5 Top Methods to Cut Car Insurance Costs in Connellys Spgs

If you've never shopped for car insurance online, it's easy to be confused by the hoards of car insurance companies selling insurance in Connellys Spgs.

It's important to check car insurance prices occasionally since rates are constantly changing. Just because you found the lowest rates last year you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Finding affordable car insurance in Connellys Spgs is not that difficult. Nevertheless, North Carolina consumers do need to know how insurance companies sell online and use this information to your advantage.

North Carolina car insurance

Finding Car Insurance Deals in Connellys Spgs, NC

The are a couple different ways to get quotes from different Connellys Spgs insurance companies. The best method to compare insurance prices consists of obtaining rate quotes online. This can be done in a couple of different ways.

  • The recommended way to get quotes is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate forms for each company you want a rate for. A single form gets you price quotes from several companies. This is perfect if you don't have a lot of time.
  • A more time consuming way to shop for car insurance online requires a trip to each company website to complete a price quote. For instance, let's assume you want to compare , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Connellys Spgs, click here.
  • The most time-consuming method of getting rate comparisons is to drive around to insurance agents' offices. The internet has reduced the need for local agents unless you want the professional guidance that only a license agent can provide. It is possible to get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

However you get your quotes, make absolute certain that you use the exact same quote information for every company. If you use mixed coverages you can't possibly decipher which rate is best in Connellys Spgs. Slightly different coverage limits can make a big difference in price. And when quoting car insurance, remember that quoting more will enable you to find a better price.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise every available discount in an easy-to-find place, so we break down both the well known and also the lesser-known discounts you could be receiving.

  • Discount for Swiching Early - Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Memberships - Being a member of certain professional organizations may earn a discount on your policy.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.

It's important to understand that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way.

To see a list of providers with discount car insurance rates in Connellys Spgs, click here.

Insurance agents can help

When choosing adequate coverage for your vehicles, there is no "best" method to buy coverage. Your needs are not the same as everyone else's.

For example, these questions might point out whether your personal situation may require specific advice.

  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in North Carolina?
  • Does my policy cover me when driving someone else's vehicle?

If you can't answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

For more North Carolina car insurance information

More tips and info about car insurance can be found at the North Carolina Department of Insurance website. Visitors are able to file complaints about a company, read consumer alerts, and find out which companies have the most complaints.