Free Guide to Cutting Costs on Haw River Auto Insurance Online

Expensive auto insurance can overdraw your personal savings and force you to prioritize other expenses. Comparison shopping is a smart way to lower your monthly bill. Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

Haw River Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

The list below includes a few of the "ingredients" auto insurance companies consider when setting premiums.

Liability coverage protects you - The liability section of your policy is the protection if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
High deductibles save money - Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Rates may be higher depending on your occupation - Occupations such as lawyers, architects and financial analysts tend to have higher average rates due to high stress levels and long work days. Conversely, occupations such as pilots, engineers and the unemployed receive lower rates.
Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are worse drivers. Both sexes are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
Teen drivers pay high rates - Teenage drivers in North Carolina tend to get distracted easily when driving so they pay higher auto insurance rates. If you've ever had to add a youthful driver to your auto insurance policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
A clean driving record saves money - Only having one moving violation can boost insurance rates by as much as thirty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Which Auto Insurance is Cheapest in Haw River, North Carolina?

All major auto insurance companies like Allstate, GEICO and Progressive provide coverage prices on their websites. Getting online quotes is pretty painless as you just enter the coverages you want as detailed in the form. After the form is submitted, their system will obtain reports for credit and driving violations and generates pricing information based on these and other factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit multiple sites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better auto insurance pricing.

The preferred way to find lower prices requires only one form to get prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, it gets priced and you are able to buy any one of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. This makes sure you will receive a rate comparison for the exact same coverage.

These discounts can lower your rates

Companies do not list all available discounts very clearly, so we took the time to find some of the best known and also the lesser-known auto insurance savings. If you're not getting every credit you deserve, you are paying more than you should be.

More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
Own a Home - Owning a home in Haw River may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
Government Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.
Senior Discount - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
Student in College - Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
No Accidents - Drivers who don't have accidents can save substantially when compared with accident-prone drivers.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren't that generous.

To choose insurers with the best auto insurance discounts in North Carolina, follow this link.

Are you falling for claims of savings?

North Carolina drivers can't ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies say the same thing about savings if you move to their company.

How does each company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. For example, a profitable customer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards must pay higher premiums which usually ends up with business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that much. This is how companies can truthfully state the savings. This illustrates why you need to get a wide range of price quotes. It's not possible to predict which insurance companies will give you the biggest savings.

Even more information can be found at the North Carolina Department of Insurance website. North Carolina drivers can find out which companies have the most complaints, report car insurance fraud, read industry bulletins, and learn about insurance regulations.

And the best car insurance company is...

Cheap auto insurance is definitely available on the web and also from your neighborhood Haw River agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.