Proven Ways to Save on Morganton Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as the majority of other car owners in North Carolina. Because you have many choices of insurance companies, it is hard for the average consumer to find the right company.

It's important to price shop coverage once or twice a year because prices are constantly changing. Just because you had the best rates a couple years back there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance on the web, but we're going to give you some great ways to reduce your auto insurance bill.

Finding the best rates in Morganton is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. North Carolina drivers only need an understanding of how to shop for auto insurance online.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower auto insurance prices.

Listed below are some of the items that factor into your rates.

One company can mean more discounts - Most insurers give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by buying auto insurance from a different company.
Higher safety ratings means cheaper insurance - Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
What type of vehicle do you drive? - The make and model of the car you drive makes a substantial difference in how high your rates are. The lowest rates are for small economy passenger cars, but there are many factors that impact the final cost.
Careful drivers pay lower rates - Your driving record has a big impact on rates. Even a single ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to continue driving.
Protect yourself with liability coverage - Liability insurance will protect you in the event that a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so do not cut corners here.
Pay less if you're married - Getting married can actually save you money on your policy. Marriage usually means you are more mature and responsible and it's proven that drivers who are married are more cautious.
Save money with special equipment - Driving a car with an alarm system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.

Fast and Easy Morganton Auto Insurance Quotes

All major auto insurance companies quote coverage price quotes online. This process doesn't take a lot of time as you simply enter the amount of coverage you want as detailed in the form. After the form is submitted, the company's rating system will obtain information on your driving record and credit history and returns a price quote. This makes it a lot easier to compare rates but the process of having to visit many different websites and type in the same information is monotonous and tiresome. But it's very important to perform this step if you are searching for better auto insurance pricing.

The preferred way to find cheaper rates uses one form to return rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable. Immediately after you send the form, it is quoted and you can choose any or none of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase the new policy. It can be completed in less than 10 minutes and can result in significant savings.

To find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you input the insurance coverages exactly as they are listed on your policy. This makes sure you will have a fair comparison for the exact same coverage.

These discounts can lower your rates

Companies offering auto insurance don't always advertise every available discount very well, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If you don't get every credit available, you are paying more than you should be.

Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Military Discounts - Being on active duty in the military could mean lower rates.
Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
Good Students Pay Less - This discount can get you a discount of up to 25%. The good student discount can last until age 25.
Organization Discounts - Participating in a professional or civic organization is a good way to get lower rates on your policy.
E-sign - Certain companies will discount your bill up to fifty bucks simply for signing online.
Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

It's important to understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

To choose providers offering auto insurance discounts in North Carolina, click here to view.

Are you falling for claims of savings?

North Carolina consumers can't ignore all the ads for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads make an identical promise of big savings if you switch your policy.

But how can every company make almost identical claims?

All companies can use profiling for the right customer that makes them money. A good example of a preferred risk could possibly be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everybody who quotes" save that kind of money. That's why insurance companies can confidently advertise the way they do. That is why you need to get as many quotes as possible. It's impossible to know the company that will provide you with the cheapest rates.

More tips and info about auto insurance can be read at the North Carolina Department of Insurance website. North Carolina consumers can read consumer alerts, find disaster information, learn about specific coverages, and file complaints about a company.

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

In the end, you save

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. Too many times, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

You just read some good ideas how you can compare auto insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a small local company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as .