Car Insurance in Raleigh, NC - 10 Tips to Save Money
Scraping up a payment for overpriced car insurance can empty your savings account and make it impossible to make ends meet. Doing a price comparison is a smart way to make sure you're not throwing money away.
Big-name insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and find the best price available.
If you currently have car insurance, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Raleigh is easy if you know what you're doing. But North Carolina car owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.
How to Get Cheap Car Insurance in Raleigh, NC
Effectively comparing car insurance prices can take hours if you aren't aware of the most efficient way to do it. You could waste time driving to insurance agencies in Raleigh, or you can utilize the internet to get rates in a matter of minutes.
Many companies participate in a marketplace that allows shoppers to enter their policy data once, and each company returns a rated price based on the submitted data. This eliminates the need for repetitive form submissions for each company you want a rate for.
To submit your quote information now, click to open in new window.
The only drawback to comparing rates this way is you are unable to specify which carriers you want pricing from. If you wish to select individual companies to compare, we have a page of low cost car insurance companies in North Carolina. Click to view list.
It doesn't matter which method you choose, just make sure you use exactly the same information on every quote you get. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best in Raleigh. Just a small difference in insurance coverages could mean much higher rates. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding the best price.
How much car insurance do I need?
When choosing proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions can help discover if your insurance needs would benefit from professional advice.
- Am I covered when driving on a suspended license?
- When does my teenage driver need to be added to my policy?
- Who is covered when they drive my vehicle?
- Am I covered when pulling a rental trailer?
- Am I covered when driving in Canada or Mexico?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I qualify for additional discounts?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
The best insurance company isn't always the cheapest
Discount car insurance can be purchased from both online companies in addition to many Raleigh insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
As you restructure your insurance plan, it's not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
