Tightwads Guide to Saving on Cameron Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many Cameron consumers feeling the pinch from expensive auto insurance.

Having so many choices, it can be diffult for consumers to find the lowest cost car insurance company.

It's important to price shop coverage every six months because prices are constantly changing. If you had the lowest price on your last policy you can probably find a better price now. Ignore everything you know about auto insurance because you're about to learn the fastest and easiest way to find better coverage at a better price.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes a partial list of the pieces that factor into rates.

  • The more you drive the more you pay - The more you drive in a year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based on their usage. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Do you have enough liability coverage? - The liability section of your policy provides coverage if ever you are found liable for damages caused by your negligence. It will provide legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Too many auto insurance claims drive up costs - If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies in North Carolina award discounts to drivers who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • More than one policy can earn a discount - The majority of insurers will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
  • Pay less if you're married - Having a wife or husband actually saves money on your policy. It usually means you are more mature and it's statistically proven that being married results in fewer claims.
  • Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

North Carolina auto insurance quotes

Save big with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Most are applied at quote time, but less common discounts must be inquired about in order for you to get them.

  • Life Insurance - Some companies give a break if you buy a life insurance policy as well.
  • Organization Discounts - Being a member of a professional or civic organization is a good way to get lower rates on auto insurance.
  • Federal Government Employee - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Homeowners Discount - Owning a house in Cameron can help you save on auto insurance because of the fact that having a home shows financial diligence.

Keep in mind that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn't work that way. But any discount will help reduce your overall premium however.

To choose companies with the best auto insurance discounts in North Carolina, click here to view.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make an identical promise that you can save if you move your policy. But how can every company claim to save you money?

All companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured might be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay more money and ends up with the customer not buying. The ad wording is "people who switch" not "people who quote" save that kind of money. That's the way insurance companies can advertise the savings.

Because of the profiling, you should get as many quotes as possible. It's impossible to know which auto insurance company will fit your personal profile best.

More information is located on the website for the North Carolina Department of Insurance through this link. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, download brochures, and read consumer alerts.

Other informative sites include Auto Insurance 101 and this page where you can research Cameron insurance agents.

The best insurance company isn't always the cheapest

When you buy insurance online, do not buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Affordable auto insurance is definitely available both online in addition to many Cameron insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and most of the time these small, regional companies sell through independent agents.