Getting Cheaper Aberdeen Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, many Aberdeen consumers feel financially strained by their auto insurance policy. Lots of contend for your business, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to compare prices at least once a year because prices are constantly changing. Just because you had the best deal two years ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

If you have insurance now or need a new policy, you can follow these tips to find better prices while maintaining coverages. Buying car insurance in Aberdeen is not that difficult. North Carolina consumers only need to know the most effective way to get comparison rates online.

Save big with these discounts

Companies don't list all their discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find auto insurance savings. If they aren't giving you every credit possible, you're paying more than you need to.

  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
  • Defensive Driver - Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Drive Less and Save - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Sign Online - A few companies may give you up to $50 for buying your policy on their website.
  • No Charge for an Accident - A few companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy qualifies for this discount.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.

To see a list of companies offering auto insurance discounts in Aberdeen, follow this link.

North Carolina auto insurance quotes

Comprehensive Aberdeen Auto Insurance Comparison Quotes

Finding cheaper auto insurance prices doesn't have to be difficult. You just have to take a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  • The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method saves time by eliminating multiple quote forms for each company you want a rate for. Completing one form will return quotes from multiple low-cost companies.
  • A slightly less efficient method to get quotes online is to take the time to go to the website for each individual company to complete a price quote. For example, we'll assume you want to compare rates from , and . To get each rate you have to visit each site and enter your information, and that's why the first method is more popular.

    To view a list of companies in Aberdeen, click here.
  • The least efficient method to compare rates is driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance that only a license agent can provide. You can, however, obtain prices from the web and still use a local agent. We'll cover that shortly.

Whichever way you use, compare the exact same coverages and limits with each company. If you have different deductibles it will be very difficult to make an equal comparison in Aberdeen.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

  • Lower miles equals lower premium - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance policy is showing how each vehicle is driven, because it can save money.
  • Do you need those extra coverages? - There are many extra coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage and term life insurance are examples of these. These may sound like a good investment when talking to your agent, but if they're wasting money get rid of them and save.
  • Cautious drivers pay less - Your driving citation history impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than bad drivers. Just one moving violation can boost insurance rates forty percent or more. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Marriage pays dividends - Being married can actually save you money when buying auto insurance. It means you're more responsible it has been statistically shown that being married results in fewer claims.
  • Don't skimp on liability - Liability insurance provides coverage if ever you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Type of vehicle determines base rates - The performance level of the car you own makes a huge difference in the rate you pay. Lower performance four cylinder passenger models generally have the cheapest insurance rates, but there are many factors that impact the final cost.

Auto insurance ads bend the truth

Consumers in North Carolina can't get away from ads that promise big savings by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you switch to their company.

How do they all claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver that is profitable for them. An example of a desirable insured might be a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote who fits that profile will get very good rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will have to pay more money which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. That's the way companies can truthfully state the savings. Because of the profiling, drivers must get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.

And the best car insurance company is...

When buying insurance coverage, you should never reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest price.

The cheapest auto insurance is available both online and also from your neighborhood Aberdeen agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We covered many ways to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

auto insurance in Aberdeen

Find out more about auto insurance

Even more information is available at the North Carolina Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, file complaints about a company, and get help finding coverage.