Tightwads Tips for Saving on Clinton Car Insurance

Have you had enough of being strong-armed each month for car insurance? Your situation is no different than many other drivers in North Carolina. Consumers have many to buy insurance from, and although it's a good thing to have a choice, it can be more difficult to compare rates.

It's important to compare rates before your policy renews because rates are constantly changing. Despite the fact that you may have had the best price six months ago there may be better deals available now. Block out anything you think you know about car insurance because we're going to demonstrate one of the best ways to lower your rates without sacrificing coverage.

Choosing the best insurance company for you in Clinton is quite easy. If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. North Carolina drivers only need an understanding of the proper methods to shop their coverage around over the internet.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts very clearly, so we took the time to find some of the more common as well as the least known ways to save on car insurance. If you're not getting every credit available, you're just leaving money on the table.

55 and Retired - Older drivers may be able to get better car insurance rates.
Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
One Accident Forgiven - Certain companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
Good Students Pay Less - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
Bundle and Save - When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Driver Safety - Completing a driver safety course could save 5% or more depending on where you live.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

For a list of companies who offer car insurance discounts in North Carolina, click this link.

How to Compare Clinton Car Insurance Rates

Most major insurance companies like Progressive, GEICO, Allstate and State Farm quote prices online. The process is quite easy as you just type in into the quote form. Once entered, their rating system will obtain credit information and your driving record and returns a price quote based on these factors. Quoting online simplifies rate comparisons, but the time required to go to a lot of sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to perform this step if you are searching for a lower rate.

There is an easier way!

A more efficient way to lower your car insurance bill utilizes a single form that gets price quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable. Once the form is submitted, it is quoted and you can select any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and may result in a nice savings.

If you want to find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you input the coverage information identical to your current policy. This helps ensure you're receiving a fair comparison based on identical coverages.

Best coverage at the best price

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced physical damage coverage only to discover later that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford.

Cost effective car insurance can be bought from both online companies and also from your neighborhood Clinton agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.