UPDATED: Mar 13, 2020
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Cheap Car Insurance in Vancouver, WA
In the market for cheap auto insurance in Vancouver, WA? From AutoInsuranceEZ.com, you’ll find the lowest priced insurance policy close to you. In order to obtain free car insurance estimates available from the top rated providers today, type in your postal code within the quote box here on this page.
Vancouver, Washington, also known as “The ‘Couve” or “Vantucky” by locals, is located along the north bank of the Columbia River. It was first settled back in the early 1800’s as Fort Vancouver, and many of its citizens were working for the Hudson Bay Company’s fur trading post. The economy is closely tied to nearby Portland, and the construction and retail industries have been performing well in recent years.
- Fun fact: did you know that the Vancouver Public Schools are the #1 employer in the entire city? Interested in finding out more about Vancouver? Click here!
Auto Insurance Coverage Requirements in Washington
Driving legally in Vancouver 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 |
Not many drivers have the luxury of limiting their Washington car insurance purchase to just the state mandatory minimums listed in the middle column above. Many people, especially those who are still making payments on a relatively new car, have to purchase coverage which looks more like the amounts and types in the “Most Common” column.
Washington monthly rates can get pretty high – as high as $125 or more – for some unfortunate Washington motorists. But if you let us help you, you’ll be able to find lower rates closer to $34/mo* or even less than that!
American Family and State Farm are offering some exceptionally low rates in the Vancouver area right now. If you’re curious about switching, contact an agent so that they can analyze your circumstances and show you the most accurate quote possible.
Companies which offer auto insurance coverage consider numerous elements while determining insurance prices, including gender, where you live, occupation, education, and current insurance coverage and limits. Additionally, premiums differ depending on which company you talk to. To find out if that you are still receiving the best cost, look at cheap Vancouver auto insurance quotes via the internet.
Major Car Insurance Factors in Vancouver
You could possibly feel somewhat hopeless once your car insurance company is evaluating your insurance quote; after all, almost all the factors they assess aren’t items you can potentially adjust or control. Fortunately, however, there are a few things that that you are qualified to modify for increased discounts, just like:
Your Zip Code
Where you park your vehicle each night will likely have a significant impact on your auto insurance rate. Generally, car insurance cost less in rural regions because fewer cars indicates a smaller possibility that you will get into a wreck with another car. The population of Vancouver is 167,405 plus the general household earnings are $47,379.
Automotive Accidents
Vancouver has a lower population than similar Washington state cities, yet its fatal accident statistics are equal to nearby cities with larger populations. This means that the accident rate is higher per capita in Vancouver than in similar areas. And this, in turn, means that your insurance rates might be automatically higher each month as a result of these alarming statistics.
Auto Thefts in Vancouver
All insurance agencies have concerns regarding auto theft; this is especially true for motorists who reside in big towns and cities. The higher the number of people, the better the probability that you will have to file an automobile robbery claim. In recent years, there were 923 stolen cars in Vancouver. and discuss comprehensive insurance coverage
Your Credit Score
Do you know how influential your credit score is when it comes to your insurance rates? Well, the answer is “very”. Obviously, having a high credit score will get you the lowest possible rate. But for every tier lower your credit score takes you, your monthly rates can double, or triple, or more.
Your Age
Young drivers, whether still living at home or out on their own, unfortunately have to pay for their lack of driving experience with triple-digit insurance premiums. However, you can take some of the sting out of things by qualifying for a driving education discount, or also a Good Grades discount.
Your Driving Record
How many accidents have you had in the last 5 years? What about speeding tickets? Well, if your insurance company supports discounts such as Accident Forgiveness, you might get one (or more) of these violations ignored the next time you have your monthly premium evaluated by your insurer.
Your Vehicle
It’s a golden rule of the insurance industry: the more coverage you need to purchase, the more you will pay in premiums each month. And older, less expensive vehicles don’t require as much coverage as new, expensive, luxury vehicles usually do. So make your choice wisely when you decide to invest in a new or more expensive vehicle, because it will strongly influence your rate.
Minor Car Insurance Factors in Vancouver
These factors can also either raise or lower your monthly rate, but not always by much:
Your Marital Status
Are you married, or soon to be married? Then talk to your insurance agent about bundling discounts which might be available to you and your spouse. The more insurance policies your provider offers, the more you can bundle together – and the more discounts you can get!
Your Gender
Gender is one of those funny factors which not all insurance companies agree on. Some companies think men are more risky drivers (and therefore should have to pay more). Others think women should be charged higher rates. But the majority of providers don’t calculate rates based on gender anymore. For more information, your insurance agent can explain their company’s policy to you.
Your Driving Distance to Work
Generally, daily commutes only last between 15 and 20 minutes for Vancouver drivers. Some trips might be shorter (around 10 minutes) or longer (up to 25) depending on your personal situation. More than 75% of people use their own truck or car in order to get around, and 11% of residents prefer to carpool.
How many miles do you think you would have to cut to see a significant dip in your monthly premium? Well, the truth may surprise you. Even if you slash a massive 5,000 miles off your odometer each year, you’ll get a 3-5% discount at best.
Your Coverage and Deductibles
How much is your deductible? And are you allowed to raise or lower it? If so, then raising it can lower your monthly premiums. However, having a more expensive deductible to pay might make things very complicated, and significantly delay how long it takes you to get back on the road.
Education in Vancouver, WA
By far, the highest level of education for most residents comes in the form of a high school diploma, which more than 26% of locals possess. Additionally, 20% of citizens in Vancouver have at least one year of college under their belt, if not more. And when they finish that degree, they’ll have more than just better job prospects – they will also receive lower rates on their auto insurance policy!
There are a number of technical schools located in and around Vancouver which offer practical degrees in a fraction of the time, such as the International Hospitality Academy and the two-year Clark College. For a full university degree, students can check out the Vancouver campus of Washington State University. Of course, if you aren’t necessarily state-loyal, you could commute to Portland and take advantage of the many educational opportunities there also.
You mustn’t allow a poor car insurance provider persuade you into purchasing a auto insurance policy which isn’t right for you. Of course, the total amount of information needed in order to determine your individual risk profile can be mind-boggling, but comparison internet sites similar to this may help make things less complicated. Just input a couple of specifics below, and then we’ll take over from there.
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