Top 6 Ways to Save on Car Insurance in Cherokee, NC

Finding lower premiums on Cherokee car insurance is a challenge for consumers not familiar with comparison shopping online. You have so many choices that it can easily become a lot of work to compare prices in Cherokee.

compare Cherokee car insurance rates

Fast and Easy Cherokee Car Insurance Quotes

There are several ways to compare rate quotes and find the best price. One of the best ways to find the cheapest insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotes for each company. Taking the time to complete one form will get you price quotes instantly. This is by far the quickest method.
  2. A different way to compare rate quotes requires a visit to the website of each company and request a quote. For example, let's say you want rates from , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in Cherokee, click here.

Which method you use is up to you, but double check that you are using apples-to-apples coverage limits with every price quote. If you compare differing limits it will be impossible to find the best deal in Cherokee. Just a small difference in coverages may result in a large different in cost. It's important to know that getting more free quotes provides better odds of finding better pricing.

Take advantage of discounts

Car insurance companies don't list every discount very well, so the following is a list of some of the more common and the more hidden car insurance savings.

  • Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • Safety Course Discount - Taking a driver safety course could save 5% or more if your company offers it.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
  • Organization Discounts - Belonging to a professional or civic organization could qualify you for a break when shopping for car insurance.
  • Distant Student - Children living away from home attending college and don't have a car may qualify for this discount.

A little note about advertised discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you won't be that lucky.

To choose insurance companies with discount car insurance rates in North Carolina, follow this link.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing about savings if you change to their company. But how can every company make the same claim?

Different companies can use profiling for the driver that makes them money. A good example of a driver they prefer could be a mature driver, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a more expensive rate which usually ends up with business going elsewhere. The ads say "people who switch" not "people who quote" save that much. That's why companies can truthfully advertise the way they do. This emphasizes why you need to compare as many rates as you can. It's just too difficult to predict the company that will provide you with the cheapest rates.

Even more information can be read at the North Carolina Department of Insurance website. Consumers can download brochures, view a list of available companies, and discover disciplinary actions.

Other informative sites include this site for car insurance rates in North Carolina and this list of insurance agents in Cherokee, NC.

compare Cherokee car insurance rates

Do the work, save more money

Consumers leave their current company for many reasons like extreme rates for teen drivers, questionable increases in premium, policy cancellation or even delays in paying claims. No matter why you want to switch, finding the right car insurance provider is easier than you think.

Cheaper car insurance is attainable from both online companies and also from your neighborhood Cherokee agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

When shopping online for car insurance, do not reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.