Lower Online Mocksville Car Insurance Prices With These Tips

Consumers who are new to the process of shopping for insurance online may find shopping for affordable Mocksville car insurance quite challenging.

It's important to compare prices periodically because rates are constantly changing. If you had the lowest price last year you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to find out one of the easiest ways to get good coverage at a lower rate.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. The purpose of this post is to familiarize you with the best way to quote coverages and some tips to save money. Although North Carolina car owners do need to know the way companies determine prices because it can help you find the best coverage.

Mocksville Car Insurance Comparisons

There are multiple methods to shop for car insurance, but some are easier and takes less work. You can spend countless hours discussing policy coverages with agents in Mocksville, or you could save time and use the web to get rates in a matter of minutes.

The majority of car insurance companies belong to a marketplace that enables customers to submit their information once, and each company then gives them pricing based on that information. This system prevents you from having to do quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is you can't choose the providers you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we put together a list of car insurance companies in North Carolina. View list of North Carolina insurance companies.

It's up to you how you get prices quotes, just be sure to compare exactly the same deductibles and coverage limits with every price quote. If the quotes have different values for each quote it will be impossible to find the best deal in Mocksville. Having just a slight variation in coverages can result in a big premium difference. Keep in mind that comparing a large number of companies will increase your chances of finding better pricing.

Don't pay full price with these discounts

Car insurance companies do not list all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known ways to save on car insurance.

  • Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Lower Rates for Military - Having a family member in the military can result in better rates.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Memberships - Belonging to a civic or occupational organization could trigger savings on car insurance.
  • Defensive Driving Course - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

To see a list of companies with the best car insurance discounts in Mocksville, click this link.

Your personal situation dictates your coverage

When choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Additional North Carolina consumer information

Even more information is located at the North Carolina Department of Insurance website. Consumers can learn about insurance regulations, find out industry alerts, and download brochures.