Free Guide to Cutting Costs on Jackson Auto Insurance Online

Paying for high-priced auto insurance can empty your personal savings and make it hard to pay other bills. Comparison shopping is a great way to lower your monthly bill.

Because you have many options when it comes to auto insurance, it can be challenging to pick the best insurance company.

It's important to compare prices quite often since insurance rates are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance online but we're going to give you some great ways to save money.

Are you getting all your discounts?

Car insurance can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings.

Good Student Discount - A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
Resident Student - Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
Multi-policy Discount - When you combine your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.
Claim Free - Drivers who don't have accidents pay less compared to bad drivers.
Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of providers offering auto insurance discounts in North Carolina, click here.

Free Jackson Auto Insurance Quotes

Most companies provide price estimates on their websites. Getting online quotes is quite simple as you simply enter your coverage information as detailed in the form. Once you submit the form, their system will obtain your driving and credit reports and quotes a price based on these and other factors. This streamlines rate comparisons, but having 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 the best price on auto insurance.

The preferred way to locate the lowest prices requires only one form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes quoting online a lot less work. After sending your information, it gets priced and you can choose any or none of the price quotes you receive.

If you find a better price it's easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you input the coverages as close as possible to your current policy. This makes sure you will receive a rate comparison based on the exact same insurance coverage.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are some of the items used by your company to calculate your rates.

A clean driving record saves money - Even a single ticket can bump up the cost twenty percent or more. Drivers who don't get tickets get better rates than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to continue driving.
Mature drivers pay less - Teenage drivers in North Carolina are statistically proven to be less responsible when driving so auto insurance rates are higher. If you've ever had to add a teenage driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
Do you know you're credit rating? - Your credit score is a big factor in determining what you pay for auto insurance. If your credit is lower than you'd like, you could pay less to insure your by improving your rating. People with good credit tend to be more responsible than drivers who have poor credit.
Bundling policies can get discounts - Most insurance companies give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to verify if the discount is saving money.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, social workers and stock brokers have the highest rates due to high stress levels and long work days. On the other hand, occupations such as pilots, students and homemakers get better rates.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. For instance, these questions may help you determine whether you might need an agent's assistance.

Do I need to file an SR-22 for a DUI in North Carolina?
What are North Carolina no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?
Does my policy cover me when driving someone else's vehicle?

If you can't answer these questions then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads have a common claim about savings if you switch your coverage to them. But how can every company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 30 and 50, insures multiple vehicles, and has great credit. A propective insured that hits that "sweet spot" gets the lowest rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged a more expensive rate and this can result in business not being written. The ads say "customers who switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the savings.

That is why drivers must compare many company's rates. It's not possible to predict which insurance companies will give you the biggest savings.

Final considerations

Throughout this article, we presented a lot of ways to compare auto insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as .

As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

More sites with auto insurance information

Additional information can be read on the website for the North Carolina Department of Insurance found here. North Carolina drivers can file complaints about a company, read enforcement actions against agents and companies, find out industry alerts, and read consumer alerts.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Jackson North Carolina.