Tightwads Guide to Saving on Goldsboro Car Insurance

Are you tired of paying out the nose each month for car insurance? You're in the same situation as many other drivers in North Carolina. Because you have many insurance companies to choose from, it's nearly impossible to pick the most cost effective car insurance company.

It's important to compare rates once or twice a year because rates are constantly changing. Just because you found the best price on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to learn the quickest way to properly buy coverages while reducing your premium.

Pricing affordable car insurance in Goldsboro is quite easy. If you have a policy now or need new coverage, you can follow these tips to find better prices and still get good coverage. North Carolina vehicle owners just need to know the tricks to compare prices on the web.

North Carolina car insurance

How to Compare Car Insurance Costs in Goldsboro

Performing a rate comparison can take hours if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to local insurance agents in Goldsboro, or you could use online quoting for quick rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and each participating company can provide price quotes based on that data. This eliminates the need for quote forms for each company you want a rate for.

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

The one downside to comparing rates this way is you don't know exactly the providers you will receive quotes from. So if you want to select specific providers to receive pricing from, we have a page of companies who write car insurance in North Carolina. Click here to view list.

Which method you use is up to you, but double check that you are using apples-to-apples quote information on every quote you get. If you have mixed coverages you can't possibly determine which rate is truly the best in Goldsboro.

How much can you save with discounts?

Car insurance can cost a lot, but there could be available discounts that you may not know about. Some discounts apply automatically when you quote, but a few need to be inquired about before you get the savings. If you don't get every credit available, you're paying more than you need to.

  • Passive Restraints - Vehicles with factory air bags can receive discounts of more than 20%.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Homeowners Pay Less - Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Discount for Swiching Early - Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Safety Course Discount - Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.

Drivers should understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

To see a list of providers with discount car insurance rates in North Carolina, follow this link.

Much more information about car insurance in North Carolina can be found on the website for the North Carolina Department of Insurance found here. Consumers can find out industry alerts, view a list of available companies, report car insurance fraud, and learn about specific coverages.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Goldsboro insurance agents.