It’s smart to compare prices yearly since insurance rates are variable and change quite frequently. If you had the best rates a year ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to find better rates and still maintain coverage.
Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Certain discounts will be applied when you quote, but a few need to be inquired about before they will apply.
Consumers should know that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.
For a list of providers offering auto insurance discounts in North Carolina, click here to view.
An important part of buying insurance is that you know the different types of things that go into determining your auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.
When choosing coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.
These are some specific questions may help highlight if you could use an agent’s help.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.
Some people just want to talk to a local agent and there is nothing wrong with that. One of the great benefits of getting online price quotes is you may find the best rates and still have an agent to talk to. And providing support for local businesses is definitely important in High Point.
To make it easy to find an agent, after completing this quick form, the coverage information is instantly submitted to local insurance agents who will battle to get your business. You don’t have to visit any agencies because quoted prices will be sent to the email address you provide. Now that’s easy! You can find the lowest rates and a licensed agent to work with.
If you wish to view a list of agents in High Point to contact, visit this link.
Deciding on an insurance company should depend on more than just the bottom line cost. Any agent should be forthright in answering these questions:
Upon receiving satisfactory answers and an acceptable price quote, you’ve probably found a company that will insure your vehicles.
Auto insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all have a common claim of big savings if you move to them. How does each company make the same claim?
All the different companies have a preferred profile for the driver they prefer to insure. For example, a desirable insured might be profiled as between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to save quite a bit of money when switching.
Potential insureds who don’t measure up to these standards will be quoted higher rates and ends up with business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save money. That’s why companies can make the claims of big savings.
This emphasizes why drivers must compare many company’s rates. It’s just too difficult to predict which company will have the lowest rates.
Additional auto insurance information is available on the North Carolina Department of Insurance website through this link. Consumers can find a variety of consumer forms, read consumer alerts, and get help finding coverage.
When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There have been many situations where drivers have reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Throughout this article, we presented some good ideas how you can shop for auto insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from some of the smallest insurance companies.
Cheap auto insurance is available from both online companies and with local High Point insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers work with independent agents.