Finding Cheap Belhaven Car Insurance

Nobody I know cherishes buying car insurance, particularly when the cost is way too high.

You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

Vehicle Insurance Comparison

Most major insurance companies like 21st Century, Allstate and State Farm provide coverage price quotes on their websites. Obtaining pricing is fairly simple as you just enter your personal and coverage information into the quote form. Behind the scenes, the system will obtain reports for credit and driving violations and returns a price. Quoting online streamlines rate comparisons, but having to visit a lot of sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to compare rates makes use of a single form that gets prices from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. After your information is entered, it gets priced and you can select any one of the returned quotes. If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

In order to find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you input the coverages as close as possible to your current policy. This way, you will have a fair comparison based on similar coverages.

Tips to Get Lower Belhaven Rates

It's important that you understand the factors that help determine the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

Add-on coverages can add up - There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Coverages for personal injury protection, accidental death and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.
Bad driving skills means higher rates - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Even a single moving violation can bump up the cost twenty percent or more. Drivers with flagrant tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Older drivers save more - Youthful drivers in North Carolina are known to get distracted easily behind the wheel so they pay higher car insurance rates. If you've ever had to add a youthful driver onto a policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Having a spouse can save you money - Having a spouse can get you a discount on car insurance. Having a spouse translates into being more responsible and it's proven that married couples file fewer claims.

More discounts equal less premium

Companies that sell car insurance don't list all available discounts very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving.

Driver Safety - Successfully completing a defensive driving course can save you 5% or more depending on where you live.
Good Student - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
Student in College - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Paperless Signup - A few companies may give you up to $50 for buying your policy over the internet.
Senior Citizens - Older drivers may be able to get a small decrease in premiums.
Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

For a list of insurers who offer car insurance discounts in North Carolina, click here.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in North Carolina?
Why does it cost so much to insure a teen driver in Belhaven?
Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?

If you can't answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Even more information can be found at the North Carolina Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about a company, read enforcement actions against agents and companies, and get help finding coverage.

Final considerations

Cheaper car insurance can be bought both online as well as from independent agents in Belhaven, and you need to price shop both to have the best chance of lowering rates. Some companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just presented a lot of ways to lower your car insurance rates. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with the least-expected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .

While you're price shopping online, never reduce needed coverages to save money. There are a lot of situations where someone dropped physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.