Rocky Mount North Carolina Car Insurance Buying Tips You Aren’t Supposed to Know

Have you had enough of paying out the nose to buy car insurance? You’re in the same situation as many other North Carolina drivers. There are many auto insurance companies to choose from, and though it is a good thing to be able to choose, lots of choices makes it harder to find the lowest rates.

Locating cheaper car insurance in Rocky Mount is not that difficult. If you are insured now or are looking for a new policy, you can learn to cut your premiums while maximizing coverage. North Carolina drivers only need an understanding of the proper way to compare prices on the web.

Save money by taking advantage of these discounts

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specially asked for before they will apply. If you don’t get every credit possible, you’re just leaving money on the table.

  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Accident Forgiveness – A few companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Student in College – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. But all discounts will bring down the amount you have to pay.

To see a list of insurers with discount car insurance rates in North Carolina, click this quote North Carolina

How to Buy Rocky Mount Car Insurance Online

Reducing your insurance rates is actually quite simple. All that’s required is to invest a few minutes comparing rate quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

The fastest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do repetitive form entry to each individual car insurance company. Just one form will get you rate comparisons from all major companies.

A more time consuming way to compare prices requires you to visit each company website to complete a price quote. For sake of this example, let’s assume you want to compare rates from State Farm, Progressive and Liberty Mutual. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in Rocky Mount, click here.

Whichever method you choose, make darn sure you compare apples-to-apples deductibles and coverage limits with every price quote. If each company quotes different values for each quote it’s impossible to decipher which rate is best in Rocky Mount.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

North Carolina insurance prices

  • Performance level impacts rates – The make and model of the vehicle you own makes a big difference in how high your rates are. Low performance passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and lower injury rates translates into savings for insurance companies and thus lower rates.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Discounts for multiple policies – The majority of companies will give a discount to customers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to verify if the discount is saving money.

Do the work, save more money

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at a price you can afford.

We just covered a lot of information how to reduce car insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Additional car insurance information can be read on the website for the North Carolina Department of Insurance located here. Consumers can get help finding coverage, read state legal mandates and laws, find out industry alerts, and find disaster information.