7 Shopping Tips Guaranteed to Save on Car Insurance Costs in Harmony, NC

Tired of not being able to afford each month for car insurance? You are in the same boat as many other North Carolina drivers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it is difficult to sift through the bull and find the best price available.

compare Harmony car insurance rates

Cheap Harmony Car Insurance Comparisons

There are several ways you can shop for car insurance and some are less time-consuming than others. You can spend your afternoon talking about coverages with agents in Harmony, or you can stay home and use the web to get rates in a matter of minutes.

Most of the larger companies belong to a marketplace that allows shoppers to complete one form, and every company provides a quote based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for.

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

The one disadvantage to using this type of form is that you can't choose which providers to get quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in North Carolina. View list of North Carolina insurance companies.

It's up to you how you get prices quotes, just ensure you're using exactly the same coverages for every company. If you enter different limits and deductibles on each one you will not be able to decipher which rate is best in Harmony. Having just a slight variation in limits can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding lower pricing.

How much can you save with these seven discounts?

Auto insurance companies don't always advertise every discount in a way that's easy to find, so the following is a list of both the well known and the harder-to-find ways to save on car insurance.

  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Claim Free - Claim-free drivers pay less when compared to accident-prone drivers.
  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Auto/Life Discount - Some companies give better rates if you take out life insurance from them.
  • Organization Discounts - Being a member of a civic or occupational organization could trigger savings when shopping for car insurance.
  • Paperwork-free - Some insurance companies may give you up to $50 just for signing your application digitally online.

It's important to note that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, you're out of luck.

To choose insurance companies with the best car insurance discounts in Harmony, click this link.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all make the same claim that you can save if you move your coverage to them. How can each company claim to save you money? This is how they do it.

Different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer might be over the age of 40, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will be quoted more money which leads to the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can state the savings. This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

Additional detailed information can be read at the North Carolina Department of Insurance website. Visitors are able to download brochures, find a variety of consumer forms, read industry bulletins, and view a list of available companies.

Affordable insurance is out there

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Lower-priced car insurance is definitely available both online as well as from independent agents in Harmony, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don't offer online price quotes and these small insurance companies work with independent agents.