Buy Cheap Camden Auto Insurance

Paying for high-priced auto insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

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 on a regular basis because prices are constantly changing. Even if you got the best rates six months ago you may be paying too much now. Don't believe everything you read about auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Which Auto Insurance is Cheapest in Camden, North Carolina?

Effectively comparing auto insurance prices can take time and effort if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Camden, or you could save time and use the internet to get prices fast.

All the larger companies belong to a marketplace that enables customers to only type in their quote data once, and every company then gives them pricing. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is that consumers can't choose which companies to receive prices from. So if you want to choose specific providers to request quotes from, we put together a list of auto insurance companies in North Carolina. Click to view list.

It's up to you which method you use, but ensure you are comparing identical information with each company. If you are comparing higher or lower deductibles it will be impossible to make an equal comparison in Camden. Quoting even small variations in coverages can result in a big premium difference. Just remember that comparing a large number of companies helps you find the best price.

Camden auto insurance comparison

How to Lower your Auto Insurance Rates

It's important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • Older drivers save more - Youthful drivers in North Carolina are known to be more careless when driving so they pay higher auto insurance rates. If you've ever had to add a teenage driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Pay less if you're married - Getting married can get you a discount on your policy. It translates into being more responsible and it's proven that married drivers get in fewer accidents.
  • Where you live can impact rates - Residing in a rural area can be a good thing when talking about auto insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Pleasure use saves money - Driving more miles in a year's time the more you will pay for auto insurance. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage shows the proper vehicle usage.
  • Liability coverage is cheap - Liability coverage is the protection if ever you are found liable for personal injury or accident damage. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and burglary. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more expense you have to pay, the bigger discount you will receive.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount.

  • College Student - Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Accident Waiver - Certain companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
  • Claim Free - Drivers who don't have accidents pay less as compared to frequent claim filers.
  • Own a Home - Owning a house in Camden can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of companies who offer auto insurance discounts in North Carolina, click here to view.

Additional information can be read on the website for the North Carolina Department of Insurance located here. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, view agent and company licensing information, and file complaints about an insurance agent or broker.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Camden.

Shop smart and save

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at a price you can afford.

Cheaper auto insurance can be purchased both online as well as from independent agents in Camden, so compare prices from both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and most of the time these small insurance companies sell through independent agents.