Top Ways to Save on Midland Auto Insurance

Nobody looks forward to paying for auto insurance, in particular when they are paying too much. Insurance companies such as GEICO and Progressive promote their brand names with ad campaigns and it is difficult to sift through the bull and find the best price available.

It's important to do rate comparisons periodically because insurance rates are constantly changing. Even if you think you had the best rates last year you will most likely find a better 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 put money back in your pocket.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all their discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Accident Forgiveness - A handful of insurance companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Military Rewards - Having a family member in the military could be rewarded with lower premiums.
  • Accident Free - Good drivers with no accidents pay less as compared to drivers who are more careless.
  • Safety Course Discount - Taking a course in driver safety can save you 5% or more if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Save $429 a year? Really?

North Carolina consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you change to them.

How can each company make almost identical claims? It's all in the numbers.

Different companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a desirable insured could possibly be between the ages of 40 and 55, a clean driving record, and has great credit. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully advertise the savings. Because of the profiling, you should quote coverage with many companies. It is impossible to predict which company will give you the biggest savings.

Even more information can be read at the North Carolina Department of Insurance website. North Carolina consumers can learn about insurance regulations, file complaints about a company, find disaster information, and read industry bulletins.

North Carolina auto insurance

In the end, you save

Cheaper auto insurance is attainable online and with local Midland insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

In this article, we presented some good ideas how to reduce auto insurance prices online. It's most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper compared to the large companies like .