Tightwads Tips for Saving on Burgaw Car Insurance

Scraping up a payment for overpriced car insurance can dwindle your personal savings and put a big crunch on your finances. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Drivers have so many to pick from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.

It's important to compare prices quite often due to the fact that insurance rates are constantly changing. Just because you found the lowest price last year there may be better deals available now. Don't believe everything you read about car insurance online but we're going to give you some great ways to stop overpaying for insurance.

The purpose of this article is to help you learn the best way to quote coverages and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. North Carolina vehicle owners just need to know the most effective way to get comparison quotes over the internet.

Take advantage of discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be asked for before you will receive the discount. If you're not getting every credit you deserve, you're just leaving money on the table.

Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Resident Student - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Accident Waiver - Certain companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
Senior Citizens - Older drivers may be able to get a small decrease in premiums.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
Driver Safety - Taking a defensive driving course could cut 5% off your bill depending on where you live.
Drivers Education - Require your teen driver to take driver's ed class if it's offered in school.
Government Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
Multi-policy Discount - When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

For a list of providers who offer car insurance discounts in North Carolina, follow this link.

Low Cost Burgaw Car Insurance

Finding a better price on car insurance isn't really that difficult. Just take a couple of minutes comparing rates from different insurance companies. This can be done 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 (click to open form in new window). This method saves time by eliminating separate quotation requests for each company. One form gets you price quotes from car insurance companies with the best prices.

A slightly less efficient method to compare rate quotes requires visiting the website for each individual company to complete a price quote. For sake of this example, we'll assume you want comparison quotes from , and . You would have to spend time on each company's site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Burgaw, click here.

Whichever way you use, make darn sure you compare identical quote information with each company. If each company quotes mixed coverages it will be very difficult to make an equal comparison in Burgaw.

How to know if you need help

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

Do I need PIP (personal injury protection) coverage in North Carolina?
Why does it cost so much to insure a teen driver in Burgaw?
I have good health insurance, so how much medical payments coverage do I need?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Do I really need UM/UIM coverage?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It's fast, free and may give you better protection.

And the best car insurance company is...

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. Too many times, drivers have reduced collision coverage and learned later that it was a big mistake. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Budget-conscious car insurance can be sourced both online as well as from independent agents in Burgaw, and you need to price shop both to have the best chance of lowering rates. A few companies don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.