Buy Cheaper Clayton Car Insurance

Expensive car insurance can empty your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Lots of contend to insure your vehicles, and because of this it can be hard to compare and uncover the absolute lowest rate

Clayton Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what influences your rates enables informed choices that will entitle you to lower car insurance prices.

Your stress level may be raising your rates - Careers like lawyers, business owners and accountants tend to have higher rates than average in part from high stress and lengthy work days. On the flip side, occupations such as pilots, athletes and retirees receive lower rates.
Pay less if you're married - Having a spouse helps lower the price on your policy. Having a significant other means you're more mature it has been statistically shown that married drivers get in fewer accidents.
Safer occupants lowers premiums - Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
Extra add-on coverages are wasting money - There are quite a few add-on coverages that can waste your money when buying car insurance. Coverages like rental car reimbursement, accident forgiveness and term life insurance may be costing you every month. These coverages may sound good when talking to your agent, but if they're wasting money get rid of them and save.
With age comes lower rates - More mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Youthful drivers have a tendency to be less responsible when driving therefore car insurance rates are much higher.
Lower miles equals lower premium - The higher the mileage driven in a year's time the higher your rate. Most insurance companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your car insurance declarations sheet is showing the correct usage for each vehicle.

These discounts can lower your rates

Companies offering auto insurance do not list every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If they aren't giving you every credit you deserve, you are paying more than you should be.

No Accidents - Drivers who don't have accidents can save substantially when compared to accident-prone drivers.
Paperwork-free - Certain companies may give you up to $50 just for signing your application on their website.
Low Mileage Discounts - Low mileage vehicles can earn discounted rates on garaged vehicles.
Safety Course Discount - Completing a defensive driving course could cut 5% off your bill if your company offers it.
Distant Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.

It's important to note that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, you're out of luck.

To choose insurance companies with discount car insurance rates in Clayton, click here to view.

Are you falling for claims of savings?

Consumers in North Carolina can't ignore all the ads for car insurance savings by Progressive, Allstate and GEICO. They all make an identical promise that you can save if you change to their company.

How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the driver that makes them money. For example, a driver they prefer might be between 30 and 50, insures multiple vehicles, and has great credit. Any driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a more expensive rate and ends up with the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. This is how insurance companies can advertise the savings. This emphasizes why you should get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.

For more North Carolina car insurance information

Additional detailed information can be found at the North Carolina Department of Insurance website. Visitors are able to read industry bulletins, get help finding coverage, find disaster information, and discover disciplinary actions.

And the best car insurance company is...

Lower-priced car insurance is attainable both online and also from your neighborhood Clayton agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

When you buy insurance online, you should never buy poor coverage just to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.