Elkin Auto Insurance For Less Than You're Paying Now

Finding the lowest price for Elkin auto insurance may seem to be difficult if you're new to online quotes. But don't be discouraged because there is an easy way to compare rates.

It's important to compare prices occasionally since insurance rates are constantly changing. Even if you got the best deal a couple years back the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

If you have car insurance now, you should be able to save some money using these methods. Buying affordable protection in Elkin is simple if you know the tricks. Nevertheless, North Carolina vehicle owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Save big with these discounts

Companies don't always advertise all their discounts in a way that's easy to find, so here is a list some of the best known and the harder-to-find ways to save on auto insurance.

Bundle and Save - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
New Vehicle Savings - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
Drivers Ed for Students - Have your child complete a driver education course if it's offered in school.
No Accidents - Good drivers with no accidents can earn big discounts as compared to bad drivers.
Homeowners Savings - Owning a house in Elkin may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
Payment Method - If paying your policy premium upfront instead of paying each month you may reduce your total bill.

It's important to understand that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way.

To see a list of companies who offer auto insurance discounts in Elkin, click this link.

Automobile Insurance Quotes in Elkin, NC

There are several ways to compare rate quotes from different Elkin insurance companies. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form eliminates the need for a different quote for every auto insurance company. A single form gets rate comparisons . It's the fastest way to compare.
A harder way to get quotes online is spending the time to visit the website for each individual company and fill out their own quote form. For sake of this example, we'll assume you want to compare , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Elkin, click here.
The hardest method to get comparison rates is driving to and from local Elkin insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local Elkin agent. Drivers can obtain prices from the web and still use a local agent and we'll touch on that later.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same information for every quote you compare. If each company quotes higher or lower deductibles you will not be able to determine the best price in Elkin. Having just a slight variation in coverage limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best price.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with lower auto insurance prices.

More people means more accidents - Living in a rural area can be a good thing when buying auto insurance. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances means more change of being in an accident.
Poor credit can mean higher rates - Credit history is a huge factor in determining your rates. So if your credit is not that good, you could pay less to insure your by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
Drive less and save money - Driving more miles each year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
Too many auto insurance claims drive up costs - Car insurance companies in North Carolina give cheaper rates to policyholders who are claim-free. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.

But I don't know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured's situation is different.

These are some specific questions might point out if your situation would benefit from professional advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?
Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the same claim of big savings after switching to their company. How can each company say the same thing? This is how they do it.

All companies have a certain "appetite" for the driver that is profitable for them. An example of a desirable insured might be profiled as a mature driver, owns a home, and drives less than 10,000 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay higher prices which leads to business not being written. The ad wording is "drivers who switch" not "people who quote" save that much. That is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers must compare many company's rates. It's not possible to predict which company will provide you with the cheapest rates.

Affordable insurance is out there

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. In many instances, an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price.

Insureds change insurance companies for any number of reasons including policy non-renewal, policy cancellation, delays in paying claims or extreme rates for teen drivers. Whatever your reason, switching auto insurance companies is actually quite simple.

Low-cost auto insurance can be purchased on the web and also from your neighborhood Elkin agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More tips and info about auto insurance is available at the North Carolina Department of Insurance website. North Carolina drivers can view agent and company licensing information, find out industry alerts, and file complaints about an insurance agent or broker.