6 Ways You Can Buy Car Insurance for Less in Boone

Beginners to buying insurance online will discover finding cheap Boone car insurance is not as easy as it seems.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Just because you found the lowest price two years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to save money.

Buying car insurance in Boone is easy if you know what you're doing. Basically, everyone who is required by state law to have car insurance will be able to reduce their rates. But North Carolina car owners do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Save big with these six discounts

Auto insurance companies do not list every available discount very clearly, so we researched some of the more common and also the lesser-known savings tricks you should be using.

Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
E-sign - A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
Accident Forgiveness - Certain companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
Resident Student - Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.

Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way.

To see a list of providers who offer car insurance discounts in North Carolina, click here to view.

Automobile Insurance Quotes in Boone, NC

There are several ways to compare rate quotes from different Boone insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing multiple quote forms to each individual car insurance company. A single form gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
A different way to get quotes online requires visiting the website for each individual company and complete a new quote form. For sake of this example, let's assume you want to compare , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Boone, click here.

It's your choice how you get your quotes, but make absolute certain that you use identical quote information on every quote. If each company quotes mixed coverages then you won't be able to make a fair comparison in Boone. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes helps locate the best offered rates.

But I don't know anything about car insurance

When choosing the best car insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Every situation is different.

These are some specific questions might point out if your situation will benefit from professional help.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?
Do I need PIP (personal injury protection) coverage in North Carolina?
Why does it cost so much to insure a teen driver in Boone?
I have good health insurance, so how much medical payments coverage do I need?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads make an identical promise that you'll save big after switching to their company. How does each company make the same claim? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that is profitable for them. For instance, a preferred risk could be between the ages of 40 and 55, owns a home, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Consumers who fall outside these standards will be charged higher rates and ends up with business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that much. That is how companies can state the savings. That is why drivers must quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Final considerations

When buying insurance coverage, never reduce coverage to reduce premium. Too many times, an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Discount car insurance can be sourced from both online companies and also from your neighborhood Boone agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

You just learned many tips how you can compare car insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies.

For more North Carolina car insurance information

More detailed North Carolina car insurance information is located at the North Carolina Department of Insurance website. Consumers can find out industry alerts, read consumer alerts, and get help finding coverage.