How to Find Low-Cost Kitty Hawk Auto Insurance

Finding lower premiums on Kitty Hawk auto insurance is challenging for beginners to shopping for insurance online. People have so many choices that it can be a big hassle to find the best price in Kitty Hawk.

Buying car insurance in Kitty Hawk is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Nevertheless, North Carolina vehicle owners do need to know the way companies sell online.

Take advantage of discounts

Car insurance companies do not advertise all available discounts very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

Fewer Miles Equal More Savings - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
One Accident Forgiven - Some insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Auto/Home Discount - When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
Claim Free - Claim-free drivers pay less when compared with bad drivers.
Memberships - Affiliation with a professional or civic organization is a good way to get lower rates when buying auto insurance.
Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.

It's important to understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way.

To see a list of insurers who offer auto insurance discounts in North Carolina, click here to view.

Fast and Easy Kitty Hawk Auto Insurance Quotes

There are several ways to compare rate quotes and find the best price. The best method to find the lowest rates consists of obtaining rate quotes online. This can be done in several different ways.

The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for boring form submissions for each company. Taking the time to complete one form gets you price quotes from all major companies. This is by far the quickest method.
A harder way to compare rate quotes requires visiting the website for every company you want to comare and fill out their own quote form. For instance, let's say you want rates from , and . You would have to go to every website and enter your policy data, which is why the first method is more popular.

To view a list of companies in Kitty Hawk, click here.

It's up to you which method you use, but double check that you are using apples-to-apples quote information for every quote you compare. If you are comparing mixed coverages it will be impossible to determine the best price in Kitty Hawk. Quoting even small variations in coverage limits can result in a big premium difference. It's important to know that comparing a large number of companies provides better odds of finding the best offered rates.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that help determine auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

The following are some of the items used by your company to calculate premiums.

Better crash test results mean better rates - Safer cars can get you lower premiums. Safe vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
Your car's features help determine rates - Driving a car with an alarm system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
Women pay lower rates - The statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Do you qualify for a multi-policy discount? - Many insurers will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to verify if the discount is saving money. You may still find better rates by buying auto insurance from a different company.
Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as real estate brokers, business owners and stock brokers have the highest rates because of job stress and long work hours. On the other hand, professions such as farmers, students and performers get better rates.
Protect yourself with liability coverage - Liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Low deductibles can be expensive - Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more expense you have to pay, the less your company will charge you for insurance.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make an identical promise of big savings after switching your coverage to them. But how can every company say the same thing?

Different companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile must pay higher prices and ends up with business not being written. Company advertisements say "customers that switch" not "people who quote" save that much money. That's why insurance companies can confidently state the savings. This illustrates why drivers must compare as many rates as you can. It's not possible to predict the company that will have the lowest rates.

The best insurance company isn't always the cheapest

Low-cost auto insurance can be sourced on the web as well as from independent agents in Kitty Hawk, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don't offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

People change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, denial of a claim or policy non-renewal. No matter why you want to switch, choosing a new insurance company is actually quite simple.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

More tips and info about auto insurance can be read at the North Carolina Department of Insurance website. North Carolina drivers can find disaster information, view a list of available companies, and learn about insurance regulations.

Additional helpful sites include this page for auto insurance prices in North Carolina and this page of Kitty Hawk insurance agents.