Comparison Shop Mebane Car Insurance Prices With These Methods

Purchasing cheap Mebane car insurance over the internet may be somewhat difficult for beginners to shopping for insurance online. With so many choices of insurers to choose from, how can you possibly compare every one to find the lowest price?

It's important to do rate comparisons on a regular basis due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest rates on your last policy there is a good chance you can find better rates now. Starting right now, ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to remove unneeded coverages and save money.

Buying car insurance in Mebane is easy if you know what you're doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. But North Carolina consumers do need to know the way companies compete online and use this information to your advantage.

Why some people pay less for insurance in Mebane

Consumers need to have an understanding of the different types of things that help determine the rates you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

The following are a few of the "ingredients" companies use to determine your rates.

More than one policy can earn a discount - Many insurers give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to make sure you are getting the best deal.
Pay less after the wedding - Having a spouse can get you a discount on your policy. Marriage is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
Teen drivers pay high rates - Youthful drivers in North Carolina are known to be less responsible when driving so they pay higher car insurance rates. Having to add a youthful driver to your policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
Your location affects your rates - Residing in a rural area has it's advantages when talking about car insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer people means fewer accidents.
High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be collision with another vehicle, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend if you file a covered claim. The higher the amount you're willing to pay, the bigger discount you will receive.
No coverage gaps is important - Allowing your coverage to lapse will be a quick way to pay more for car insurance. Not only will you pay more, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with the North Carolina DMV.

Mebane Car Insurance Prices Online

There are several ways of comparing rates from local Mebane car insurance companies. One of the best ways to compare insurance prices is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quote forms for every car insurance company. One form submission will get you rate comparisons from many national carriers. It's definitely the quickest method.
A slightly less efficient method to compare rate quotes requires you to visit the website for each individual company to complete a price quote. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Mebane, click here.
The least recommended way to get comparison rates is to waste gas driving to insurance agents' offices. The internet eliminates the need for an insurance agent unless you want the personal advice of a local Mebane agent. However, consumers can find lower rates online and still use a local agent and you'll learn how to do that later.

It's your choice how you get your quotes, but ensure you are comparing identical coverage information with each company. If you compare unequal deductibles or liability limits then you won't be able to make an equal comparison in Mebane. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that more quotes helps you find the best offered rates.

Take advantage of discounts

Companies that sell car insurance don't list every available discount very clearly, so we break down both the well known and also the lesser-known savings tricks you should be using.

Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
E-sign - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
Resident Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Senior Citizens - If you're over the age of 55, you may be able to get reduced rates.
Passive Restraints - Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Government Employees - Employees or retirees of the government can save as much as 8% with certain companies.
Multi-policy Discount - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
Drivers Education - Cut your cost by having your teen driver take driver's ed class if it's offered in school.

Drivers should understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, companies wouldn't make money that way.

To choose providers who offer car insurance discounts in North Carolina, click here to view.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads make an identical promise that you'll save big after switching to them. How does each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For example, a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any driver who meets those qualifications gets the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be charged more money and ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save money. This is how companies can advertise the savings. That is why you need to get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

More detailed North Carolina car insurance information can be found at the North Carolina Department of Insurance website. Visitors are able to read consumer alerts, get help finding coverage, and read enforcement actions against agents and companies.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Mebane agent directory.

Final considerations

When you buy insurance online, make sure you don't reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Budget-conscious car insurance can be bought both online and with local Mebane insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just presented many tips how you can compare car insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies.