How to Find Cheaper Clemmons Auto Insurance

If online auto insurance comparisons are new to you, you may be overwhelmed by the large number of auto insurance companies all offering big savings in Clemmons.

It's important to price shop coverage periodically because insurance rates are constantly changing. Just because you had the best rates a few years ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance online, so we're going to give you some great ways to put money back in your pocket.

Don't pay full price with these discounts

Companies offering auto insurance don't list every available discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Early Signing - Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Passive Restraints - Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Low Mileage - Driving fewer miles could qualify for better rates on cars that stay parked.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

Clemmons auto insurance quote

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it's difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

The auto insurance bait and switch

North Carolina consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads make the same claim about savings if you switch your policy.

How do they all make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a preferred risk could possibly be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A driver who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be charged higher rates which leads to the driver buying from a lower-cost company. The ads state "customers who switch" not "everyone that quotes" save that kind of money. That is how companies can truthfully advertise the way they do. That is why you should get as many quotes as possible. It is impossible to predict which company will provide you with the cheapest rates.

Even more information can be read at the North Carolina Department of Insurance website. North Carolina consumers can find out industry alerts, learn about specific coverages, and file complaints about a company.

North Carolina auto insurance

Best coverage at the best price

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

In this article, we presented some good ideas how to reduce auto insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the smallest insurance companies.

Cheaper auto insurance is available online in addition to many Clemmons insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.