Top Ways to Save on Fairmont Auto Insurance

I can't think of a single person who enjoys paying for auto insurance, in particular when the price is too high.

Since consumers have many different company options, it's difficult to choose the cheapest provider.

It's important to compare prices periodically because insurance rates are constantly changing. Despite the fact that you may have had the best deal a year ago there may be better deals available now. So just forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to find lower rates on auto insurance.

Finding affordable coverage in Fairmont is quite easy. In a nutshell, everyone who has to buy auto insurance will be able to save money. Nevertheless, North Carolina drivers do need to know how big insurance companies compete online and take advantage of how the system works.

Fairmont auto insurance comparison

Policy discounts you shouldn't miss

Companies that sell car insurance don't list all their discounts very well, so here is a list both well-publicized and the more hidden auto insurance savings.

  • Discount for New Cars - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Air Bag Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Homeowners Savings - Owning a house in Fairmont may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • No Accidents - Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Accident Forgiveness - Some insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

It's important to understand that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

For a list of companies who offer auto insurance discounts in North Carolina, follow this link.

Fairmont Auto Insurance Comparisons

The are a couple different ways of comparing rate quotes from different Fairmont insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

One of the best ways to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form submissions for every auto insurance company. Just one form will get you rate comparisons from multiple companies.

A less efficient way to shop for auto insurance online requires you to visit each company's website and fill out their own quote form. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Fairmont, click here.

The least efficient method to get comparison rates is to spend time driving to local Fairmont insurance agencies. Buying insurance online makes this process obsolete unless you prefer the professional guidance of a local Fairmont agent. You can, however, compare online quotes but buy from a local insurance agent.

Which method you use is up to you, but be sure to compare apples-to-apples coverage information for each comparison quote. If you are comparing unequal deductibles or liability limits it will be next to impossible to determine the lowest rate in Fairmont. Just a small difference in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in North Carolina?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Shop smart and save

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate.

In this article, we presented a lot of information how to get a better price on auto insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best prices are with a company that doesn't do a lot of advertising. These companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost auto insurance can be bought online and also from your neighborhood Fairmont agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide online quoting and most of the time these smaller companies sell through independent agents.