Easy Methods to Save Money on Burlington Auto Insurance

Using the web to shop for Burlington auto insurance is challenging if you are a beginner to online rate quotes. But relax because we're going to show you how.

Buying car insurance in Burlington is easy if you know what you're doing. Basically, everyone who is required by state law to have auto insurance stands a good chance to be able to reduce their rates. But North Carolina vehicle owners do need to know how the larger insurance companies price insurance differently and use this information to your advantage.

Save big with these discounts

Car insurance companies don't always list every discount very clearly, so we break down some of the best known as well as the least known discounts you could be receiving.

Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.
Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
Passive Restraint Discount - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
New Vehicle Savings - Adding a new car to your policy is cheaper compared to insuring an older model.
Multiple Policy Discount - If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Clubs and Organizations - Affiliation with a qualifying organization may earn a discount when shopping for auto insurance.

Consumers should know that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies don't profit that way.

But I don't know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is a little different.

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

Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?
Do I have coverage when using my vehicle for my home business?

If you can't answer these questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form.

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim that you'll save big after switching to their company. How does each company say the same thing?

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted higher prices and this can result in business not being written. The ads say "customers that switch" not "people who quote" save that much. That is how companies can advertise the way they do. This emphasizes why you should compare as many rates as you can. It's not possible to predict which company will provide you with the cheapest rates.

More detailed North Carolina auto insurance information can be found at the North Carolina Department of Insurance website. North Carolina drivers can view a list of available companies, find out industry alerts, and view agent and company licensing information.

Affordable insurance is out there

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, policy cancellation, delays in paying claims and even denial of a claim. Whatever your reason, choosing a new insurance company is less work than it seems.

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies.