Bladenboro Auto Insurance For Less Than You're Paying Now

Buying the lowest cost Bladenboro auto insurance online can seem to be rather challenging for beginners to comparison shopping online. Because there are so many companies competing online, how can you even start to compare every one to find the best available price?

If you have insurance now or need new coverage, you can learn to find the best rates while maintaining coverages. Finding affordable coverage in Bladenboro is not that difficult. North Carolina drivers only need an understanding of the most effective way to compare rates online.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don't even know exist. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked for before they will apply. If they aren't giving you every credit you deserve, you are throwing money away.

  • Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Accident Waiver - A few companies will forgive one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Paperless Signup - Certain companies may give you up to $50 simply for signing on their website.
  • Student in College - Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill if you qualify.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

Save $429 a year? Really?

Consumers in North Carolina get pounded daily by advertisements for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies have a common claim of big savings if you switch your coverage to them.

How do they all claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer might be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile must pay higher rates and this can result in the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently claim big savings.

This illustrates why you should quote coverage with many companies. It's impossible to know which insurance companies will give you the biggest savings.

Additional auto insurance information can be found on the North Carolina Department of Insurance website located here. Visitors are able to find out which companies have the most complaints, learn about insurance regulations, and read consumer alerts.

A tidy conclusion

Cost effective auto insurance can be found both online as well as from independent agents in Bladenboro, and you need to price shop both to get a complete price analysis. A few companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Drivers switch companies for a number of reasons such as lack of trust in their agent, denial of a claim, policy cancellation and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is less work than it seems.