Proven Techniques to Save on Kinston Car Insurance

Expensive car insurance can empty your savings account and make it impossible to make ends meet. Comparison shopping is a great way to cut your insurance bill.

Multiple compete for your hard-earned dollar, and because of this it can be hard to compare and get the definite lowest price

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Distant Student - Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
Own a Home - Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
Early Switch Discount - Some companies give discounts for switching to them before your current expiration date. It's a savings of about 10%.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, car insurance companies aren't that generous.

To see a list of insurance companies who offer car insurance discounts in Kinston, click here.

Free Kinston Car Insurance Quotes

There are several ways to compare car insurance quotes, and some are easier and takes less work. You can waste a lot of time driving to insurance companies in Kinston, or you could use online quotes to accomplish the same thing much quicker.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company returns a competitive quote. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

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

The only downside to pricing coverage this way is you can't choose which carriers to get quotes from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write car insurance in North Carolina. Click to view list.

However you get your quotes, make darn sure you compare the exact same information with every price quote. If you are comparing higher or lower deductibles you can't possibly find the best deal in Kinston. Slightly different coverages can mean a large discrepancy in price. And when comparison shopping, more quotes will enable you to find the best price.

Why some people pay less for insurance in Kinston

An important part of buying insurance is that you know the factors that help determine your car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the factors companies use to determine prices.

Do you have a high stress job? - Did you know your job can affect your rates? Careers like doctors, social workers and accountants tend to pay higher rates than average due to high stress levels and long work days. On the flip side, occupations like pilots, athletes and performers have the lowest average rates.
Mature drivers pay less - More mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers. Young drivers are known to be more careless when driving therefore car insurance rates are much higher.
Please use or commuting - Driving more miles in a year's time the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your car insurance coverage is showing the proper vehicle usage, because it can save money.
Increase deductibles and save - The deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, damage caused by hail, and windstorm damage. The more money you're willing to pay, the bigger discount you will receive.
How's your driving record? - Good drivers get better rates compared to drivers with tickets. Even a single moving violation can increase rates by as much as thirty percent. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions may help you determine whether or not you might need an agent's assistance.

Why am I required to get a high-risk car insurance policy?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?

If you can't answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim about savings after switching to them. How do they all make the same claim? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. An example of a driver they prefer could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer that hits that "sweet spot" gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted a more expensive rate and this can result in business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the way they do. This emphasizes why drivers must get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for car insurance, never reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

Cheap car insurance can be purchased from both online companies and with local Kinston insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

More sites with car insurance information

Even more information is available at the North Carolina Department of Insurance website. Consumers can read industry bulletins, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and report car insurance fraud.