Car Insurance in Ahoskie - 5 Discounts You Might be Unaware of

Buying low-cost Ahoskie car insurance on the web can be rather challenging for beginners to shopping for insurance online. When there are so many online companies, how can consumers even start to compare every one to find the lowest price available?

It's important to check car insurance prices quite often since rates are constantly changing. Even if you got the best deal last year you can probably find a better price now. So ignore everything you know about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so here is a list some of the more common and also the lesser-known ways to save on car insurance. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • Sign Online - A few companies will give a small break just for signing your application digitally online.
  • College Student - Any of your kids who live away from home and do not have a car can receive lower rates.
  • Bundle and Save - If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.

It's important to note that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

To choose companies offering car insurance discounts in Ahoskie, click this link.

Is there truth in advertising?

Consumers can't ignore all the ads for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to make the same claim that you can save if you switch to them.

How can each company make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money which leads to business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save money. This is how insurance companies can advertise the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

How do I know if I need professional advice?

When buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every situation is different.

For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • Does medical payments coverage apply to all occupants?
  • What are North Carolina no-fault laws?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in North Carolina?
  • Should I file a claim if it's only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

More sites with car insurance information

Additional detailed information is available at the North Carolina Department of Insurance website. Consumers can get help finding coverage, read enforcement actions against agents and companies, and read consumer alerts.

Ahoskie car insurance comparison

A tidy conclusion

Lower-priced car insurance can be found from both online companies and with local Ahoskie insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best price.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, not issuing a premium refund, policy non-renewal or even extreme rates for teen drivers. Regardless of your reason, finding a new car insurance company is easier than you think.