Easy Ways to Pay Less on Laurinburg Auto Insurance

Saving money on Laurinburg auto insurance is nearly impossible for people who are new to comparing rates online. There are so many options available that it can quickly become a real challenge to locate the lowest price in Laurinburg.

Save big with these discounts

Insurance can cost an arm and a leg, but companies offer discounts that many people don't even know exist. Some trigger automatically at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Club Memberships - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% depending on your company.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Passive Restraints - Vehicles equipped with air bags can receive discounts of 20% or more.
  • Military Discounts - Being on active duty in the military could mean lower rates.
  • No Claims - Claim-free drivers can save substantially when compared with frequent claim filers.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

For a list of insurers offering auto insurance discounts in North Carolina, click here to view.

Compare Laurinburg Auto Insurance Costs

There are several ways of comparing rate quotes and find the best price. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

One of the best ways consumers can analyze rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating repetitive form entry for every auto insurance company. In just a few minutes this one form compares rates direct from many companies. Just one form and you're done.

A less efficient way to get quotes online is going to each individual company website to complete a price quote. For sake of this example, we'll pretend you want rates from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is quicker. To view a list of companies in Laurinburg, click here.

The least recommended way to compare rates is driving around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local agent. However, consumers can compare online quotes and still use a local agent.

It's up to you which method you use, but ensure you're using apples-to-apples coverage limits and deductibles with each company. If each company quotes different liability limits then you won't be able to make an equal comparison in Laurinburg. Quoting even small variations in coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best rates.

The best insurance company isn't always the cheapest

Cheaper auto insurance can be found online in addition to many Laurinburg insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

People switch companies for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, policy cancellation and poor customer service. Whatever your reason, finding a new auto insurance company is not as hard as you think.

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.