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Cheap Car Insurance in Spokane WA – How to Find the Best Rates

cheap car insurance in spokane wa

If you want to get cheap car insurance in Spokane WA, you may be wondering where to find the best rates. There are several options available, including GEICO, USAA, Vern Fonk Insurance, and Insurify. Read on to learn more about these companies and how you can get the best possible rate on your policy. You may be surprised at just how much you can save. Luckily, these companies have been around for a long time, and many of them have a great reputation for getting the best possible rates.


When searching for cheap car insurance in Spokane, WA, you will want to compare several companies before choosing one. Many of the top companies offer discounts for older drivers. Those with good credit can save up to 60% on their monthly premiums. The average reduction in car insurance rates for Spokane drivers is $601. Moving from “Very Poor” to “Fair” credit tier corresponds to an average decrease of $1,042 in annual car insurance costs.

The best deal in Spokane, WA is offered by State Farm and is 41% cheaper than the average Washington rate. State Farm has the lowest rates for young drivers with accidents. Speeding tickets, on the other hand, can raise the rates by as much as 14%. However, accidents, whether your fault or not, will drive up your rates by almost 33%. That is why you’ll want to get at least 25/50/10 liability coverage. In Washington, this will cover medical bills, property damage, and even some of the other party’s legal expenses.

Another factor in your car insurance premiums is your driving record. While some companies are better than others when it comes to cheap insurance, they don’t offer the same types of coverage. Your driving record, the cost of repairs, and the amount of uninsured motorists can all influence your rates. You should compare quotes to find the best deal for your specific situation. If you have a military spouse, USAA can be a great choice for your policy.

Vern Fonk Insurance

When searching for cheap car insurance in Spokane, WA, you might find it helpful to read online reviews about Vern Fonk Insurance. The company was founded in 1962 and offers a variety of insurance policies for both drivers and business owners. The company also offers home, renters, life, and auto insurance. Its representatives are available to answer questions and guide drivers through the insurance process.

The Better Business Bureau has rated Vern Fonk Insurance with an A-, with only one complaint filed within the past three years. This complaint was filed in 2015, but was not resolved, and the company did not provide any information about it. The company has several branches in Washington and Idaho, so you may experience some variation in service from one location to another. Customers should always compare multiple quotes to ensure the lowest possible rate.

Vern Fonk Insurance provides cheap car insurance in Spokane, WA to people with a history of driving accidents. They offer different types of policies, ranging from liability-only to full-coverage. Their policies differ slightly, but they’re all affordable compared to other insurers’ offerings. They also specialize in cheap SR-22 insurance policies. These policies provide coverage for high-risk drivers, which may be difficult to find in Spokane.


There are several ways to save on car insurance in Spokane, WA. If you’re a safe driver, your driving record can qualify for “good driver” or “accident-free” discounts. Fortunately, most insurance companies will give you a discount if you have a clean driving record. Insurers also charge more for risky behavior, and a speeding ticket can be worse than an accident at age 18. However, after three years, accidents and tickets won’t impact your car insurance rates.

The best way to find cheaper car insurance in Spokane is to compare quotes from several different companies. MoneyGeek rates car insurance companies in Spokane based on their financial stability, customer satisfaction, and affordability. It also factors in the neighborhood where you live to determine how much you’ll pay. For example, drivers living in ZIP code 99208 pay $25 less per year than those living in the rest of Spokane.

Insurify’s website is easy to navigate and can help you find the best policy at the lowest price. With an online policy, drivers can compare up to dozens of insurance quotes in just a few seconds. If you’re a military family, USAA is the best choice for you. Alternatively, PEMCO’s auto insurance policy costs $1,632 less than MetLife’s policy. Full coverage policies include collision, comprehensive, and UM, and will give you more protection than a liability-only policy.


If you’re looking for affordable car insurance in Spokane, WA, you’ve come to the right place. As the average car insurance rate in Washington is $464 per year for minimum coverage, GEICO has some of the cheapest policies around. However, you should note that these policies are not universally good, and your actual rate may vary. Below are some tips to help you find the best coverage and the lowest premiums.

The first thing you should know about Spokane car insurance is the law. Most states require you to carry insurance in case of a collision. This policy covers you if you are at fault in an accident. However, you need to have a minimum amount of coverage to legally operate a car. The state minimum is 25/50/10, so you’ll want to find an insurance policy that has more coverage.

Another thing to know is that your car insurance rate will vary based on your commuting time. If you commute to work for an hour a day, you should shop around for the best rates. Your Spokane, WA rate will likely increase if you’ve been convicted of a DUI. However, GEICO can help you get affordable car insurance in Spokane, WA by keeping the following tips in mind.

State Farm

You can get a cheap car insurance policy from State Farm by using a special program. If you’re an Uber driver, you can enroll in a program and receive a 20% discount on premiums. You must complete five modules in the first six months of driving. Once the app is ready to hire drivers, discounts are applied. Other benefits of the program include uninsured motorist coverage, rental car benefits, and mechanical breakdown insurance. Mechanical breakdown coverage will pay for repairs or replacement of parts. In addition to a deductible, State Farm roadside assistance will cover flat tires.

Allstate Insurance’s report on safe driving ranks Spokane at 66th place among US cities. Drivers go ten years without a car accident. However, drivers in Spokane experience car crashes every nine years. This is 7.5 percent higher than the national average. Another factor that affects your car insurance rate is the weather. In Spokane, it’s important to take these factors into consideration when comparing car insurance quotes.

The company offers several different types of discounts, such as discounts for good driving habits and loyalty to the brand. Vehicles with passive restraint devices, anti-theft technology, and alarms can qualify for discounts. You can also get a 20 percent discount if you have multiple autos insured through the company. If you drive a lot, you can get a 17 percent discount. You can also sign up for a program that lets you monitor your miles. Then, you’ll be able to track your mileage every day and get a discount on your policy.


Insurers will typically lower your premiums if you have a clean driving record. In Spokane, WA, “good drivers” are eligible for discounts. Clean driving records have been a priority for decades and are often rewarded with a discount. However, if you’re a high-risk driver, you might be subjected to higher premiums. However, accidents are considered minor once they happen less frequently than three years ago.

Insurify’s Insurify Composite Score is calculated by looking at multiple factors, including driver behavior and car ownership, to determine the quality of an insurance provider. This score is different for each policyholder and is based on many factors, including their own driver history, garaging address, and other factors. While you can’t always depend on this score, it can help you find a cheap Spokane, WA car insurance policy that matches your unique circumstances.

Most drivers choose low coverage and Progressive offers it. Low coverage is the most affordable option, while high coverage costs $146. High-risk drivers pay the most for high coverage, but their rates are a bit higher than the average. The best way to save money on your car insurance is to shop around and compare rates for all three. By comparing prices, you’ll soon find that Progressive is the best value for your money.