As you probably know, auto insurance rates can become very expensive. If you have shopped around to find insurance in the last year, you probably noticed that insurance rates have gone up across the board. However, if you are well informed, buying Seattle auto insurance can become very affordable
The best place to look for insurance is through an independent agency. Unlike captive agents, they work with many companies and are able to help you get insured through the cheapest. Since captive agents only work with one company, they can only offer one rate.
Heritage Insurance, Inc. is one of the largest nationwide independent insurance agencies around. Selling for over one hundred companies, they are able to find the cheapest rates available.
As you talk to an insurance agent, don’t be afraid to pick his brain on insurance topics. Explain your current situation and ask for advice on which coverages you need and which ones are unnecessary. They will help you tailor and insurance plan that will cover you adequately without throwing money out the window.
One coverage that you may or may not need depending on your situation is the uninsured/underinsured motorist coverage. These coverages kick in on medical or hospital bills when you are not at fault in an accident, but the other person involved either doesn’t have insurance or does not have adequate limits of liability.
Uninsured/Underinsured coverage is only important to have if you don’t have good health insurance, if you would go through your health insurance if you got injured, this coverage is unnecessary. However, if you have poor health insurance or none at all, this extra expense is probably worth it.
Ask your agent about your limits of liability, PIP coverage, comprehensive coverage, and towing coverage. Each of these coverages is extra, and can be helpful or useless, depending on your situation. Working closely with your agent will allow you to get the cheapest rate possible while still making sure you have good coverage.