Tightwads Guide to Saving on Aulander Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat.

Because you have many options when it comes to car insurance, it's nearly impossible to locate the cheapest company.

It's important to price shop coverage every six months because rates are constantly changing. Despite the fact that you may have had the best rates a couple years back you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance on the web, but we're going to give you some great ways to put money back in your pocket.

Are you getting all your discounts?

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically when you quote, but some may not be applied and must be asked about prior to getting the savings.

  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Resident Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.

It's important to note that most credits do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the cost of coverage.

North Carolina car insurance

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate continually stream ads on television and other media. All the ads say the same thing that you can save after switching your policy. But how can every company make the same claim?

All companies are able to cherry pick for the right customer that earns them a profit. A good example of a preferred risk could be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged a higher premium which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can advertise the way they do.

That is why you should get quotes from several different companies. Because you never know which car insurance company will provide you with the cheapest rates.

Learn more about North Carolina car insurance

More information can be read on the website for the North Carolina Department of Insurance located here. Consumers can file complaints about a company, report car insurance fraud, read enforcement actions against agents and companies, and find out industry alerts.

Also read more on NAIC.org's Understanding your Policy and this directory of insurance agents in Aulander North Carolina.

Do the work, save more money

We just showed you a lot of information how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small local company. Regional companies often have lower prices on specific markets than the large multi-state companies such as .

Lower-priced car insurance can be bought from both online companies in addition to many Aulander insurance agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.