6 Ways You Can Buy Car Insurance for Less in Ash North Carolina
Are you intimidated by the number of car insurance companies in Ash? Lot's of other consumers are too. There are so many choices that it can turn into a ton of work to find better rates.
Choosing the best insurance company for you in Ash is not that difficult. If you have a current car insurance policy or need new coverage, you will benefit by learning to find better prices while maintaining coverages. North Carolina consumers only need to know the tricks to find the lowest price over the internet.
How to Compare Car Insurance Quotes in Ash, North Carolina
Effectively comparing car insurance prices can take hours if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Ash, or you can utilize the web for quick rates.
Most of the larger companies belong to an insurance system that enables customers to send in one quote, and each company provides a quote based on that information. This eliminates the need for repetitive form submissions to each individual car insurance company.
To submit your quote information now, click here to open in new window.
The only drawback to comparing rates this way is you don't know exactly which providers to get pricing from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of low cost car insurance companies in North Carolina. Click to view list.
It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information on every quote you get. If the quotes have mixed coverages it will be next to impossible to determine which rate is truly the best in Ash.
Don't pay full price with these six discounts
Companies that sell car insurance don't always advertise all available discounts very well, so here is a list both the well known and the more hidden car insurance savings. If you don't get every credit possible, you are paying more than you should be.
- Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
- Multiple Vehicles - Having multiple vehicles with the same company could earn a price break for each car.
- No Charge for an Accident - Some insurance companies permit an accident before hitting you with a surcharge so long as you haven't had any claims for a particular time prior to the accident.
- Discount for Good Grades - This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Discount for Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
- Auto/Home Discount - If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.
To choose insurers who offer car insurance discounts in North Carolina, follow this link.
The car insurance bait and switch
Consumers in North Carolina can't ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies say the same thing about savings after switching to their company.
But how can every company claim to save you money?
All the different companies are able to cherry pick for the driver that makes them money. An example of a profitable customer might be over the age of 50, has no driving citations, and has great credit. Any new insured who fits that profile will get the preferred rates and therefore will save a lot of money.
Potential customers who don't measure up to this ideal profile must pay a higher premium which usually ends up with the customer not buying. The ads state "people who switch" not "everyone that quotes" save that much. That's the way companies can truthfully advertise the savings. This illustrates why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.
Even more information is available at the North Carolina Department of Insurance website. Visitors are able to find disaster information, find out which companies have the most complaints, and learn about insurance regulations.
Other informative sites include this resource for North Carolina car insurance prices and this page of Ash insurance agents.
In the end, you save
The cheapest car insurance can be sourced both online and also from your neighborhood Ash agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
We just covered a lot of tips how to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising.
As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.
