Easy Ways to Pay Less on Randleman Car Insurance

Saving money on Randleman car insurance is hard for consumers new to comparing rates online. You have so many choices that it can easily become more work than you anticipated to find the best price in Randleman.

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be manually applied prior to receiving the credit.

  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Claim Free - Claim-free drivers pay much less when compared to drivers who are more careless.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with a few car insurance companies.

It's important to note that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you're out of luck. But any discount will cut your overall premium however.

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Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing that you can save if you move your coverage to them. How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that earns them a profit. For instance, a driver they prefer might be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be quoted higher prices which usually ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that much money. That's why insurance companies can advertise the way they do.

This emphasizes why you should quote coverage with many companies. You cannot predict the company that will provide you with the cheapest rates.

More information is located on the North Carolina Department of Insurance website found here. Visitors are able to download brochures, read industry bulletins, and learn about insurance regulations.

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Shop smart and save

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, denial of a claim and even delays in responding to claim requests. Whatever your reason, finding a new car insurance company is less work than it seems.

Lower-priced car insurance is definitely available both online as well as from independent agents in Randleman, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies don't offer you the ability to get quotes online and these small, regional companies work with independent agents.

We just presented a lot of tips how to reduce car insurance prices online. The key concept to understand is the more providers you compare, the better chance you'll have of finding lower rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies.