Tightwads Instructions on Saving on Atlantic Beach Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are many Atlantic Beach consumers feeling the pinch from expensive auto insurance. Lots of contend for your business, so it can be very hard to choose a to discover the definitive lowest rate

It's important to compare rates at least once a year because prices are constantly changing. If you had the best price last year there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to find better coverage at a better price.

You have some control over your rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

The list below includes a few of the "ingredients" auto insurance companies consider when setting your rates.

Cautious drivers pay less - Your driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates than people who have multiple driving citations. Just one moving violation can boost insurance rates forty percent or more. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
Safer occupants lowers premiums - Cars with high safety ratings are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Don't buy coverages you don't need - There are a lot of extra coverages you can purchase when buying auto insurance. Coverages like personal injury protection, better glass coverage and term life insurance are examples of these. These may sound like a good investment at first, but if they're wasting money get rid of them and save.
Marriage brings a discount - Having a spouse actually saves money when buying auto insurance. Marriage means you're more responsible and it's statistically proven that being married results in fewer claims.
Where you live can impact rates - Choosing to live in a rural area has it's advantages when talking about auto insurance. Fewer drivers translates into fewer accidents. Drivers in populated North Carolina areas have congested traffic and longer commute times. More time commuting translates into higher accident risk.
Liability coverage is cheap - The liability section of your policy provides coverage in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

How to Compare Atlantic Beach Auto Insurance Costs

All major auto insurance companies such as State Farm and Allstate provide prices online. This process is quite easy as you simply enter the coverage amounts you desire into the quote form. After the form is submitted, the system will obtain your driving and credit reports and generates a price. Online price quotes simplifies rate comparisons, but the time required to go to many different websites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find a lower rate.

The preferred way to find better auto insurance pricing uses one form that analyzes rates from several different companies. It's a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. Immediately after submitting the form, it gets priced and you are able to buy any of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and fill out the form. If you currently have coverage, we recommend you replicate deductibles and limits as close as possible to your current policy. This makes sure you will have rate quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't always advertise every available discount in an easy-to-find place, so we took the time to find both the well known and the more hidden auto insurance savings. If they aren't giving you every credit possible, you are paying more than you should be.

Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
Low Mileage - Keeping the miles down can earn lower rates on the low mileage vehicles.
Student Driver Training - Cut your cost by having your teen driver take driver's ed class in high school.
No Charge for an Accident - A few companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
Organization Discounts - Being a member of certain professional organizations could qualify you for a break on your policy.
Resident Student - Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

To choose providers with the best auto insurance discounts in Atlantic Beach, follow this link.

Switch companies and save? Really?

Consumers in North Carolina can't ignore all the ads that promise big savings by State Farm and Allstate. All the ads say the same thing about savings if you move to their company.

How do they all claim to save you money?

All companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be over the age of 40, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile receives the best rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will be charged a more expensive rate which usually ends up with the customer not buying. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's the way companies can truthfully claim big savings. That is why you need to get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Even more information can be found at the North Carolina Department of Insurance website. Visitors are able to file complaints about a company, find disaster information, view a list of available companies, and discover disciplinary actions.

In the end, you save

We covered a lot of information how to compare auto insurance prices online. The key concept to understand is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

Cheaper auto insurance is possible both online and also from your neighborhood Atlantic Beach agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.