Quote Ellerbe Auto Insurance Prices With These Methods

Comparison shopping for Ellerbe auto insurance is nearly impossible for consumers not familiar with buying insurance online. Consumers have so many choices that it can turn into a lot of work to locate the lowest price in Ellerbe.

It's important to price shop coverage before your policy renews because insurance rates are constantly changing. Just because you found the lowest rates two years ago there is a good chance you can find better rates now. So forget all the misinformation about auto insurance because you're about to learn the tricks you need to know to lower your annual insurance bill.

Finding affordable coverage in Ellerbe is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. North Carolina drivers only need an understanding of the proper way to compare rates over the internet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower auto insurance prices.

The following are a few of the "ingredients" that factor into your rates.

Multi-policy discounts can save money - Many companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by buying auto insurance from a different company.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations like lawyers, architects and stock brokers are shown to have the highest rates because of job stress and lengthy work days. On the other hand, occupations like farmers, students and performers pay the least.
Women pay lower rates - The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
Traffic violations increase rates - Your driving record has a big impact on rates. Even a single moving violation may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Higher safety ratings means cheaper insurance - Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Equipment add-ons that lower auto insurance rates - Driving a car with an alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Teen drivers pay high rates - Teen drivers in North Carolina are known to be less responsible in a vehicle so auto insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
Bump up deductibles to save - Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.

Cheap Ellerbe Auto Insurance Comparisons

Reducing your insurance rates can be surprisingly simple. Consumers just need to spend a few minutes on the computer to compare rate quotes from different insurance companies. This can be accomplished in a couple of different ways.

The fastest way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This method eliminates the need for multiple quote forms for every auto insurance company. In just a few minutes this one form gets you price quotes from multiple low-cost companies. Just one form and you're done.
A less efficient way to shop for auto insurance online requires visiting the website for each individual company and request a quote. For examples sake, we'll pretend you want rates from , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Ellerbe, click here.
The least efficient way to get comparison rates is driving around to local Ellerbe insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a local Ellerbe agent. You can, however, find lower rates online but buy from a local insurance agent.

Which method you use is up to you, but ensure you're using apples-to-apples quote information with every price quote. If you use mixed coverages it's not possible to find the best deal in Ellerbe.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise every available discount very well, so we break down both well-publicized as well as the least known auto insurance savings. If you don't get every credit available, you are paying more than you should be.

Multi-policy Discount - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
No Claims - Claim-free drivers can save substantially compared to accident-prone drivers.
One Accident Forgiven - Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Passive Restraint Discount - Vehicles with factory air bags can receive discounts of up to 25% or more.
Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
Military Discounts - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

It's important to understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way.

To choose providers who offer auto insurance discounts in North Carolina, follow this link.

Save $429 a year? Really?

North Carolina consumers can't ignore all the ads for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads say the same thing of big savings after switching your policy.

But how can every company make almost identical claims?

All companies can use profiling for the right customer that makes them money. For example, a preferred risk could possibly be between 25 and 40, is a homeowner, and chooses high deductibles. A driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can confidently state the savings. That is why you need to get as many quotes as possible. It is impossible to predict the company that will give you the biggest savings.

More tips and info about auto insurance can be found at the North Carolina Department of Insurance website. North Carolina consumers can read consumer alerts, read industry bulletins, and learn about insurance regulations.

Other informative sites include Wikipedia and this Ellerbe agent directory.

Best coverage at the best price

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Consumers change insurance companies for a number of reasons such as policy non-renewal, high rates after DUI convictions, denial of a claim or even poor customer service. No matter why you want to switch, choosing a new insurance company is easier than you think.

Low-cost auto insurance can be sourced online in addition to many Ellerbe insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.