Car Insurance in Kill Devil Hills - 6 Ways to Save Money

If you're new to shopping for car insurance online, it's easy to get confused by the hoards of car insurance companies selling insurance in Kill Devil Hills.

It's important to do rate comparisons occasionally since rates are constantly changing. Even if you got the best deal last year there may be better deals available now. So forget anything you know (or think you know) about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

The purpose of this article is to introduce you to how car insurance quotes work and some tips to save money. If you currently have car insurance, you will be able to save some money using these methods. Nevertheless, North Carolina consumers do need to know the methods companies use to price insurance differently and take advantage of how the system works.

North Carolina car insurance

Save big with these six discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Most are applied at the time of quoting, but some must be asked for before you will receive the discount.

  • Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance from them.
  • Accident Forgiveness - Certain companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Multi-policy Discount - When you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.

Consumers should know that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. Just because you may think you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

For a list of providers who offer car insurance discounts in North Carolina, click here.

Automobile Insurance Quotes in Kill Devil Hills, NC

There are several ways to get quotes from different Kill Devil Hills insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate forms for each company. A single form gets rate comparisons from several companies. Recommended for those who want to invest the least amount of time.

A more time consuming way to get quotes online is spending the time to visit each company website to complete a price quote. For instance, let's say you want to compare , and . You would have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in Kill Devil Hills, click here.

The most time-consuming method to get comparison rates to insurance agents' offices. The internet makes this process obsolete unless you want the professional guidance of a licensed agent. It is possible to compare online quotes and still use a local agent and we'll cover that in a bit.

However you get your quotes, make absolute certain that you use identical information with each company. If you are comparing higher or lower deductibles then you won't be able to make an equal comparison in Kill Devil Hills. Slightly different coverage limits can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps locate the best price.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every situation is different.

These are some specific questions might point out if your situation could use an agent's help.

  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in North Carolina?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Shop smart and save

We just covered a lot of techniques to get a better price on car insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with some of the smallest insurance companies.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Cost effective car insurance can be purchased both online and with local Kill Devil Hills insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and many times these smaller companies only sell through independent insurance agents.