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Cheap Car Insurance in Everett, WA

Cheap auto insurance in Everett, WA is right around the corner – if you decide to comparison shop with us today, that is. Many drivers are intimidated when it comes to comparison shopping among auto insurance companies. If you do it all by yourself, the process can be very tedious and time-consuming, not to mention complicated and confusing. But we have the resources you need to streamline and simplify the process so that you can start saving money today.

Back in the mid-1800s, a boom in the local timber industry sent people flocking to the Everett Peninsula. But during World War II, Boeing started manuf planes there and it has been the city’s biggest industry ever since. Today Everett is both a major industrial area and a popular residential suburb of Seattle.

  • Fun fact: All the leaves are brown, and the sky is grey in Everett – because this city is #3 on the “Top 100 Cities With the Lowest Average Sunshine Amount” list.

Auto Insurance Coverage Requirements in Washington

Driving legally in Everett requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Liability coverage can be a lifesaver if you ever get into an accident which is your fault whether partially, completely, or whether you don’t think the ruling was fair). In the event you are found at fault in an accident, all of the financial expenses for property replacement, repairs, medical costs, and heaven forbid funeral expenses will be deducted from the amount of liability coverage you purchase from your provider. if that amount of coverage is insufficient to pay for the necessary costs, the injured parties can sue you for almost everything you’re worth. That’s why liability coverage is so important.

The average Washington motorist is paying an exorbitant amount for their monthly premiums, the tune of $125 or more. But you can be one of the lucky drivers who gets to pay a lot less if you let us help you out. On average, the drivers who use our comparison shopping services save at least 33% or more off their monthly premiums. And you have a chance to save even more than that!

Average Monthly Auto Insurance Premiums Legend: Everett SAFECO National General The General Capital American Family 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $94 $111 $149 $116 $121

 
SAFECO and National General are some of the cheapest insurance companies in Everett today – but are they also the best, though? Are you still getting your money’s worth out of it if you settle for their lower prices, or will you have a nightmare scenario on your hands if you ever have to file a claim with them? These are important questions to ask yourself before you make your car insurance buying decisions based on price alone. In the long run, that cheaper monthly premium may not hold as much value if your insurance company won’t be there for you when you need them.

Washington auto insurance Is more expensive than it actually needs to be for an overwhelming majority of Everett motorists. But now that you’ve discovered AutoInsuranceEZ.com, you can rest assured that you are about to save a ton of money off your monthly premiums. We have the tools and the resources you need to make sure you can find the most affordable rate in your area. And it all starts with educating yourself about the auto insurance industry and how providers come up with the price they charge you for your monthly premiums.

Major Car Insurance Factors in Everett

The most important thing to your auto insurance company is being able to accurately calculate how much money you may end up costing them during your time with them. The less likely they think you are to file a claim, or the less expensive they think your potential claims may be, the easier it will be for you to save money because they won’t want to charge you as much for your coverage. But if they think you are at risk for filing many claims, filing expensive claims, or all of the above, they will charge you a lot more for your premiums each month.

Your Zip Code

In total, there are 109,035 people living in Everett right now. And these people are bringing home $52,626 worth of bacon on an annual basis. This can give you a strong hint as to what sort of risk profile your insurance provider will see when they evaluate you for a new policy. The relatively high population of the city means you will be sharing the road with a lot of other drivers and therefore increasing your likelihood of having an accident. The middle income property values hint that crime rates in your area are lower than most, but you won’t necessarily be immune to things like vandalism or theft. All of these aspects may contribute to your overall risk as a driver and drive your premiums up.

Auto Insurance by Zip Code Legend: Everett Seattle Tacoma The General Capital American Family 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $149 $53 $59 $116 $43 $46 $121 $47 $37

Automotive Accidents

The lower the rate of serious accidents in your area, the lower your monthly premium may be, even if you’re sharing the road with so many other drivers in a high population area. From what we can see in the graph below, serious accidents aren’t alarmingly common in Everett; unfortunately, they do still happen. And you need to be proactive in order to keep them from happening to you. Don’t be afraid to ask your insurance agent what their preferred methods are for drivers who want to demonstrate their reduced likelihood of getting into an accident behind the wheel. Many of these proactive steps are simple and cost-effective. They can also pay for themselves in the long run.

Fatal Accidents in Everett, WA Legend: Everett Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 2 4 6 8 10 12 14 7 11 2 7 14 5

Auto Thefts in Everett

There were 908 vehicles reported as stolen in Everett last year. This is alarmingly high given the size of the city and other auto theft statistics in Washington State. But there are steps you can take in order to be proactive and protect yourself from becoming a victim. If you are in the market for a new vehicle, ask your insurance agent which models are less likely to be stolen or vandalized – they should have this information readily available for you. Also, don’t be afraid to get a car alarm installed on your vehicle. It’ll cost a little bit up front, but the investment will eventually pay for itself in the form of auto insurance discounts off the total price of your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage SAFECO National General The General 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $94 $94 $111 $114 $149 $161

Your Credit Score

Like many things in life, having a poor credit score will make almost everything in life more expensive for you. This is frustrating and may even seem counterproductive given the fact that the added financial stress will make it harder for you to improve your score. But improve it you must if you want to get those lower rates! Start by tracking your credit on a free credit tracking website and following whatever suggestions they have for improving your score. With time and careful attention, you can get that higher score and a better rate off your car insurance policy.

