Easy Tips to Cut Costs on Laurel Hill Car Insurance

If you are a novice to online car insurance shopping, it's easy to get overwhelmed by the vast number of car insurance companies all offering big savings in Laurel Hill.

It's important to take a look at other company's rates occasionally due to the fact that insurance rates are constantly changing. Even if you got the lowest price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the only way to find better coverage at a better price.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. Nevertheless, North Carolina consumers do need to know the way companies price online insurance because it can help you find the best coverage.

Don't pay full price with these discounts

The price of auto insurance can be rather high, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you quote, but less common discounts must be asked for before you get the savings.

  • Bundle and Save - If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Multi-car Discount - Having more than one vehicle on one policy could earn a price break for each car.
  • College Student - Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Senior Citizens - If you qualify as a senior citizen, you may qualify for better car insurance rates.
  • Defensive Driver - Taking part in a defensive driving course can save you 5% or more if you qualify.

It's important to understand that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will cut your premiums.

North Carolina car insurance quotes

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your vehicles, there is no perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Laurel Hill?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise of big savings if you switch to their company. How do they all claim to save you money?

All the different companies have a certain "appetite" for the driver that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, owns a home, and drives newer vehicles. Any driver who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will have to pay a higher premium and ends up with the customer not buying. The ads say "people who switch" not "everyone that quotes" save that much. That is how insurance companies can confidently claim big savings.

Because of the profiling, you should quote coverage with many companies. You cannot predict which company will give you the biggest savings.

For more North Carolina car insurance information

Additional car insurance information is located on the North Carolina Department of Insurance website through this link. Visitors are able to view agent and company licensing information, find out industry alerts, and read consumer alerts.

Laurel Hill car insurance quote

Do the work, save more money

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Low-cost car insurance can be found both online and also from your neighborhood Laurel Hill agents, and you should compare price quotes from both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just presented some good ideas how you can reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from an unexpected company.