Clyde Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the crazy number of auto insurance options in Clyde? Lot's of other consumers are too. People have so many options that it can turn into a real challenge to compare prices.

Finding affordable coverage in Clyde is quite easy. In a nutshell, every driver who has to buy auto insurance stands a good chance to be able to save money. Nevertheless, North Carolina drivers do need to know how big insurance companies sell insurance online and apply this information to your search.

Compare the Market for Auto Insurance in Clyde

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find the cheapest insurance rates consists of obtaining rate quotes online. This can be accomplished in several different ways.

The first (and easiest) way to find low rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for boring form submissions for each company. Completing one form will return quotes from all major companies. Recommended for those who want to invest the least amount of time.

A less efficient way to shop for auto insurance online is to take the time to go to the website of each company to complete their respective quote request forms. For example, we'll pretend you want to compare rates from , and . You would have to visit each site and enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Clyde, click here.

However you get your quotes, compare identical coverages and limits on every quote you get. If you compare different deductibles it will be next to impossible to determine which rate is truly the best in Clyde. Slightly different coverage limits may result in large price differences. Just keep in mind that comparing more company's prices helps locate a lower rate.

Tips to Get Lower Clyde Rates

It's important that you understand the factors that go into determining the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

  • Your occupation can affect rates - Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and financial analysts have higher average rates attributed to job stress and long work hours. Conversely, occupations like actors, engineers and homemakers get better rates.
  • Do you need the policy add-ons? - There are many extra coverages that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so eliminate them to save money.
  • Traffic violations increase rates - A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets receive lower rates than bad drivers. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Are you male or female? - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar percentages, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • High crash test scores lower rates - Safer cars get lower rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates.
  • You might want pay the small claims yourself - Companies in North Carolina generally give lower rates to policyholders who do not file claims often. If you file claims often, you can expect either higher rates or even cancellation. Car insurance is designed for the large, substantial claims.
  • Adjust deductibles and save - The deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The higher the amount you have to pay, the less your auto insurance will be.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • Claim Free - Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Discount for Good Grades - Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Save over 55 - Older drivers may qualify for a small decrease in premiums.
  • Low Mileage Discounts - Driving fewer miles can earn a substantially lower rate.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.

It's important to understand that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way.

For a list of insurance companies offering auto insurance discounts in North Carolina, click here.

More tips and info about auto insurance can be found at the North Carolina Department of Insurance website. North Carolina consumers can read industry bulletins, discover disciplinary actions, and file complaints about a company.

auto insurance in Clyde

Shop smart and save

Drivers switch companies for many reasons like high rates after DUI convictions, questionable increases in premium, poor customer service and denial of a claim. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

Low-cost auto insurance is available online as well as from independent agents in Clyde, so compare prices from both to have the best rate selection. Some insurance companies don't offer online quoting and these regional insurance providers work with independent agents.

In this article, we presented a lot of techniques to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a company that doesn't do a lot of advertising.