Top 5 Ways to Pay Less on Car Insurance in Newton

Consumers not familiar with buying insurance online will discover buying affordable Newton car insurance very challenging.

It's important to get comparison quotes periodically since rates are constantly changing. Even if you think you had the best deal a couple years back you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the proper way to save on car insurance.

North Carolina car insurance quotes

Newton Car Insurance Comparisons

Performing a rate comparison can take time and effort if you aren't aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in Newton, or you could save time and use online quotes for quick rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company then returns a price quote based on that information. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only downside to using this type of system is buyers cannot specifically choose the providers you want to price. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of car insurance companies in North Carolina. Click here to view list.

It's up to you how you get prices quotes, just be sure to compare apples-to-apples coverage limits on every quote. If the quotes have differing limits it will be impossible to make a fair comparison in Newton.

Be sure to get all your discounts

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some must be asked about before they will apply. If you don't get every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Safety Course Discount - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

To see a list of companies with discount car insurance rates in North Carolina, click this link.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Additional North Carolina consumer information

More information is available on the North Carolina Department of Insurance website located here. Consumers can view agent and company licensing information, file complaints about a company, and discover disciplinary actions.

Additional helpful sites include Wikipedia and this Newton agent directory.