Lower Online Newport Car Insurance Prices With These Methods

If you've never shopped for car insurance online, it's easy to be confused by the hoards of car insurance companies competing for business in Newport.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. This article will introduce you to how to get online quotes and some tips to save money. Nevertheless, North Carolina consumers do need to know how companies sell online and use this information to your advantage.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always list every discount in a way that's easy to find, so we break down both the well known and the harder-to-find car insurance savings.

  • Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Memberships - Being a member of a civic or occupational organization could qualify you for a break when shopping for car insurance.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Senior Citizens - Mature drivers may receive a small decrease in premiums.
  • Low Mileage Discounts - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy qualifies for this discount.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like it's possible to get free car insurance, it doesn't quite work that way.

To see a list of insurance companies with discount car insurance rates in Newport, follow this link.

compare Newport car insurance rates

Finding Car Insurance Deals in Newport, NC

The are a couple different ways of comparing rates from different Newport insurance companies. The best method to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  • The best way to find low rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate quotation requests for every car insurance company. A single form gets you price quotes from car insurance companies with the best prices. It's the fastest way to compare.
  • A slightly less efficient method to shop for car insurance online requires a trip to the website of each company to request a price quote. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website to input your insurance information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Newport, click here.
  • The least efficient method of getting rate comparisons is driving around to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local Newport agent. You can, however, obtain prices from the web but buy from a local insurance agent and you'll learn how to do that later.

Whichever way you use, make absolute certain that you use exactly the same quote information for each price quote. If your comparisons have mixed coverages it will be very difficult to truly determine the lowest rate in Newport. Just a small difference in coverage limits may result in large price differences. And when quoting car insurance, remember that comparing more company's prices will increase your chances of finding a better price.

Tips to Get Lower Newport Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Shown below are a few of the "ingredients" used by your company to calculate prices.

  • Theft deterrents lower rates - Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent your car from being stolen.
  • Multiple policies with one company can save - Some companies provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it's in your best interest to compare rates to verify if the discount is saving money.
  • Protect yourself with liability coverage - Your policy's liability coverage is the coverage that protects you when you are found liable for personal injury or accident damage. It provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Males pay more for insurance - Statistics show women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone's situation is unique.

For example, these questions might point out whether your personal situation would benefit from an agent's advice.

  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing of big savings if you change your coverage to them. How can each company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a driver they prefer might be between 25 and 40, owns a home, and drives newer vehicles. Any driver who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will be quoted higher premiums which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That is how insurance companies can confidently claim big savings. This emphasizes why drivers must get as many quotes as possible. You cannot predict which company will give you the biggest savings.

The best insurance company isn't always the cheapest

Consumers leave their current company for any number of reasons including unfair underwriting practices, policy cancellation, questionable increases in premium or denial of a claim. No matter why you want to switch, switching car insurance companies is actually quite simple.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Low-cost car insurance can be sourced both online as well as from independent agents in Newport, so you should compare both to have the best chance of lowering rates. A few companies don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

Newport car insurance quote

More tips and info about car insurance can be found at the North Carolina Department of Insurance website. Visitors are able to view a list of available companies, read consumer alerts, and find out which companies have the most complaints.