Auto Insurance by Credit Score Legend: Good Credit Poor Credit SAFECO National General The General 15 30 45 60 75 90 105 120 135 150 165 180 $94 $113 $111 $158 $149 $184

Your Age

Parents of young drivers can take some very important steps to not only save their children money off of their ridiculously expensive auto insurance premiums, but to save themselves some grief as well. Almost every auto insurance company these days is willing to offer discounts if your young driver gets good grades and take some sort of driver education course. You can also bundle your child onto your family policy for an added discount. Regardless of what you do, be sure to brace yourself; even the best, lowest-risk young driver will still face some pretty steep monthly premiums.

Auto Policy Age Comparison Legend: 35 Year Old Driver 17 Year Old Driver SAFECO National General The General 25 50 75 100 125 150 175 200 225 250 275 300 325 350 $94 Does Not Sell $111 Does Not Sell $149 $364

Your Driving Record

Have you ever gotten a speeding ticket only to see your rates from your car insurance providers skyrocket? It may feel unfair, but in their eyes, your likelihood of getting into an accident just went up. They want to protect themselves financially from insuring customers who will be getting into accidents and filing claims left and right. If they aren’t charging the riskier drivers more money for their insurance policy, then they will go out of business very quickly. That’s why they like to reward safer drivers with a clean record with lower premiums and why they choose to protect themselves from riskier drivers by charging more.

Driving Violations Legend: Perfect Record Minor Violation Major Violation SAFECO National General The General 15 30 45 60 75 90 105 120 135 150 165 180 $94 Does Not Sell Does Not Sell $111 Does Not Sell Does Not Sell $149 $176 $190

Your Vehicle

There are certain types of vehicles which will cost more to insure than others. Cars that are built for speed, luxury vehicles, brand new vehicles, and any vehicle that you lease as opposed to purchase will require a more expensive car insurance policy. On the opposite end of the spectrum, a reasonably priced run-of-the-mill sedan with high safety standards will help lower your financial burden when it comes to your monthly insurance premiums – and that’s just one example.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette SAFECO National General The General 25 50 75 100 125 150 175 200 225 250 275 300 $94 $177 $111 $198 $149 $311

Minor Car Insurance Factors in Everett

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

If you’re not bundled together on the same auto insurance policy with your spouse, we have one important question for you: why not? Major life changes, such as getting married, present the opportunity for you to save money on your monthly auto insurance premiums by changing the conditions of your insurance contract. Many spouses choose to merge their insurance policies together and bundle onto a family policy with the same company for a 10% to 15% savings. In some rare cases, maintaining separate policies with separate companies may save you a little bit of money – but it takes a lot of investigative work to figure out whether your circumstances can yield such savings.

Your Gender

Are women less safe behind the wheel than men? If your insurance company can prove that point with some sort of relatively reliable statistical data, and you happen to be female, then you may be getting charged more on your monthly auto insurance premiums. But even if this is the case with your current insurance provider, you don’t have to take it lying down. You can start shopping around right now to get a better price from a company that doesn’t count being one specific gender or another against you.

Your Driving Distance to Work

Average work commutes are a bit polarized in Everett. A driver could spend anywhere from 10 to 20 minutes or as much as 35 minutes getting to work. The less of a distance you have to drive, the less likely you will be to get into an accident, and therefore the more money you can save. And the fact that a whopping 22% of workers choose an alternate means of transportation instead of driving to work alone in their own vehicle means there are that many fewer drivers on the road and that much more of a lowered risk.

If you want to track your miles in a way that you can easily verify with your insurance company, you can save as much as 33% or more off your monthly premiums. But it’s not the easiest task to accomplish. For starters, you have to drive significantly fewer miles than the average motorist. On top of that, you have to drive during off-peak hours which are outside the window of rush-hour traffic. You should also avoid driving at night on the weekend while you are still tracking your miles. These strategies will help you get the maximum discount.

Your Coverage and Deductibles

There is a directly inverse relationship between the total cost of your deductible and what you end up paying for your monthly premiums. Agreeing to pay a higher deductible means that your insurance provider won’t have to pay as much towards fulfilling the claim. Whenever you agree to pay for more and your insurance company gets to pay less, you usually get discounts or other financial incentives for that. Just make sure to protect yourself from a disaster situation by always having that deductible money saved away for emergencies. Otherwise, you could get stuck off the road and without transportation for a very long time.

Education in Everett, WA

Only 14% of Everett residents currently own a bachelor’s degree. That minority of motorists is at an advantage because they can take advantage of higher education discounts which auto insurance companies are offering more and more often these days. We understand that going back to school just to get discounts on your car insurance maybe a little extreme; but if you were planning to go back to school anyway, that’s just one extra thing to look forward to.

If you don’t want to drive very far outside of Everett for a better education, then your first stop should be Everett Community College. Outside of the city limits you can try out Edmonds Community College or take some classes at the University of Vash-Bothell campus.

Most people who try and comparison shop on their own fail miserably. But it’s not their fault. It’s tedious and time-consuming, and many companies make it that way on purpose so that they don’t lose your business. With our resources, though, you can outsmart them and get yourself a better deal with the right company. We can help you get started with three to five accurate, free quotes from providers near you!

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:
Office of the Insurance Commissioner – Washington State

Washington State Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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