Tightwads Instructions on Saving on Etowah Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not alone.

Lots of contend for your insurance dollar, so it can be very hard to choose a to get the lowest rate

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Equipment add-ons that lower auto insurance rates - Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Safer cars are cheaper to insure - Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts and lower rates for you.
Rates may be higher depending on your occupation - Careers like real estate brokers, executives and accountants are shown to have higher rates than average due to high stress levels and long work days. On the flip side, occupations like actors, athletes and the unemployed pay the least.
Keep rates low by being claim-free - Companies in North Carolina give better rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Adjust deductibles and save - Physical damage deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and rolling your vehicle. The more expense the insured has to pay upfront, the less your auto insurance will be.
Please use or commuting - The more you drive in a year the higher your rate. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your auto insurance policy is showing the correct driver usage.
Liability coverage protects you - The liability section of your policy provides coverage when a jury decides you are liable for damages caused by your negligence. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

Comprehensive Etowah Auto Insurance Comparison Quotes

Shopping for lower auto insurance rates can be challenging if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Etowah, or you could use the internet to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company provides a quote based on that data. This system prevents you from having to do quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which providers to get quotes from. So if you want to select from a list of companies to request quotes from, we put together a list of companies who write auto insurance in North Carolina. View list of North Carolina insurance companies.

It doesn't matter which method you choose, just compare the exact same coverages with every price quote. If you have different limits and deductibles on each one you can't possibly find the best deal in Etowah. Having just a slight variation in coverages may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding lower pricing.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every discount in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known ways to save on auto insurance.

Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Military Discounts - Having a family member in the military can result in better rates.
No Claims - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
Low Mileage Discounts - Keeping the miles down could qualify for better rates on cars that stay parked.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren't that generous.

To choose insurance companies with the best auto insurance discounts in Etowah, click this link.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all make the same claim about savings if you move your policy. How do they all say the same thing? It's all in the numbers.

Insurance companies are able to cherry pick for the right customer that makes them money. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and has excellent credit. A propective insured who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted a more expensive rate which leads to business not being written. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully make those claims. This emphasizes why you need to get as many quotes as possible. It's not possible to predict which auto insurance company will have the lowest rates.

Even more information can be read at the North Carolina Department of Insurance website. North Carolina drivers can view a list of available companies, find disaster information, read industry bulletins, and download brochures.

Do the work, save more money

Cheap auto insurance is definitely available on the web in addition to many Etowah insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide online price quotes and these small insurance companies work with independent agents.

While you're price shopping online, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.