8 Tricks to Save on Car Insurance in Reidsville
Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are many Reidsville consumers feeling the pinch from expensive car insurance.
Lots of contend for your business, so it can be very hard to choose a and get the best coverage at the lowest rate
It's important to get comparison quotes every six months since rates are constantly changing. Despite the fact that you may have had the best price last year the chances are good that you can find a lower rate today. Block out anything you think 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.
More discounts equal less premium
Car insurance companies don't list all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden ways to save on car insurance.
- Senior Citizens - Mature drivers may be able to get a discount up to 10%.
- Multiple Vehicles - Having multiple vehicles on the same car insurance policy could earn a price break for each car.
- Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
- No Claims - Drivers with accident-free driving histories can save substantially as compared to bad drivers.
- Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
- Sign Online - A few companies may give you up to $50 just for signing your application on their website.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Memberships - Being a member of certain professional organizations could trigger savings on car insurance.
It's important to note that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.
To see a list of companies who offer car insurance discounts in Reidsville, click this link.
Comprehensive Reidsville Car Insurance Comparison
Most companies such as Progressive, GEICO, Allstate and State Farm allow you to get insurance quotes on their websites. Getting quotes doesn't take much effort as you just type in the coverages you want into the quote form. Once you submit the form, the system will obtain credit information and your driving record and returns a price quote based on many factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.
The preferred way to lower your rates is to use a quote form that gets price quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable. After sending your information, it is rated and you can select any of the price quotes you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.
To find out how much you're overpaying now, click here and fill out the form. If you currently have coverage, we recommend you input the limits and deductibles exactly as shown on your declarations page. This makes sure you will have rate quotes based on the exact same insurance coverage.
Switch companies and save? Really?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to make the same claim that you can save after switching your policy. How do they all claim to save you money?
Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured might be a mature driver, has no driving citations, and has great credit. Any new insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.
Potential customers who do not match the "perfect" profile will have to pay a higher premium which leads to the customer not buying. The ads state "people who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can advertise the savings. Because of the profiling, drivers must compare as many rates as you can. It's just too difficult to predict which car insurance company will give you the biggest savings.
Do the work, save more money
As you prepare to switch companies, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at an affordable rate.
Lower-priced car insurance can be bought both online in addition to many Reidsville insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Learn more about North Carolina car insurance
Additional detailed information can be found at the North Carolina Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.
