Buy the Cheapest Saluda Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your bank account and put the squeeze on your family's finances. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill.

Big companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it can be hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance in Saluda is not that difficult. Although North Carolina consumers do need to know how companies sell online and apply this information to your search.

Take advantage of discounts

Car insurance companies don't necessarily list all available discounts in a way that's easy to find, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.
Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Clubs and Organizations - Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
Claim Free - Drivers who don't have accidents can save substantially when compared with drivers who are more careless.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in big savings.

Shown below are a few of the "ingredients" used by your company to calculate premiums.

Higher deductibles cost less - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The higher the amount you have to pay, the bigger discount you will receive.
Please use or commuting - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your car insurance declarations sheet is rated on the correct usage for each vehicle.
Don't skimp on liability - Your policy's liability coverage is the protection if you are found liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
Older drivers pay less - More mature drivers are more responsible, file fewer claims and receive fewer citations. Youthful drivers have a tendency to be more careless when driving and because of this, their car insurance rates are much higher.

How to know if you need help

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies make an identical promise about savings if you change your coverage to them. How can each company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer might be between 25 and 40, has no prior claims, and has excellent credit. Any driver who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements must pay higher prices and ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that much money. This is how companies can truthfully make those claims. This illustrates why drivers should get as many comparisons as possible. You cannot predict which insurance companies will have the lowest rates.

Learn more about car insurance in North Carolina

Even more information can be found at the North Carolina Department of Insurance website. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, find out which companies have the most complaints, and view a list of available companies.

Shop smart and save

The cheapest car insurance can be sourced both online as well as from independent agents in Saluda, so you should compare both in order to have the best price selection to choose from. Some companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.