Easy Ways to Spend Less on Kernersville Auto Insurance

Finding lower rates for Kernersville auto insurance is hard for beginners to shopping for insurance online. Drivers have so many options that it can be a big hassle to find lower rates in Kernersville.

Choosing the best insurance company for you in Kernersville is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. North Carolina vehicle owners just need to know the proper way to find the lowest price on the web.

Don't pay full price with these discounts

Auto insurance companies don't necessarily list all available discounts very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you're not getting every credit available, you're paying more than you need to.

Fewer Miles Equal More Savings - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Multiple Cars - Having all your vehicles on the same auto insurance policy can get a discount on all vehicles.
Student in College - Children living away from home attending college and don't have a car may be able to be covered for less.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums so long as you haven't had any claims for a set time period.
Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
Memberships - Being a member of a qualifying organization could qualify you for a break when buying auto insurance.
Accident Free - Claim-free drivers pay less when compared with bad drivers.

Drivers should understand that most credits do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of insurers with discount auto insurance rates in North Carolina, follow this link.

Fast and Easy Kernersville Auto Insurance Quotes

There are multiple methods you can shop for auto insurance and some are more efficient than others. You can waste a lot of time talking about coverages with insurance companies in Kernersville, or you could use the web to quickly compare rates.

Many insurance companies participate in an industry program that enables customers to submit one quote, and at least one company provides a quote for coverage. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which carriers to get pricing from. So if you want to select from a list of companies to compare rates, we have a page of companies who write auto insurance in North Carolina. Click here to view list.

Which method you use is up to you, but double check that you are using identical quote information for each comparison quote. If you use mixed coverages you can't possibly determine the lowest rate in Kernersville.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are some of the items companies use to determine premiums.

Safer cars cost less to insure - Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
Optional equipment can affect rates - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Low deductibles can be expensive - Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more expense you're willing to pay, the less your company will charge you for insurance.
Mature drivers pay less - Youthful drivers in North Carolina have a tendency to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Both sexes cause accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.
Cautious drivers pay less - Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates than their less careful counterparts. Just one ticket can increase rates by twenty percent. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
Your location affects your rates - Being located in small towns and rural areas is a positive aspect when talking about auto insurance. City drivers have more traffic problems and a longer drive to work. Fewer people means fewer accidents and a lower car theft rate.

The auto insurance bait and switch

Consumers in North Carolina can't get away from ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. All the companies say the same thing that you'll save big if you change to them.

How does each company claim to save you money? It's all in the numbers.

Insurance companies can use profiling for the type of driver that is profitable for them. A good example of a profitable customer might be between 25 and 40, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when switching.

Consumers who don't measure up to these standards must pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save money. That's why companies can claim big savings. This illustrates why drivers must quote coverage with many companies. It's impossible to know the company that will give you the biggest savings.

And the best car insurance company is...

Budget-conscious auto insurance can be sourced both online and with local Kernersville insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, lack of trust in their agent or not issuing a premium refund. Regardless of your reason, finding a new auto insurance company is actually quite simple.

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.

More North Carolina auto insurance information

More detailed North Carolina auto insurance information can be read at the North Carolina Department of Insurance website. Visitors are able to find disaster information, view a list of available companies, and report car insurance fraud.