7 Guaranteed Ways to Lower Car Insurance Costs in Knightdale, NC

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat.

There are many to buy insurance from, and although it's a good thing to have multiple companies, it makes it harder to compare rates.

It's important to check car insurance prices every six months since rates are constantly changing. Just because you found the lowest price a few years ago you will most likely find a better rate today. There is too much inaccurate information about car insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

These seven discounts can lower your rates

The price of auto insurance can be rather high, but there are discounts available that you may not know about. A few discounts will automatically apply when you purchase, but a few must be manually applied before being credited.

  • Life Insurance - Some companies give a discount if you purchase life insurance.
  • Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates on car insurance.
  • Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • College Student - Kids in college who are attending college and don't have a car can be insured at a reduced rate.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.

Keep in mind that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the cost of coverage.

North Carolina car insurance quotes

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to make an identical promise that you can save if you change to them. How does each company make the same claim?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For instance, a desirable insured could be between 30 and 50, has no driving citations, and has a short commute. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher prices and ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save money. That's the way insurance companies can make the claims of big savings.

Because of the profiling, you should get as many quotes as possible. It's just too difficult to predict which car insurance company will fit your personal profile best.

Learn more about North Carolina car insurance

More information is located on the website for the North Carolina Department of Insurance located here. Consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, report car insurance fraud, and read enforcement actions against agents and companies.

Do the work, save more money

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Affordable car insurance can be sourced from both online companies and with local Knightdale insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

You just learned many tips how you can reduce car insurance prices online. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small local company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as .