Find Cheap Elizabeth City Auto Insurance

Finding the best price on Elizabeth City auto insurance can be complicated if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple.

Locating the cheapest auto insurance in Elizabeth City can be fairly easy. If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices while maximizing coverage. North Carolina vehicle owners just need to know the proper methods to get comparison rates on the web.

You have some control over your rates

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Knowing what controls the rates you pay enables informed choices that could result in lower auto insurance prices.

What are your deductibles? - Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the lower your rates will be.
A clean driving record saves money - Only having one ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
The more you drive the more you pay - The higher the mileage driven each year the more you'll pay to insure your vehicle. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.
Your location is important - Living in a rural area is a positive aspect when buying auto insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents and a lower car theft rate.

Vehicle Insurance Comparison

Reducing your insurance rates can be relatively painless. You just have to invest a few minutes getting comparison quotes online with multiple companies. This can be done using a couple different methods.

The fastest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do boring form submissions for every auto insurance company. Just one form gets you price quotes from all major companies. It's definitely the quickest method.
A harder way to get quotes online requires a trip to each individual company website to request a price quote. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in Elizabeth City, click here.

It's up to you how you get prices quotes, just be sure to compare identical quote information for each price quote. If you are comparing mixed coverages it will be impossible to truly determine the lowest rate in Elizabeth City.

Save big with these discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. A few discounts will automatically apply when you get a quote, but some may not be applied and must be requested specifically before you will receive the discount. If you're not getting every credit you qualify for, you are paying more than you should be.

Homeowners Savings - Owning a home in Elizabeth City may earn you a small savings because maintaining a house demonstrates responsibility.
Good Student - This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
Multiple Cars - Insuring all your vehicles with the same company could earn a price break for each car.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Federal Employees - Employees or retirees of the government can save as much as 8% depending on your company.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Auto/Home Discount - If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Organization Discounts - Affiliation with a qualifying organization could trigger savings when buying auto insurance.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, companies don't profit that way. But all discounts will bring down your overall premium however.

To choose insurers with discount auto insurance rates in North Carolina, click this link.

Auto insurance ads bend the truth

North Carolina drivers can't ignore all the ads for cheaper car insurance by Allstate, GEICO and Progressive. All the companies make the same claim that you'll save big if you change to their company.

How does each company say the same thing?

All companies have a certain "appetite" for the driver that makes them money. A good example of a profitable customer might be profiled as between 30 and 50, a clean driving record, and has a high credit rating. A propective insured who matches those parameters gets the lowest rates and most likely will save when switching.

Drivers who fall outside these standards must pay higher premiums which leads to business not being written. Company advertisements say "people who switch" not "people who quote" save that much. That is how companies can state the savings.

This illustrates why you need to get as many comparisons as possible. It's not possible to predict which company will have the lowest rates.

But I don't know anything about car insurance

When buying coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different.

These are some specific questions may help highlight if your situation might need professional guidance.

When do I need to add a new car to my policy?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
Can I still get insurance after a DUI?
Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Much more information about auto insurance in North Carolina can be read on the North Carolina Department of Insurance website through this link. North Carolina drivers can report car insurance fraud, file complaints about a company, and file complaints about an insurance agent or broker.

Other informative sites include this page for North Carolina auto insurance and this page for help finding agents in Elizabeth City, NC.

And the best car insurance company is...

Discount auto insurance can be sourced on the web and also from your neighborhood Elizabeth City agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the best prices are with an unexpected company.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. In too many instances, someone dropped collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.