Top 6 Ways You Can Buy Car Insurance for Less in Rural Hall

Purchasing the lowest cost Rural Hall car insurance over the internet can be difficult for consumers not familiar with online price comaprisons. With so many insurers to choose from, how can you effectively compare every company to locate the lowest rates?

compare Rural Hall car insurance rates

More discounts equal less premium

Companies that sell car insurance don't always advertise every discount very clearly, so we break down some of the more common and the more hidden savings tricks you should be using.

  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Distant Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Paperwork-free - Some insurance companies will give a small break just for signing your application over the internet.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.

It's important to note that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck.

For a list of insurance companies who offer car insurance discounts in North Carolina, click here to view.

How to Buy Rural Hall Car Insurance Online

Most major insurance companies like State Farm, Allstate and GEICO allow you to get coverage price quotes directly from their websites. Getting quotes is fairly simple as you simply type in your coverage information into the quote form. Once entered, their rating system will obtain credit information and your driving record and returns a price quote.

Being able to quote online streamlines rate comparisons, but the time required to go to each company's website and repetitively complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to find a lower rate.

A more efficient way to locate the lowest prices is to use a quote form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable. After sending your information, it is rated and you can select any one of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you duplicate exactly as shown on your declarations page. This helps ensure you will be getting comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if you would benefit from an agent's advice.

  • What can I do if my company won't pay a claim?
  • Why does it cost so much to insure a teen driver in Rural Hall?
  • Does medical payments coverage apply to all occupants?
  • What are North Carolina no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

The best insurance company isn't always the cheapest

People change insurance companies for many reasons like unfair underwriting practices, not issuing a premium refund, an unsatisfactory settlement offer and policy non-renewal. It doesn't matter why you want to switch finding the right car insurance provider is not as hard as you think.

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Lower-priced car insurance can be sourced from both online companies as well as from independent agents in Rural Hall, so you should compare both to have the best rate selection. There are still a few companies who don't offer online quoting and these regional insurance providers work with independent agents.