Comparison Shop Currituck Auto Insurance Prices With These Techniques

Finding the cheapest Currituck auto insurance over the internet can seem to be rather challenging for beginners to comparing rates online. Because there are so many insurers to choose from, how can you even start to compare every one to find the best price?

It's important to get comparison quotes on a regular basis since insurance rates are constantly changing. Even if you got the best rates six months ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Locating affordable protection in Currituck can be fairly easy. North Carolina drivers only need an understanding of the tricks to compare company rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don't necessarily list every available discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If they aren't giving you every credit you deserve, you are throwing money away.

  • Good Student Discount - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Accident Waiver - A few companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
  • Life Insurance - Larger companies have lower rates if you buy life insurance from them.
  • Military Discounts - Being on active duty in the military may qualify for rate reductions.
  • Seat Belts Save - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way.

North Carolina auto insurance

Is there truth in advertising?

North Carolina drivers get pounded daily by advertisements for car insurance savings from companies such as State Farm and Allstate. All the ads make an identical promise of big savings after switching your policy.

How do they all say the same thing?

Different companies have a preferred profile for the right customer that earns them a profit. A good example of a preferred risk might be profiled as over the age of 50, insures multiple vehicles, and has a high credit rating. A propective insured who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a more expensive rate and ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently state the savings. That is why you should get as many quotes as possible. It's not possible to predict which insurance companies will have the lowest rates.

More tips and info about auto insurance can be read at the North Carolina Department of Insurance website. North Carolina drivers can file complaints about a company, get help finding coverage, and file complaints about an insurance agent or broker.

And the best car insurance company is...

Throughout this article, we presented many tips how you can reduce auto insurance prices online. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

Cost effective auto insurance can be purchased on the web in addition to many Currituck insurance agents, and you should be comparing both to have the best rate selection. Some 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.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage and discovered at claim time that they should have had better coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.