How to Find Cheaper Brevard Auto Insurance

Buying the cheapest Brevard auto insurance over the internet may be impossible for consumers new to comparison shopping online. With so many choices of insurers to choose from, how can consumers even start to compare the different rates to find the best available rates?

If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Shopping for the cheapest coverage in Brevard is easy if you know what you're doing. But North Carolina drivers do need to know how big insurance companies price online insurance because it can help you find the best coverage.

How much can you save with discounts?

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Accident Free - Drivers who don't have accidents pay much less when compared to bad drivers.
  • Accident Waiver - A few companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Low Mileage Discounts - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Student Driver Training - Have your child successfully complete driver's ed class in school.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way.

To see a list of insurance companies offering auto insurance discounts in Brevard, click here to view.

Brevard Auto Insurance Prices Online

Comparing auto insurance rates can be a daunting task if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Brevard, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and every company returns a competitive quote based on that information. This saves time by eliminating quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The single downside to using this type of form is that consumers can't choose which carriers to get quotes from. So if you want to choose individual companies to request quotes from, we have a page of auto insurance companies in North Carolina. Click here for list of insurance companies in North Carolina.

It's your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for every company. If the quotes have different liability limits it's not possible to decipher which rate is best in Brevard. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that more quotes will increase your chances of finding the best rates.

Why some people pay less for insurance in Brevard

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Your job and insurance rates - Did you know that where you work can have an impact on rates? Careers like judges, business owners and accountants tend to pay higher rates than average because of stressful work requirements and long work hours. On the flip side, occupations like pilots, athletes and homemakers have the lowest average rates.
  • Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that women are better drivers. Men and women have accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Discounts for multiple policies - Most insurers provide better rates to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal.
  • Drive a safer car and pay less - Safer cars can get you lower premiums. The safest vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you.
  • High deductibles save money - Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more you're willing to pay, the bigger discount you will receive.
  • Small claims can cost you - Companies in North Carolina award better rates to people who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for the bigger claims that can't be paid out-of-pocket.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make an identical promise that you'll save big if you switch to them. How do they all make almost identical claims?

Different companies have a preferred profile for the type of driver that is profitable for them. For instance, a driver they prefer could possibly be between 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't meet the "perfect" profile will be quoted more money and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save money. This is how companies can make the claims of big savings. This emphasizes why drivers must get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

Shop smart and save

People switch companies for a number of reasons such as high rates after DUI convictions, denial of a claim, policy non-renewal or delays in responding to claim requests. It doesn't matter what your reason, choosing a new insurance company is actually quite simple.

Discount auto insurance can be found online and with local Brevard insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and these small, regional companies work with independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

More detailed North Carolina auto insurance information is located at the North Carolina Department of Insurance website. North Carolina consumers can read industry bulletins, learn about insurance regulations, and read consumer alerts.