Drivers can take three crucial steps to lower car insurance prices after huge spike sees some paying $200 more per month

Drivers across are feeling the pinch as auto insurance costs skyrocket.

But because of other people’s errors, you’re probably paying extra.

Drivers in Washington have experienced financial hardship as a result of price increases, with the average cost of full coverage hitting $1,845.

According to local CBS station KIRO-TV, this represents a 12% increase, or over $200 more, since February 2024.

Fortunately, you may lower your monthly auto insurance premium by following these three actions.

The stages can even be completed from home, according to Kenton Brine, President of the NW Insurance Council, who gave KIRO-TV an explanation of them.

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Before making a decision, Brine advised first looking through several auto insurance providers.

You can obtain the best bargain by comparing rates offered by different insurers.

Before selecting an insurance, Brine advised obtaining many quotations.

Then, since a new transparency law in Washington state mandates that insurers reveal rate changes at renewal, you should also look for concealed hikes.

According to Brine, going over these specifics could help you identify mistakes or unjust pricing increases.

Lastly, you can always change the coverage you have.

If your vehicle is older, you might want to consider removing collision or comprehensive coverage.

Consider whether you can afford to replace your automobile out of pocket if it is totaled. Pay just for coverage that is cost-effective.

COSTLY REPAIRS

Brine added that the soaring cost of auto repairs is a primary factor contributing to the increase in insurance rates.

The rising cost of auto parts and the rising salary of mechanics due to a labor shortage have caused insurance companies to pay out more on claims, which they are then passing on to you.

They will receive larger payouts as a result, and you will receive larger premiums.

You are not paying for what could have occurred to you when you get insurance. Brine told KIRO-TV, “You’re paying for what is already happening out there in the world.”

Erika Weaver, a native of Tacoma, has personally experienced the effects.

Her full coverage premium was $1,602 in June 2024. It soared to $1,833 in just six months.

Weaver’s experience is indicative of a nationwide trend toward increasing rates.

Car Insurance Tips

• 
  Browse around
  
  Get quotes from multiple insurers, as rates vary from company to company. Comparing prices can help you find the best deal.

• 
  Check for hidden increases
  
  In June, the Washington State insurance commissioner announced that insurers must provide premium change transparency to policyholders, showing renewal rate increases. By reviewing this information, you might catch incorrect details that are costing you more.

• 
  Buy only the coverage you need
  
  Consider whether you need certain coverage. For example, if you re thinking about dropping comprehensive coverage, ask yourself: Are you ready to let that car go? If it s totaled, you ll need to be prepared to cover the cost.

Source: KIRO-TV, a CBS affiliate

CAR INSURANCE RATE SURGE NATIONWIDE

According to Bankrate, the average annual cost of auto insurance is $2,670 for a full coverage policy nationwide; however, premiums differ significantly by state and city.

In contrast, the average cost of minimal coverage is $773.

According to Bankrate, drivers in New York pay the highest average of $6,841 per year for auto insurance, making it the most costly city in the US.

According to Insurify’s research of over 97 million quotes, full coverage rates for auto insurance are expected to climb by 5% by the end of 2025, as the cost of auto insurance continues to rise throughout the United States.

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Numerous causes have contributed to these growth since 2022.

The cost of insurance has increased due to a number of factors, including inflation, the frequency of natural disasters, increased repair expenses, and sophisticated automotive technology like cameras, sensors, and autonomous driving systems.