Sick and tired of paying out the nose to pay your car insurance bill each month? You are no different than many other drivers in North Carolina. Because there are so many insurance companies to choose from, it is very difficult to choose the most cost effective company.
It’s important to do rate comparisons every six months since rates go up and down regularly. Just because you found the best deal a year ago there is a good chance you can find better rates now. There is too much inaccurate information about car insurance online, so we’re going to give you some solid techniques on how to stop overpaying for insurance.
Buying the lowest cost car insurance coverage in Wilmington can be fairly easy. If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. North Carolina vehicle owners just need to learn the most effective way to shop their coverage around online.
Lowering your car insurance rates is a fairly straight forward process. You just need to invest a little time to get quotes from different insurance companies. This can be done in just a few minutes using one of these methods.
It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples deductibles and coverage limits for every quote you compare. If you compare different values for each quote it will be impossible to determine the lowest rate in Wilmington.
Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.
The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Drivers should understand that most discounts do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.
To see a list of companies who offer car insurance discounts in Wilmington, click this link.
When it comes to buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation might need an agent’s assistance.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-82.jpg" alt="Wilmington North Carolina insurance quotes” />
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
A small number of people would rather buy from a licensed agent and that is just fine! Insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing rates online is you may find better rates and still choose a local agent. Supporting small agencies is important particularly in Wilmington.
To make it easy to find an agent, after completing this form (opens in new window), your information gets sent to local insurance agents who will return price quotes for your business. You never need to leave your house due to the fact that quote results will go to the email address you provide. How’s that for easy!
If you’re trying to find an insurance agent, you must know there are a couple types of agencies from which to choose. Agents are classified as either captive or independent (non-captive). Both types can do a good job, but it’s important to know the differences since it can impact buying decisions.
Independent insurance agents do not work for one specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, we recommend you get quotes from several independent insurance agents for maximum quote selection.
Shown below are independent agents in Wilmington willing to provide price quote information.
Schnitzer-Slate Agency Inc – 5725 Oleander Dr – Wilmington, NC 28403 – (910) 392-7020
Paul D Schnitzer Agency – 5725 Oleander Dr – Wilmington, NC 28403 – (910) 392-9945
Brad Sizemore Agency – 4922 Randall Pkwy # 1 – Wilmington, NC 28403 – (910) 791-1011
Bill Heinberg Insurance – 420 Orange St – Wilmington, NC 28401 – (910) 762-9304
Southern Insurance – 6109 Teal St – Wilmington, NC 28403 – (910) 799-1425
These agents can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on their company’s products which can be an advantage.
Listed below are Wilmington captive insurance agencies that can give you rate quotes.
Farm Bureau Insurance – 3534 S College Rd # B – Wilmington, NC 28412 – (910) 791-9669
Allstate Insurance – 2642 Carolina Beach Rd # 11 – Wilmington, NC 28412 – (910) 392-4260
State Farm Insurance – 7016 Market St # A – Wilmington, NC 28411 – (910) 686-1272
To view a complete directory of captive insurance agents in Wilmington, click here to link.
Picking an insurance agency needs to be determined by more than just the premium amount. Some important questions to ask are:
Once you have received positive feedback to these questions and an acceptable price quote, most likely you have located an insurance agency that can properly service your car insurance policy.
Cheaper car insurance is attainable both online in addition to many Wilmington insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide the ability to get a quote online and these smaller companies work with independent agents.
In this article, we covered a lot of techniques to get a better price on car insurance. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. They may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
Additional car insurance information is located on the website for the North Carolina Department of Insurance through this link. Consumers can discover disciplinary actions, download brochures, view agent and company licensing information, and find a variety of consumer forms.