Tightwads Guide for Saving on Browns Summit Car Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as many other drivers in North Carolina.

Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

How to Compare Car Insurance Costs in Browns Summit

There are several ways to compare quotes and find the best price. The recommended way to find the lowest rates is to get quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. Taking the time to complete one form will return price quotes from multiple companies.

Another way to compare rate quotes consists of visiting the website for every company you want to comare to request a price quote. For examples sake, let's say you want rates from , and . To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Browns Summit, click here.

It's up to you which method you use, but double check that you are using exactly the same deductibles and coverage limits for each price quote. If the quotes have different values for each quote then you won't be able to truly determine the lowest rate in Browns Summit. Quoting even small variations in limits can mean a large discrepancy in price. It's important to know that more quotes will increase your chances of finding better pricing.

car insurance in Browns Summit

Why some people pay less for insurance in Browns Summit

It's important that you understand the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes a few of the "ingredients" companies use to determine premiums.

  • Drive a safer car and pay less - Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Claim-free discounts can add up - If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies in North Carolina award cheaper rates to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • How's your driving record? - Whether or not you get tickets has a huge affect on how much you pay. Good drivers get better rates than people who have multiple driving citations. Even one speeding ticket can increase rates by twenty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Do you have enough liability coverage? - The liability section of your policy will protect you if you are found to be at fault for damages from an accident. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Don't buy coverages you don't need - There are a lot of extra bells and whistles that you can get tricked into buying on your policy. Insurance for roadside assistance, accidental death and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don't need them eliminate the coverages to reduce your premium.
  • Performance influences rates - The make and model of the vehicle you are insuring makes a big difference in the rate you pay. Small economy passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
  • Your credit rating is important - A driver's credit rating is a big factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores. So if your credit rating can use some improvement, you could be paying less to insure your by improving your credit score.

Take advantage of discounts

Car insurance companies don't always list all available discounts in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Fewer Miles Equal More Savings - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education in high school.
  • Military Rewards - Being on active duty in the military can result in better rates.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Club Memberships - Belonging to a civic or occupational organization is a good way to get lower rates when buying car insurance.

Keep in mind that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

For a list of insurers with the best car insurance discounts in Browns Summit, click here to view.

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

compare Browns Summit car insurance rates

The best insurance company isn't always the cheapest

Affordable car insurance is possible from both online companies and with local Browns Summit insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you some good ideas how you can lower your car insurance rates. The key concept to understand is the more companies you get rates for, the better chance you'll have of finding lower rates. You may even find the lowest premiums are with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like .