Getting Cheaper Huntersville Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are a lot of people in Huntersville just like you who feel imprisoned by their auto insurance policy. Lots of contend for your insurance dollar, so it can be very hard to choose a to find the lowest price

It's important to compare prices at least once a year because prices are constantly changing. Despite the fact that you may have had the best deal six months ago you can probably find a better price now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Buying car insurance in Huntersville is easy if you know what you're doing. North Carolina vehicle owners just need to know the most efficient way to get comparison quotes over the internet.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

The following are some of the factors used by your company to calculate rates.

  • Drive less and save money - Driving more miles in a year the more you will pay for auto insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because it can save money.
  • Don't get talked into coverage you don't need - There are a ton of extra coverages that you can buy on your auto insurance policy. Coverages like roadside assistance, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • With age comes lower rates - Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Liability coverage is peace of mind - Liability coverage provides coverage if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and windstorm damage. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the less your auto insurance will be.
  • Choose a safe vehicle and save - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and lower injury rates means lower claim amounts and lower rates for you.
  • More claims means more premium - Car insurance companies in North Carolina award better rates to people who do not file claims often. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.

North Carolina auto insurance quotes

Take advantage of discounts

Companies offering auto insurance don't necessarily list all their discounts in an easy-to-find place, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If they aren't giving you every credit possible, you are paying more than you should be.

  • Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Save over 55 - If you're over the age of 55, you may be able to get a small decrease in premiums.
  • Organization Discounts - Participating in certain professional organizations is a good way to get lower rates on auto insurance.
  • Multiple Vehicles - Insuring multiple vehicles with the same company qualifies for this discount.
  • Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
  • Federal Government Employee - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

To choose companies who offer auto insurance discounts in Huntersville, click here to view.

Are auto insurance companies telling the truth?

North Carolina consumers can't ignore all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise that you'll save big after switching your coverage to them.

How do they all make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "people who quote" save that much money. That's the way companies can state the savings. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Find out more about auto insurance

More detailed North Carolina auto insurance information is available at the North Carolina Department of Insurance website. North Carolina consumers can file complaints about an insurance agent or broker, discover disciplinary actions, read enforcement actions against agents and companies, and find out which companies have the most complaints.

auto insurance in Huntersville

Best coverage at the best price

As you restructure your insurance plan, never buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price.

Discount auto insurance can be bought online as well as from independent agents in Huntersville, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.