Pikeville Auto Insurance For Less Than You're Paying Now

Finding affordable Pikeville auto insurance is nearly impossible for beginners to comparing rates online. Consumers have so many choices that it can quickly become a big hassle to compare prices in Pikeville.

If you have insurance now or need new coverage, you can follow these tips to find better prices and possibly find even better coverage. Finding the lowest cost coverage in Pikeville is not that difficult. North Carolina consumers only need to know the best way to buy auto insurance online.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all available discounts in a way that's easy to find, so we break down both well-publicized and the more hidden ways to save on auto insurance. If you aren't receiving every discount available, you're paying more than you need to.

Memberships - Participating in a civic or occupational organization could trigger savings when buying auto insurance.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount depending on your company.
Air Bag Discount - Vehicles equipped with air bags can qualify for discounts of 20% or more.
Drivers Ed for Students - Have your child enroll in driver's education in school.
Defensive Driver - Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
Student in College - Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Auto/Life Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurers offering auto insurance discounts in Pikeville, click this link.

Comparison of Auto Insurance in Pikeville

Most companies provide coverage prices on the web. Getting online rates is pretty painless as you just enter as detailed in the form. Once you submit the form, the company's rating system will obtain your credit score and driving record and generates pricing information.

Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and complete many quote forms can get tiresome after awhile. But it's very important to do this if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to lower your auto insurance bill uses one simple form to get prices from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. As soon as the form is sent, it gets priced and you can choose your choice of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To save time and find out if lower rates are available, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you copy the limits and deductibles as close as possible to your current policy. This makes sure you will get rate quotes based on the exact same insurance coverage.

Pikeville Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

Don't skimp on liability - Liability insurance will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
More claims means more premium - Auto insurance companies in North Carolina give cheaper rates to insureds who are claim-free. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
Credit scores impact auto insurance rates - A driver's credit score is a large factor in your rate calculation. If your credit history is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Don't buy coverages you don't need - There are many extra bells and whistles that you can get tricked into buying on your auto insurance policy. Insurance for rental car reimbursement, accidental death and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money eliminate the coverages to reduce your premium.
Mature drivers pay less - Mature drivers are more responsible, file fewer claims and get fewer tickets. Teen drivers are statistically proven to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Where you reside plays a part - Being located in less populated areas is a positive aspect when insuring your vehicles. Fewer drivers translates into fewer accidents. Drivers who live in large North Carolina cities regularly have more traffic problems and longer commute times. Higher commute times can result in more accidents.
The more you drive the more you pay - The more miles you rack up on your car every year the more you'll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is rated on how each vehicle is driven.

How can Allstate, GEICO and Progressive save drivers who switch?

North Carolina consumers can't get away from ads for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies make the same claim about savings if you switch to their company.

How can each company make almost identical claims?

All the different companies can use profiling for the driver that is profitable for them. For example, a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements must pay higher prices which leads to the driver buying from a lower-cost company. The ad wording is "people who switch" not "everybody who quotes" save that much. That's why companies can truthfully state the savings. This illustrates why drivers must get quotes from several different companies. It is impossible to predict the company that will give you the biggest savings.

And the best car insurance company is...

The cheapest auto insurance is available online and also from your neighborhood Pikeville agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds switch companies for many reasons like questionable increases in premium, extreme rates for teen drivers, poor customer service or delays in responding to claim requests. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

In this article, we presented many ideas to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company.

Learn more today

Even more information can be found at the North Carolina Department of Insurance website. North Carolina consumers can find out which companies have the most complaints, download brochures, and find out industry alerts.