Best Way to Find Low-Cost Rockwell Auto Insurance

Finding the most affordable Rockwell auto insurance on the internet may be rather challenging for consumers new to comparing rates online. Because there are so many choices, how can consumers possibly compare the different rates to find the best available rates?

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. But North Carolina vehicle owners do need to know the way companies price insurance differently and take advantage of how the system works.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but lesser-known reductions have to be manually applied before being credited.

  • No Accidents - Drivers who don't have accidents can earn big discounts when compared to drivers who are more careless.
  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Multiple Policy Discount - If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Own a Home - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • New Vehicle Savings - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.

Consumers should know that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will help reduce your overall premium however.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing that you'll save big after switching to their company. But how can every company say the same thing?

All the different companies have a preferred profile for the driver that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher prices which usually ends up with business not being written. The ad wording is "customers that switch" not "people who quote" save that much. This is how companies can make the claims of big savings.

This emphasizes why you should get a wide range of price quotes. It's not possible to predict which insurance companies will fit your personal profile best.

For more North Carolina auto insurance information

Much more information about auto insurance in North Carolina is available on the North Carolina Department of Insurance website located here. North Carolina drivers can read industry bulletins, get help finding coverage, and view agent and company licensing information.

Also read more on this online resource for auto insurance quotes in North Carolina and this list of insurance agents in Rockwell.

Shop smart and save

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal and even poor customer service. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Discount auto insurance can be purchased on the web and also from your neighborhood Rockwell agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you shop your coverage around, don't be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.