Lower Online New Bern Auto Insurance Prices With These Tricks

If you're new to shopping for auto insurance online, it's easy to be confused due to the large number of auto insurance companies selling insurance in New Bern.

It's important to compare prices periodically because insurance rates are constantly changing. Even if you think you had the best deal two years ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to find lower rates on auto insurance.

If you have car insurance now, you stand a good chance to be able to save some money using these methods. This article will familiarize you with how car insurance quotes work and some tips to save money. But North Carolina drivers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

New Bern auto insurance quote

How to Get New Bern Auto Insurance Comparison Quotes

There are several ways of comparing rate quotes from different New Bern insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method eliminates the need for multiple quote forms for every auto insurance company. Just one form will get you price quotes from multiple low-cost companies. This is perfect if you don't have a lot of time.
  • A less efficient way to compare rate quotes requires a visit to the website for each individual company and request a quote. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

    To view a list of companies in New Bern, click here.
  • The least efficient method of getting rate comparisons is driving to local New Bern insurance agencies. Buying insurance online has reduced the need for local agents unless you require the personal advice of a local New Bern agent. You can, however, get the lowest quotes online and still use a local agent.

Which method you use is up to you, but be sure to compare the exact same coverage limits with every price quote. If you use differing limits it's not possible to find the best deal in New Bern. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes will enable you to find better pricing.

Take advantage of discounts

Car insurance companies don't list every available discount in an easy-to-find place, so here is a list both well-publicized as well as the least known auto insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Memberships - Participating in certain professional organizations could qualify you for a break on your policy.
  • E-sign - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Resident Student - Children who live away from home and don't have a car may qualify for this discount.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Save over 55 - Mature drivers may receive better auto insurance rates.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you may reduce your total bill.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

To see a list of providers with discount auto insurance rates in New Bern, follow this link.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Is my vehicle covered for flood damage?
  • Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Additional North Carolina consumer information

More detailed North Carolina auto insurance information is available at the North Carolina Department of Insurance website. North Carolina consumers can find out industry alerts, file complaints about a company, and find disaster information.