Best Way to Find Cheaper Selma Auto Insurance

Finding lower rates for Selma auto insurance is challenging for consumers new to buying insurance online. There are so many choices that it can turn into more work than you anticipated to find the best price in Selma.

It's important to shop coverage around before your policy renews since insurance rates are constantly changing. Just because you found the best rates on your last policy you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the web, but we're going to give you some great ways to put money back in your pocket.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. The purpose of this post is to let you in on the most effective way to quote insurance and some money-saving tips. Although North Carolina vehicle owners do need to know the way companies sell online.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise every available discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known discounts you could be receiving.

  • Multi-policy Discount - If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Claim Free - Claim-free drivers pay less compared to drivers who are more careless.
  • E-sign - A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Clubs and Organizations - Affiliation with certain professional organizations may earn a discount on your policy.
  • Low Mileage - Fewer annual miles could qualify for a substantially lower rate.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

Selma auto insurance quote

The auto insurance bait and switch

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads have a common claim about savings after switching your coverage to them. How do they all say the same thing?

All the different companies can use profiling for the type of customer that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 30 and 50, is a homeowner, and has great credit. A propective insured that hits that "sweet spot" is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a more expensive rate and this can result in business not being written. The ads state "customers that switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the savings. That is why you should get quotes from several different companies. It's not possible to predict the company that will fit your personal profile best.

Learn more today

Even more information can be read at the North Carolina Department of Insurance website. North Carolina drivers can read consumer alerts, read industry bulletins, and get help finding coverage.

Do the work, save more money

When you buy insurance online, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Drivers change insurance companies for a number of reasons such as policy non-renewal, high rates after DUI convictions, an unsatisfactory settlement offer and even questionable increases in premium. Regardless of your reason, choosing a new insurance company is less work than it seems.

The cheapest auto insurance can be sourced on the web as well as from independent agents in Selma, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.