9 Tricks Guaranteed to Save on Car Insurance Costs in Mt Olive, NC

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say you are not the only one feeling buyer's remorse. With consumers having so many online and local companies to choose from, it's difficult to pick the lowest cost insurance company.

Choosing the best insurance company for you in Mt Olive is not that difficult. If you are insured now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. North Carolina consumers only need to know the proper methods to find the lowest price online.

Don't pay full price with these nine discounts

Companies that sell car insurance don't list every discount very well, so we researched both the well known as well as the least known ways to save on car insurance. If you don't get every credit possible, you're paying more than you need to.

  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Memberships - Being a member of a professional or civic organization could trigger savings when shopping for car insurance.
  • Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Defensive Driving Course - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Paperwork-free - Certain companies may give you up to $50 for buying your policy online.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

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

compare Mt Olive car insurance rates

Comprehensive Mt Olive Car Insurance Comparison

Shopping for lower car insurance rates can take time and effort if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Mt Olive, or you could save time and use the web for quick rates.

Many insurance companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company provides a quote for coverage. 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 getting quotes like this is that consumers can't choose which carriers to get quotes from. If you prefer to choose specific providers to request quotes from, 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 ensure you are comparing apples-to-apples coverages for each comparison quote. If you use different limits and deductibles on each one it's impossible to determine the lowest rate in Mt Olive.

The car insurance bait and switch

Consumers in North Carolina can't get away from ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all make the same claim about savings if you move your coverage to them.

But how can every company claim to save you money?

All companies are able to cherry pick for the type of customer that is profitable for them. For instance, a driver they prefer might be between 30 and 50, has no driving citations, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher prices which leads to the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much money. That's the way companies can truthfully claim big savings. This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

And the best car insurance company is...

The cheapest car insurance is definitely available both online as well as from independent agents in Mt Olive, so compare prices from both in order to have the best price selection to choose from. A few companies don't offer the ability to get a quote online and these small, regional companies work with independent agents.

We just covered some good ideas how to compare car insurance prices online. The key concept to understand is the more providers you compare, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .

Learn more about North Carolina car insurance

Even more information is located at the North Carolina Department of Insurance website. Visitors are able to view a list of available companies, find out which companies have the most complaints, download brochures, and file complaints about a company.

Additional helpful sites include this site for car insurance rates in North Carolina and this list of insurance agents in Mt Olive, NC.