Car Insurance in Marion - 5 Discounts You Might be Unaware of

People who are new to buying insurance online will find buying affordable Marion car insurance very challenging.

It's important to check car insurance prices occasionally since rates are constantly changing. Even if you got the lowest price a couple years back you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you're about to learn the only way to reduce your cost while improving coverage.

Marion car insurance comparison

Don't pay full price with these 5 discounts

Companies that sell car insurance don't always publicize all their discounts very well, so we researched some of the more common as well as the least known savings tricks you should be using.

  • College Student - Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Good Student - This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Defensive Driver - Completing a driver safety course can save you 5% or more if your company offers it.

Keep in mind that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it just doesn't work that way.

To choose companies offering car insurance discounts in North Carolina, click here to view.

The car insurance bait and switch

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make an identical promise that you can save if you switch to them. But how can every company make the same claim?

All companies have a certain "appetite" for the type of driver that makes them money. For instance, a desirable insured could be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay higher prices and ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save money. That is how insurance companies can advertise the way they do. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying the best car insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's situation is a little different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

  • What are North Carolina no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?

If you're not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

Additional detailed information is located at the North Carolina Department of Insurance website. Consumers can read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Other informative sites include Auto Insurance 101 and this page of insurance agents in Marion.

Marion car insurance quote

Final considerations

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.

You just learned many tips how you can save on car insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the most savings is with some of the lesser-known companies.

Affordable car insurance can be found from both online companies and with local Marion insurance agents, so you should compare both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.