Tightwads Tips for Saving on Moyock Auto Insurance

Expensive auto insurance can empty your personal savings and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to help make ends meet. Drivers have multiple to buy insurance from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some must be manually applied prior to getting the savings. If you're not getting every credit you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
  • Discount for New Cars - Insuring a new car is cheaper compared to insuring an older model.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Distant Student - Any of your kids who live away from home without a vehicle on campus may be able to be covered for less.
  • Low Mileage Discounts - Keeping the miles down can qualify you for better rates on cars that stay parked.

It's important to note that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, you're out of luck. But any discount will bring down your premiums.

It's not one size fits all

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover if you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Why does it cost so much to insure a teen driver in Moyock?
  • Should I buy additional glass protection?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

North Carolina consumers get pounded daily by advertisements for car insurance savings by Progressive, Allstate and GEICO. They all make the same claim that you can save if you move to their company.

How does each company make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. An example of a driver they prefer could possibly be between 30 and 50, has no prior claims, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save when switching.

Potential customers who do not match these standards will be quoted a more expensive rate which leads to the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much. This is how insurance companies can make the claims of big savings.

This emphasizes why you should compare many company's rates. It's impossible to know which insurance companies will fit your personal profile best.

More information is available on the website for the North Carolina Department of Insurance located here. North Carolina consumers can download brochures, file complaints about an insurance agent or broker, read industry bulletins, and read enforcement actions against agents and companies.

North Carolina auto insurance quotes

A tidy conclusion

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Lower-priced auto insurance is definitely available online and also from your neighborhood Moyock agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and these smaller companies work with independent agents.