Catawba Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of auto insurance choices in Catawba? You're not the only one! You have so many options that it can turn into a big hassle to find the perfect company for you.

It's important to do rate comparisons at least once a year since insurance rates are constantly changing. Despite the fact that you may have had the best deal six months ago there is a good chance you can find better rates now. So just block out anything you think you know about auto insurance because it's time to teach you the proper way to remove unneeded coverages and save money.

Buying affordable protection in Catawba is simple if you know the tricks. Basically, every driver who is required by state law to have auto insurance will most likely be able to lower their premiums. But North Carolina vehicle owners do need to know the way insurance companies compete online and take advantage of how the system works.

Why some people pay less for insurance in Catawba

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Men pay higher rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean women are better drivers. Both sexes tend to get into accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Don't buy coverages you don't need - There are a ton of extra coverages that you can buy if you aren't careful. Coverages for roadside assistance, towing coverage and motor club memberships are examples of these. They may seem like a good idea at first, but if you don't need them eliminate them to save money.
Teen drivers pay high rates - Teenage drivers in North Carolina are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
Keep rates low by being claim-free - Car insurance companies in North Carolina provide lower rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and windstorm damage. Your deductibles are how much you are required to spend if you file a covered claim. The more money you're willing to pay, the less your auto insurance will be.
The more you drive the more you pay - Driving more miles in a year the more you will pay for auto insurance. Most companies price each vehicle's coverage based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance coverage shows the proper vehicle usage, because it can save money.
Liability coverage is peace of mind - Liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Comprehensive Catawba Auto Insurance Comparison Quotes

There are several ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find competitive insurance rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions for each company you want a rate for. Completing one form will get you rate comparisons from all major companies. Recommended for those who want to invest the least amount of time.
A harder way to get quotes online requires you to visit each company's website to complete a price quote. For sake of this example, let's say you want to compare rates from , and . To get each rate you have to spend time on each company's site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Catawba, click here.
The least efficient method to get comparison rates is driving to and from local Catawba insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the personal advice that only a license agent can provide. You can, however, find lower rates online and still use a local agent and we'll touch on that later.

Whichever way you use, compare identical coverage information for every company. If you enter unequal deductibles or liability limits it will be impossible to decipher which rate is best in Catawba. Just a small difference in insurance coverages can mean a large discrepancy in price. Just keep in mind that more quotes helps locate the best offered rates.

Save big with these discounts

The cost of insuring your cars can be expensive, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some must be requested specifically in order for you to get them.

Senior Discount - If you're over the age of 55, you may be able to get reduced rates.
Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
College Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Multiple Vehicles - Insuring multiple vehicles with the same company could earn a price break for each car.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
Organization Discounts - Affiliation with a qualifying organization could qualify you for a break on auto insurance.
Payment Method - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Homeowners Discount - Owning a house in Catawba may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down your overall premium however.

To choose companies who offer auto insurance discounts in North Carolina, follow this link.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to say the same thing that you'll save big after switching to them. How does each company say the same thing?

Insurance companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured might be profiled as a mature driver, has no tickets, and has a high credit rating. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential insureds who fall outside these standards will have to pay more money which usually ends up with business not being written. The ad wording is "people who switch" not "people who quote" save money. That's the way companies can state the savings.

Because of the profiling, you need to compare as many rates as you can. It's not possible to predict which auto insurance company will have the lowest rates.

Much more information about auto insurance in North Carolina is available on the North Carolina Department of Insurance website through this link. North Carolina drivers can learn about insurance regulations, discover disciplinary actions, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Discount auto insurance can be bought on the web and with local Catawba insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Consumers change insurance companies for many reasons like denial of a claim, delays in responding to claim requests, not issuing a premium refund or even extreme rates for teen drivers. Whatever your reason, finding the right auto insurance provider is easier than you think.