Maxton Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, you can be overwhelmed by the sheer number of auto insurance companies offering insurance in Maxton.

It's important to price shop coverage occasionally because prices are constantly changing. Even if you got the lowest rates a few years ago you may be paying too much now. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to lower your annual insurance bill.

Choosing the best insurance company for you in Maxton is quite easy. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. North Carolina drivers only need an understanding of the most efficient way to find the lowest price over the internet.

Automobile Insurance Quotes in Maxton, NC

There are multiple methods to shop for auto insurance, but some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in Maxton, or you can stay home and use online quoting to get prices fast.

All the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company then gives them pricing for coverage. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you can't choose which companies you want pricing from. If you would rather choose individual companies to compare prices, we have a listing of the cheapest auto insurance companies in North Carolina. Click to view list.

Whichever method you choose, make absolute certain that you use identical information for each price quote. If you use higher or lower deductibles you will not be able to truly determine the lowest rate in Maxton.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that help determine the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that may reward you with better auto insurance rates.

The following are a few of the "ingredients" that factor into rates.

  • Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Better credit scores mean better rates - Credit history is a huge factor in determining your rates. Therefore, if your credit history is not that good, you could be paying less to insure your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers with lower credit scores.
  • More people means more accidents - Living in a small town can be a good thing when insuring your vehicles. Urban drivers have to deal with much more traffic and longer commute times. Lower population means reduced accidents.
  • Drive less and save money - Driving more miles each year the more you will pay for auto insurance. The majority of insurers apply a rate determined by how the vehicle is used. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage shows the proper vehicle usage.

Don't pay full price with these discounts

Car insurance companies don't always advertise all their discounts very clearly, so we break down both well-publicized and the harder-to-find discounts you could be receiving. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Accident Forgiveness - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance from them.
  • Club Memberships - Participating in a qualifying organization may earn a discount on auto insurance.
  • Good Student - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Bundle and Save - When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.

It's important to understand that some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, it doesn't quite work that way.

For a list of companies who offer auto insurance discounts in North Carolina, click here.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your vehicles, there isn't really a cookie cutter policy. Every insured's situation is different.

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

  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required North Carolina minimum liability coverage?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and may give you better protection.

More tips and info about auto insurance can be found at the North Carolina Department of Insurance website. North Carolina consumers can learn about insurance regulations, find out industry alerts, and view agent and company licensing information.

Other useful links include this site for North Carolina auto insurance information and see this list of insurance agents in Maxton.

Maxton auto insurance quote

In the end, you save

Low-cost auto insurance can be purchased online in addition to many Maxton insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, make sure you don't reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest price.

Drivers change insurance companies for any number of reasons including denial of a claim, policy cancellation, delays in paying claims and questionable increases in premium. Regardless of your reason, switching auto insurance companies is not as hard as you think.