Easy Tips to Pay Less on Black Mountain Auto Insurance

Finding the best price on Black Mountain auto insurance can seem like an uphill battle if you have never used online quotes. But relax because there is an easy way to compare rates.

Why some people pay less for insurance in Black Mountain

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

Too many auto insurance claims drive up costs - Companies in North Carolina provide lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
Traffic citations inflate rates - Even one citation can increase rates by as much as thirty percent. Good drivers receive lower rates than their less careful counterparts. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Do you have enough liability coverage? - Your policy's liability coverage is the coverage that protects you when a jury decides you are liable for damages from an accident. It will provide legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Marriage brings a discount - Having a wife or husband helps lower the price when buying auto insurance. Having a significant other is viewed as being more mature and it's statistically proven that married couples file fewer claims.

Auto Insurance Comparison Rates in Black Mountain, NC

There are several ways of comparing rate quotes from different Black Mountain insurance companies. One of the best ways to find the cheapest insurance rates is to get quotes online. This is very easy and can be done using a couple different methods.

The fastest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate forms for every auto insurance company. Just one form gets you price quotes from several companies. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes requires a trip to the website of each company and fill out their own quote form. For examples sake, let's assume you want to compare , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Black Mountain, click here.

Which method you use is up to you, but be sure to compare identical quote information for every quote you compare. If you use mixed coverages it will be impossible to determine the best price in Black Mountain. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that more quotes helps locate a better price.

Take advantage of discounts

Auto insurance companies don't always advertise every discount very clearly, so we researched some of the best known and the more hidden auto insurance savings.

Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
Good Student - This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Multiple Cars - Insuring all your vehicles with the same company could earn a price break for each car.
Homeowners Savings - Simply owning a home may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
Military Rewards - Having a deployed family member could be rewarded with lower premiums.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, it just doesn't work that way.

To choose insurance companies with discount auto insurance rates in North Carolina, follow this link.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing that you can save if you change to them. How does each company say the same thing?

All companies have a certain "appetite" for the type of driver that makes them money. For instance, a driver they prefer might be profiled as between 30 and 50, a clean driving record, and has great credit. A propective insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards will be quoted higher prices which usually ends up with business not being written. The ads state "people who switch" not "people who quote" save money. That is how insurance companies can advertise the savings. This emphasizes why you need to quote coverage with many companies. It's not possible to predict which company will give you the biggest savings.

How to know if you need help

When buying the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

Am I covered if I drive in a foreign country?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?
Am I covered when pulling a rental trailer?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Additional detailed information is located at the North Carolina Department of Insurance website. North Carolina drivers can download brochures, file complaints about a company, and find out which companies have the most complaints.

Affordable insurance is out there

Consumers leave their current company for many reasons like extreme rates for teen drivers, poor customer service, lack of trust in their agent or even an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is easier than you think.

In this article, we covered a lot of information how to compare auto insurance prices online. It's most important to understand that the more price quotes you have, the better chance you'll have of finding lower rates. Drivers may discover the best prices are with an unexpected company.

Affordable auto insurance can be sourced on the web and with local Black Mountain insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and these small, regional companies work with independent agents.