Getting Cheap Seagrove Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say there are a lot of people in Seagrove just like you who feel imprisoned by their auto insurance policy.

There are many to buy insurance from, and even though it's nice to have a choice, it makes it harder to compare rates.

Comprehensive Seagrove Auto Insurance Comparison Quotes

There are several ways to compare auto insurance prices but some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance companies in Seagrove, or you can stay home and use online quoting to achieve your goal.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and each participating company provides a quote based on that information. This eliminates the need for quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you can't choose which companies to get quotes from. So if you want to select from a list of companies to compare prices, we have assembled a list of the cheapest auto insurance companies in North Carolina. Click here to view list.

Whichever way you use, compare identical quote information on every quote you get. If the quotes have mixed coverages you will not be able to determine which rate is truly the best in Seagrove. Just a small difference in limits can make a big difference in price. Just keep in mind that quoting more helps locate a better price.

What determines how much you pay?

It's important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine prices.

Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
Drive a safer car and pay less - Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and thus lower rates.
Liability insurance protects assets - Your policy's liability coverage provides coverage when you are found liable for damages from an accident. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
Marriage pays dividends - Having a wife or husband helps lower the price when buying auto insurance. Having a significant other is viewed as being more mature it has been statistically shown that being married results in fewer claims.
Males pay more for insurance - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean women are better drivers. Both sexes have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
Cautious drivers pay less - A bad driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than their less careful counterparts. Just one speeding ticket can increase rates forty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
Adjust deductibles and save - Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more you're willing to pay, the less your auto insurance will be.

How much can you save with discounts?

Car insurance companies don't always advertise every discount very clearly, so we researched both the well known and the harder-to-find auto insurance savings.

Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Paperwork-free - A few companies may give you up to $50 just for signing your application over the internet.
No Charge for an Accident - Certain companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.

It's important to note that most of the big mark downs will not be given the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, you're out of luck.

For a list of insurance companies with discount auto insurance rates in North Carolina, follow this link.

Additional detailed information is located at the North Carolina Department of Insurance website. Visitors are able to view a list of available companies, find disaster information, find out which companies have the most complaints, and get help finding coverage.

The best insurance company isn't always the cheapest

Lower-priced auto insurance can be sourced both online and with local Seagrove insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

We covered many ways to lower your auto insurance rates. It's most important to understand that the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a lesser-known regional company. Smaller companies often have lower prices on specific markets compared to the large companies like .