Car Insurance in Murfreesboro North Carolina - 8 Discounts You Might be Losing Out On

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, many Murfreesboro consumers feel financially strained by their car insurance policy.

You have multiple to buy insurance from, and though it is a good thing to have multiple companies, having more makes it harder to compare rates.

How much can you save with these eight discounts?

Insurance can cost an arm and a leg, but you may find discounts that many people don't even know exist. Most are applied when you complete an application, but lesser-known reductions have to be inquired about before they will apply.

Clubs and Organizations - Belonging to a qualifying organization may earn a discount when buying car insurance.
Multi-car Discount - Buying insurance for more than one vehicle on one policy qualifies for this discount.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.
Accident Free - Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies have a common claim about savings if you switch to them. How does each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer could be over the age of 40, has no driving citations, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards must pay higher rates and this can result in business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully advertise the savings.

This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Learn more about North Carolina car insurance

Additional information is available on the website for the North Carolina Department of Insurance. Click here for link. Consumers can find out which companies have the most complaints, report car insurance fraud, read consumer alerts, and learn about insurance regulations.

Affordable insurance is out there

Cheap car insurance can be found from both online companies and with local Murfreesboro insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.