Free Guide to Paying Less for Avon Auto Insurance Online

I can't think of a single person who likes having to buy auto insurance, especially knowing the cost is way too high.

Since consumers have many different company options, it's nearly impossible to choose the right company.

It's important to price shop coverage periodically since insurance rates are constantly changing. Just because you had the best price a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because you're about to learn the proper way to find great coverage at a great price.

Avon Auto Insurance Comparisons

The are a couple different ways of comparing rate quotes from different Avon insurance companies. The recommended way to find competitive insurance rates consists of shopping online. This can be accomplished in several different ways.

The first (and easiest) way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method eliminates the need for a different quote for each company. Just one form will return quotes .

A less efficient way to shop for auto insurance online is to take the time to go to the website for each individual company to complete their respective quote request forms. For instance, we'll assume you want to compare , and . You would have to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Avon, click here.

The least efficient method to compare rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. You can, however, compare the best prices online but buy from a local insurance agent and we'll touch on that later.

Whichever way you use, be sure to compare apples-to-apples coverages and limits on every quote you get. If you use different deductibles it will be next to impossible to determine which rate is truly the best in Avon. Just a small difference in coverages may result in large price differences. Keep in mind that comparing more company's prices provides better odds of finding a lower rate.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand some of the elements that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with better auto insurance rates.

Big city or small town - Living in a small town can be a good thing when buying auto insurance. City drivers have to deal with much more traffic and longer commute times. Fewer drivers means reduced accidents.
The type of vehicle makes a difference - The type of car you own makes a significant difference in determining your rates. The most favorable rates are generally reserved for economy passenger vehicles, but other factors influence the final cost greatly.
Traffic citations inflate rates - Just one moving violation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
One company can mean more discounts - Most companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to shop around to confirm you are receiving the best rates possible.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but a few need to be asked about prior to getting the savings.

Bundle and Save - When you have multiple policies with one company you may earn 10% to 20% off each policy.
Early Signing - A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Payment Discounts - If you pay your bill all at once rather than paying monthly you could save 5% or more.
Club Memberships - Affiliation with a professional or civic organization could qualify you for a break on auto insurance.
Federal Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of companies offering auto insurance discounts in North Carolina, follow this link.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need professional guidance.

What are the best liability limits?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have any recourse if my insurance company denies a claim?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Additional information can be found on the website for the North Carolina Department of Insurance through this link. North Carolina drivers can view agent and company licensing information, learn about specific coverages, file complaints about a company, and read consumer alerts.

Other useful links include Wikipedia and this Avon agent directory.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In many instances, someone dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at an affordable rate.

In this article, we covered many ways to lower your auto insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a company that doesn't do a lot of advertising. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like .