5 Ways to Get Lower Rates on Car Insurance in High Point North Carolina

Are you intimidated by the sheer number of car insurance company choices in High Point? You have a lot of company. Consumers have so many options that it can easily become a big hassle to find the best price.

Finding affordable coverage in High Point is easy if you know what you’re doing. Basically, every vehicle owner who shops for car insurance most likely will be able to cut their insurance bill. Although North Carolina drivers must learn how big insurance companies sell online because it can help you find the best coverage.

How to Lower Your Car Insurance Cost in High Point

Most companies quote coverage price quotes on the web. Getting online quotes doesn’t take much effort as you simply type in as requested by the quote form. Once entered, the system sends out for reports for credit and driving violations and provides a quote.

Online quotes simplifies rate comparisons, but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for lower prices.

There is an easier way!

An easier way to lower your car insurance bill is to use a quote form that gets prices from many companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons much easier. After sending the form, it is quoted and you can choose any of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

To find out how much you can save on car insurance, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter your coverages exactly as shown on your declarations page. This helps ensure you will have rate comparison quotes using the exact same coverages.

Take advantage of discounts

Companies that sell car insurance don’t necessarily list all their discounts very well, so here is a list both well-publicized as well as the least known car insurance savings.

  • Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Memberships – Belonging to a professional or civic organization could qualify you for a break when shopping for car insurance.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

For a list of companies who offer car insurance discounts in North Carolina, follow this link.High Point insurance prices

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why does it cost so much to insure a teen driver in High Point?
  • Are rental cars covered under my policy?
  • Do I have coverage when using my vehicle for my home business?
  • I don’t drive much so do I pay less?
  • How can I get high-risk coverage after a DUI?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my vehicle and owe more than it’s worth?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Knowing the specifics of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many North Carolina drivers only carry the minimum required liability limits (30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage – Collision insurance pays for damage to your vehicle caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

High Point car insurance prices

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, damage from getting keyed, falling objects, damage from a tornado or hurricane and vandalism. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance – This coverage can cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, bail bonds, structural damage, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. North Carolina state minimum liability requirements are 30,000/60,000/25,000 but drivers should carry more coverage.

Additional detailed information is located at the North Carolina Department of Insurance website. North Carolina drivers can view agent and company licensing information, find a variety of consumer forms, download brochures, and read enforcement actions against agents and companies.