Car Insurance in Boiling Springs, NC - 8 Discounts You Might be Missing

No one in their right mind looks forward to paying for car insurance, particularly when they are paying too much.

Popular companies such as GEICO and Progressive continually hit you with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance in Boiling Springs is quite easy. Nevertheless, North Carolina consumers do need to know how big insurance companies price online insurance because it can help you find the best coverage.

Take advantage of discounts

Companies offering auto insurance do not list all available discounts in a way that's easy to find, so we researched both the well known and also the lesser-known savings tricks you should be using.

Multi-car Discount - Insuring more than one vehicle on one policy can get a discount on all vehicles.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Auto/Home Discount - When you have multiple policies with the same company you may earn approximately 10% to 15%.
Federal Employees - Simply working for the federal government may qualify you for a discount depending on your company.
Life Insurance - Larger companies have better rates if you take out auto and life insurance together.
Club Memberships - Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance.
Defensive Driver - Taking part in a defensive driving course can save you 5% or more depending on where you live.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

Consumers should know that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

For a list of insurers offering car insurance discounts in Boiling Springs, click here to view.

Boiling Springs Car Insurance Quote Comparison

There are several ways to get quotes from different Boiling Springs insurance companies. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quote forms to each individual car insurance company. A single form compares rates from many national carriers.

A more time consuming way to compare rate quotes is going to each individual company website to complete a price quote. For example, we'll pretend you want to compare , and . To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

To view a list of companies in Boiling Springs, click here.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles for every company. If you compare different liability limits you can't possibly decipher which rate is best in Boiling Springs. Quoting even small variations in coverage limits can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies will improve the odds of getting the best rates.

How to know if you need help

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions might point out whether your personal situation might need professional guidance.

Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Are rental cars covered under my policy?
Do I really need UM/UIM coverage?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies.

The best insurance company isn't always the cheapest

Cost effective car insurance can be found both online as well as from independent agents in Boiling Springs, so compare prices from both in order to have the best chance of saving money. There are still a few companies who don't offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.