How to Get Cheaper Roanoke Rapids Auto Insurance

Finding lower rates for Roanoke Rapids auto insurance is nearly impossible for beginners to comparing rates online. You have so many choices that it can be a big hassle to locate the lowest price in Roanoke Rapids.

It's important to price shop coverage before your policy renews because insurance rates are constantly changing. Just because you found the best rates a couple years back the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance on the internet, so I'm going to show you some great ways to save money.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. This information will let you in on the most effective way to quote insurance. Although North Carolina drivers do need to know how companies sell online.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. Some trigger automatically at the time of purchase, but some may not be applied and must be asked about prior to receiving the credit.

Save over 55 - Mature drivers may be able to get a discount up to 10%.
No Claims - Claim-free drivers pay less as compared to bad drivers.
Sign Online - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
Memberships - Participating in certain professional organizations is a good way to get lower rates on auto insurance.
Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.
Student Driver Training - Have your child complete a driver education course if it's offered in school.
Driver Safety - Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.

A little note about advertised discounts, most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To see a list of companies who offer auto insurance discounts in Roanoke Rapids, click here to view.

Cheap Roanoke Rapids Auto Insurance Comparisons

There are several ways you can shop for auto insurance and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in Roanoke Rapids, or you can utilize online quotes to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each company then gives them pricing determined by their information. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify which carriers to receive prices from. So if you prefer to pick from a list of companies to compare rates, we put together a list of low cost auto insurance companies in North Carolina. Click to view list.

It's your choice how you get your quotes, but ensure you're using the exact same quote information for every quote you compare. If your comparisons have mixed coverages it will be impossible to determine the best price in Roanoke Rapids. Quoting even small variations in coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices will enable you to find the best offered rates.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the different types of things that help determine the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are some of the items that factor into rates.

Women pay lower rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes have accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, business owners and accountants are shown to have higher rates than average attributed to high stress levels and long work days. On the flip side, occupations like farmers, athletes and performers pay the least.
Pay less after the wedding - Getting married can get you a discount on your policy. It usually means you are more responsible and it's statistically proven that drivers who are married are more cautious.
Don't skimp on liability - Liability coverage will protect you if ever a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
Safer occupants lowers premiums - Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Don't buy coverages you don't need - There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Coverages like vanishing deductibles, towing coverage and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
One company can mean more discounts - Many insurers will give a discount to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount you may still want to compare rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to make an identical promise about savings after switching your policy. How do they all make almost identical claims?

Insurance companies can use profiling for the right customer that is profitable for them. A good example of a desirable insured could possibly be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully advertise the way they do.

Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict the company that will provide you with the cheapest rates.

Do the work, save more money

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate.

People change insurance companies for many reasons like denial of a claim, high rates after DUI convictions, an unsatisfactory settlement offer or questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is actually quite simple.

The cheapest auto insurance can be sourced online in addition to many Roanoke Rapids insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Learn more today

Additional information can be read on the North Carolina Department of Insurance website through this link. North Carolina consumers can learn about insurance regulations, read industry bulletins, and get help finding coverage.