Best Way to Find Cheaper Ramseur Car Insurance

Saving money on Ramseur car insurance is a challenge for people who are new to buying insurance online. There are so many options that it can turn into a ton of work to find the best price in Ramseur.

It's important to shop coverage around before your policy renews because rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago you may be paying too much now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to one of the best ways to find better coverage at a better price.

Compare Ramseur Car Insurance Costs

Getting better car insurance pricing is surprisingly easy. You just have to spend a little time to compare rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This easy form keeps you from doing repetitive form entry to each individual car insurance company. In just a few minutes this one form will get you rate comparisons direct from many companies. It's the fastest way to compare.

Another way to get quotes online requires you to visit each company website and fill out their own quote form. For examples sake, let's assume you want rates from , and . To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Ramseur, click here.

It's your choice how you get your quotes, but ensure you're using the exact same coverage information for each comparison quote. If the quotes have unequal deductibles or liability limits it will be impossible to determine the lowest rate in Ramseur.

North Carolina car insurance

Tips to Get Lower Ramseur Rates

It's important that you understand the different types of things that help determine your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • High credit ratings translate to low rates - Your credit history is a large factor in your rate calculation. So if your credit rating is not that good, you could be paying less to insure your by repairing your credit. People with excellent credit tend to be more responsible than those with lower credit scores.
  • Your car insurance rates can be influenced by your job - Did you know your job can affect your rates? Occupations like judges, business owners and accountants have higher rates than average attributed to high stress and lots of time spent at work. On the flip side, professions such as farmers, athletes and performers get better rates.
  • Men pay higher rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but men have costlier accidents. Men also receive more costly citations such as reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • Add-on coverages can add up - There are a ton of extra bells and whistles you can purchase on your policy. Coverages like roadside assistance, better glass coverage and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so get rid of them and save.
  • How's your driving record? - Your driving record impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Even one speeding ticket can bump up the cost by twenty percent. Drivers who get flagrant violations like DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The more you have to pay, the less your company will charge you for insurance.
  • Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • Older drivers save more - Mature drivers tend to be more responsible, file fewer claims and receive fewer citations. Young drivers are known to be less responsible in a vehicle therefore car insurance rates are much higher.

Save big with these discounts

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be manually applied before being credited. If they aren't giving you every credit available, you're just leaving money on the table.

  • Air Bag Discount - Vehicles with factory air bags can get savings up to 30%.
  • Employee of Federal Government - Simply working for the federal government may qualify you for a discount with certain companies.
  • 55 and Retired - Older drivers may be able to get a small decrease in premiums.
  • Driver Safety - Taking part in a driver safety course could save 5% or more depending on where you live.
  • Early Switch Discount - A few companies offer discounts for switching to them before your current policy expires. It's a savings of about 10%.

Keep in mind that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn't work that way. But any discount will cut your overall premium however.

For a list of providers who offer car insurance discounts in Ramseur, click here to view.

More information is located on the North Carolina Department of Insurance website through this link. Consumers can find out industry alerts, read industry bulletins, and learn about insurance regulations.

In the end, you save

We just showed you many tips how you can lower your car insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with an unexpected company.

People change insurance companies for many reasons like poor customer service, high rates after DUI convictions, denial of a claim and questionable increases in premium. Whatever your reason, finding the right car insurance provider is not as hard as you think.

As you shop your coverage around, you should never reduce needed coverages to save money. There have been many cases where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.