Find Out Why Your Insurance Rate Has Increased and How AAA Can Help You Save

If you have seen a premium increase, you’re not alone. Nearly every person in Washington state who has a high credit score has been negatively impacted by a recent insurance rule change.

The Washington State Insurance Commissioner has prohibited insurance companies from using credit scores in the mix of data points used to determine insurance rates. This decision impacts all personal line policies, which include auto, boat, RV, homeowners and renters insurance. As a result, your credit score is no longer a variable in pricing your insurance, and that is probably why your premium has increased.

Remember insurance companies price risks differently, so your impact might be different from what others are experiencing, but there is certainly a change across the board — for almost everyone who is insured in Washington state. The good news is that there are several steps that you can take to save on your insurance.

AAA Membership

One of the many perks AAA members receive is a discount from several insurance companies that partner with AAA Insurance Agency. This discount can be as much as 8 percent on car insurance. If you’re a AAA member, find an agent near you or request a quote now. Not a AAA member, consider joining now.

Bundling

If you don’t have all your auto, homeowners and recreational vehicles with one insurance company, talk with a AAA Washington agent. Bundling isn’t just convenient; it also earns you a discount. Bundling is just one item your insurance agent will consider when reviewing your existing coverage. Request a call to review your insurance now.

AAA Washington Travel Agent

Request a Call

Our insurance agents are here to help. Because the rate increase is impacting many people across Washington state, we expect longer wait times for phone inquiries. We appreciate your time, so please click on “Call Me” to complete a form and request a call with one of our experienced agents. 

Usage-Based Insurance

Are you a safe driver? Ask about usage-based insurance, which allows the insurance company to track your driving patterns and reward you for safe driving. The tracking is typically done via a smartphone application or a device that is plugged in the vehicle. When you avoid risky driving habits such as hard braking or accelerating, you’re rewarded with a minimum discount of 5 percent. This discount can go up as much as 20 percent. If you’re interested in how these apps work and used by insurance companies, download our free guide now.

Discounts

There are many other discounts offered by our partner insurance companies. Based on your unique situation, your AAA insurance agent can determine which discounts you are eligible for and help you secure the best rate without compromising your coverage. Request a call to review your insurance now.

Senior Savings

In Washington state, drivers who are 55 years or older can receive a discount if they take a “driver improvement program” course every two years. AAA offers this eight-hour course online.

Teen Discounts

Do you have a teen driver? Many of our insurance companies provide safe driving discounts for teens who complete a safe driving course. Request a call to review your insurance now.

Free Guides to Savings

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Usage-Based Insurance (Drive Apps)