How to Know You're Spending Too Much for Car Insurance in Kenly

Expensive car insurance can dwindle your bank account and force you to prioritize other expenses. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it can be hard to sift through the bull and do the work needed to find the best deal.

Low Cost Kenly Car Insurance

Cutting your Kenly car insurance rates can be surprisingly simple. Just spend a little time comparing rates online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The recommended way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating a different quote for each company you want a rate for. One form gets you coverage quotes .
  • Another way to compare rate quotes consists of going to each individual company website to complete a price quote. For sake of this example, let's say you want comparison quotes from , and . To get each rate you have to spend time on each company's site to enter your coverage information, and that's why the first method is more popular.

    To view a list of companies in Kenly, click here.

Whichever method you choose, make darn sure you compare exactly the same coverages for every company. If you enter different limits and deductibles on each one it will be very difficult to decipher which rate is best in Kenly.

Take advantage of discounts

Car insurance companies don't necessarily list all available discounts in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • More Vehicles More Savings - Insuring multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • 55 and Retired - Mature drivers can possibly qualify for a discount up to 10%.
  • No Claims - Drivers who don't have accidents can save substantially when compared with bad drivers.
  • Military Discounts - Being deployed with a military unit can result in better rates.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.

It's important to note that some credits don't apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you're out of luck.

To see a list of insurers with the best car insurance discounts in Kenly, click here.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone's situation is unique and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are my tools covered if they get stolen from my vehicle?

If you can't answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

More sites with car insurance information

Additional detailed information can be found at the North Carolina Department of Insurance website. Consumers can report car insurance fraud, learn about insurance regulations, read industry bulletins, and find disaster information.