How to Know You're Wasting Money for Auto Insurance in Pollocksville

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are many Pollocksville consumers feeling the pinch from expensive auto insurance. Popular companies such as GEICO and Progressive increase brand awareness with catchy ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have a policy now or need a new policy, you can learn to find the best rates and possibly find even better coverage. Finding the best rates in Pollocksville is quite easy. North Carolina drivers only need an understanding of the most efficient way to shop for auto insurance on the web.

These discounts can lower your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at quote time, but some may not be applied and must be manually applied in order for you to get them. If you aren't receiving every discount possible, you are throwing money away.

Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
Clubs and Organizations - Participating in a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
Claim Free - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Homeowners Discount - Simply owning a home can help you save on auto insurance because maintaining a house demonstrates responsibility.

Consumers should know that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

Are you falling for claims of savings?

North Carolina consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and GEICO. They all make an identical promise of big savings if you change your coverage to them.

How can each company make almost identical claims?

All companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be quoted more money and ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently make the claims of big savings.

This emphasizes why you should compare many company's rates. It's impossible to know which auto insurance company will fit your personal profile best.

Find out more about auto insurance

Additional auto insurance information can be read on the website for the North Carolina Department of Insurance through this link. North Carolina consumers can view a list of available companies, find disaster information, find out which companies have the most complaints, and read industry bulletins.

And the best car insurance company is...

Cost effective auto insurance can be sourced online as well as from independent agents in Pollocksville, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.