash value of your car.

Property damage liability protects you if your car damages someone else’s property. It also provides you with legal defense if another party files a lawsuit against you. It is important to purchase enough of this insurance to cover the amount of damage your car might do to another car or other property.
Rental reimbursement coverage pays for a rental vehicle when your vehicle is not driveable as a result of a loss covered under comprehensive or collision coverages.

It may seem like there’s a lot to understand about Seattle car insurance coverage. If you have any questions about car coverages, rental coverage, or anything else regarding your policy, contact our licensed Seattle insurance agents at 1-866-915-1288.