Free Guide to Paying Less for Lumberton Auto Insurance Online

Sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other drivers in North Carolina.

Popular companies such as GEICO and Progressive constantly blast consumers with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons once or twice a year because prices are constantly changing. Just because you had the best rates a couple years back the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the web, but I'm going to show you some great ways to save money.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Finding affordable coverage in Lumberton is quite easy. Nevertheless, North Carolina consumers do need to know the methods companies use to sell insurance online.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list all their discounts in a way that's easy to find, so the following is a list of both the well known and the more hidden auto insurance savings.

  • Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Military Rewards - Having a deployed family member could mean lower rates.
  • Air Bag Discount - Factory air bags can qualify for discounts of up to 25% or more.
  • Accident Free - Claim-free drivers pay less as compared to bad drivers.
  • One Accident Forgiven - A handful of insurance companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Sign Online - Certain companies may give you up to $50 simply for signing digitally online.
  • Defensive Driver - Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.

Consumers should know that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like it's possible to get free car insurance, companies don't profit that way.

To see a list of companies offering auto insurance discounts in Lumberton, follow this link.

North Carolina auto insurance quotes

Fast and Easy Lumberton Auto Insurance Quotes

The are a couple different ways of comparing rates and find the best price. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The best way to get the best comparison quotes is a comparison rater form click to view form in new window. This method saves time by eliminating a different quote for every auto insurance company. Taking the time to complete one form will return quotes .
  • A slightly less efficient method to shop for auto insurance online is to take the time to go to the website for each individual company to complete a price quote. For instance, we'll pretend you want rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Lumberton, click here.

Whichever way you use, double check that you are using exactly the same coverages and limits for every company. If you are comparing different deductibles it will be impossible to decipher which rate is best in Lumberton. Just a small difference in coverage limits can mean a large discrepancy in price. It's important to know that more quotes will improve the odds of getting a lower rate.

Why some people pay less for insurance in Lumberton

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with lower auto insurance prices.

Listed below are some of the items companies use to determine rates.

  • The more you drive the more you pay - The more miles you rack up on your car every year the more you will pay for auto insurance. Most companies charge to insure your cars determined by how the vehicle is used. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance policy is rated on how each vehicle is driven.
  • Better crash test results mean better rates - Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Your credit rating is important - Credit score is a large factor in your rate calculation. If your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, architects and dentists tend to pay the highest average rates attributed to job stress and lengthy work days. Other occupations like farmers, historians and homemakers have the lowest average rates.
  • Are you male or female? - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. Women and men have accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • One company can mean more discounts - Most companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. You may still be able to find better rates by buying auto insurance from a different company.
  • Marriage pays dividends - Getting married can actually save you money when buying auto insurance. It is viewed as being more mature and responsible and it's statistically proven that drivers who are married are more cautious.

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing of big savings if you switch to them. How can each company claim to save you money?

All companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured might be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money which usually ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently advertise the way they do. Because of the profiling, drivers must get a wide range of price quotes. It's impossible to know the company that will provide you with the cheapest rates.

Do the work, save more money

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate.

We covered many ways to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

compare Lumberton auto insurance rates

More tips and info about auto insurance can be read at the North Carolina Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, find disaster information, find out industry alerts, and read industry bulletins.