Easy Methods to Pay Less on King Auto Insurance

If online auto insurance comparisons are new to you, it's easy to be confused because of the huge number of auto insurance companies offering coverage in King.

It's important to compare rates occasionally because prices are constantly changing. If you had the best rates on your last policy you can probably find a better price now. There is a lot of bad advice regarding auto insurance online, so we're going to give you some great ways to quit paying high auto insurance rates.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. Locating affordable auto insurance coverage in King can be fairly easy. Nevertheless, North Carolina consumers do need to know how insurance companies determine prices.

You have some control over your rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get lower auto insurance prices.

Cautious drivers pay less - Careful drivers have lower premiums than people who have multiple driving citations. Only having one citation can boost insurance rates twenty percent or more. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
More than one policy can earn a discount - The majority of auto insurance companies give discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to comparison shop to ensure the best deal.
An active claims history can cost you - If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies in North Carolina give cheaper rates to policyholders who are claim-free. Auto insurance is intended for larger claims.
Equipment add-ons that lower auto insurance rates - Owning a car with an alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.

Save big with these discounts

Companies offering auto insurance don't always list every available discount in a way that's easy to find, so the following is a list of both the well known as well as the least known ways to save on auto insurance.

Sign Early and Save - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class in high school.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
Accident Forgiveness - A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Auto/Life Discount - Larger companies have better rates if you take out a life insurance policy as well.
Homeowners Savings - Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.

It's important to understand that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like it's possible to get free car insurance, it doesn't quite work that way.

To choose providers with the best auto insurance discounts in King, click this link.

Auto insurance ads bend the truth

Companies like State Farm and Allstate regularly use ads on TV and radio. All the ads make the same claim of big savings if you move to their company. How can each company claim to save you money?

All companies have a certain "appetite" for the driver that makes them money. A good example of a preferred risk might be over the age of 50, owns a home, and has great credit. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be charged a more expensive rate which leads to the customer not buying. The ads state "customers that switch" not "people who quote" save that much. That is how insurance companies can confidently advertise the savings. That is why you should get as many quotes as possible. It's impossible to know which company will fit your personal profile best.

But I don't know anything about car insurance

When buying coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation may require specific advice.

Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

More tips and info about auto insurance can be read at the North Carolina Department of Insurance website. Visitors are able to file complaints about a company, read consumer alerts, and download brochures.

The best insurance company isn't always the cheapest

We covered many ideas to save on auto insurance. The key concept to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from the least-expected company.

When you buy insurance online, it's not a good idea to buy poor coverage just to save money. There have been many cases where an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Insureds who switch companies do it for a number of reasons such as high prices, policy non-renewal, extreme rates for teen drivers or even unfair underwriting practices. Whatever your reason, choosing a new insurance company is easier than you think.