10 Discounts Faison Shoppers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are many Faison consumers feeling the pinch from expensive car insurance.

Drivers have multiple to buy insurance from, and although it's nice to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices every six months since rates are constantly changing. If you had the best rates two years ago a different company probably has better rates today. There is too much inaccurate information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

This article will help educate you on the most effective way to quote insurance and some tips to save money. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. But North Carolina consumers do need to know how companies determine prices.

These ten discounts can lower your rates

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Some trigger automatically when you quote, but some may not be applied and must be specially asked for before you get the savings.

  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break on car insurance.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • College Student - Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Homeowners Discount - Owning a house in Faison may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • No Accidents - Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

North Carolina car insurance quotes

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to say the same thing that you'll save big if you move to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be between 25 and 40, has no driving citations, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay a higher premium which usually ends up with the customer not buying. The ads state "people who switch" not "everybody who quotes" save that much. That's the way companies can state the savings.

Because of the profiling, drivers should quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Much more information about car insurance in North Carolina can be read on the website for the North Carolina Department of Insurance through this link. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, view a list of available companies, and read enforcement actions against agents and companies.

Affordable insurance is out there

When buying insurance coverage, it's very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Budget-conscious car insurance is possible both online and also from your neighborhood Faison agents, so you should compare both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.