Find Low-Cost Havelock Car Insurance

If online car insurance comparisons are new to you, you can be overwhelmed by the vast number of car insurance companies all offering big savings in Havelock.

It's important to compare prices occasionally due to the fact that insurance rates are constantly changing. Even if you got the best rates a couple years back a different company probably has better rates today. There is a lot of wrong information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

Policy discounts you shouldn't miss

Car insurance companies do not list all their discounts very well, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with one company you may earn up to 20% off your total premium.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Accident Forgiveness - Some insurance companies permit an accident before your rates go up as long as you don't have any claims prior to the accident.
Early Switch Discount - A few companies offer discounts for buying a policy prior to your current policy expiring. It's a savings of about 10%.
No Accidents - Good drivers with no accidents pay less as compared to drivers who are more careless.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it's possible to get free car insurance, car insurance companies aren't that generous.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower car insurance prices.

Big city or small town - Living in a rural area can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and a lower car theft rate.
Poor credit can mean higher rates - Credit history is a large factor in determining your rates. If your credit score is not that good, you could potentially save money when insuring your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Bad driving skills means higher rates - Careful drivers receive lower rates compared to drivers with tickets. Even one moving violation can boost insurance rates twenty percent or more. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Do men or women drive better? - Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men have accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions might point out whether your personal situation will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in North Carolina?
Why does it cost so much to insure a teen driver in Havelock?
Does my policy cover me when driving someone else's vehicle?
Does my car insurance cover rental cars?

If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

Save $429 a year? Really?

Consumers in North Carolina get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise about savings after switching to their company.

But how can every company claim to save you money?

All companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums and ends up with the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do. Because of the profiling, drivers should get as many comparisons as possible. You cannot predict which company will provide you with the cheapest rates.

Even more information can be read at the North Carolina Department of Insurance website. Visitors are able to view agent and company licensing information, find out industry alerts, and file complaints about a company.

Also read more on Wikipedia and this Havelock agent directory.

In the end, you save

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. In many instances, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

We just presented many tips how you can reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced car insurance comes from a company that doesn't do a lot of advertising.

Cheap car insurance can be purchased both online and also from your neighborhood Havelock agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car 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.