Tightwads Guide to Saving on Snow Camp Auto Insurance

Overpriced auto insurance can take a big chunk out of your savings account and put a big crunch on your finances. Shopping your coverage around is a smart way to help make ends meet.

With consumers having so many choices, it can be hard to locate the cheapest provider.

It's important to take a look at other company's rates quite often since insurance rates are constantly changing. Despite the fact that you may have had the best deal six months ago you will most likely find a better rate today. Starting right now, ignore everything you know about auto insurance because it's time to teach you the proper way to reduce your cost while increasing coverage.

Save big with these discounts

Auto insurance companies don't necessarily list all their discounts very well, so here is a list some of the best known as well as the least known auto insurance savings.

  • College Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • New Vehicle Savings - Insuring a new car is cheaper since new cars are generally safer.
  • Government Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Clubs and Organizations - Affiliation with a professional or civic organization could qualify you for a break on auto insurance.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

Snow Camp auto insurance comparison

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's needs are different so your insurance needs to address that. These are some specific questions may help you determine if your situation may require specific advice.

  • Why does it cost so much to insure a teen driver in Snow Camp?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to say the same thing that you can save after switching to their company. But how can every company say the same thing?

All companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be profiled as over the age of 50, insures multiple vehicles, and has a high credit rating. A propective insured who fits that profile will get very good rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will have to pay higher rates which usually ends up with business not being written. The ads say "customers that switch" not "people who quote" save that much. This is how insurance companies can state the savings. Because of the profiling, you should quote coverage with many companies. It's not possible to predict which insurance companies will have the lowest rates.

Additional detailed information is available at the North Carolina Department of Insurance website. North Carolina drivers can read enforcement actions against agents and companies, find out industry alerts, find out which companies have the most complaints, and view a list of available companies.

Also read more on this Car Insurance FAQ and this page of insurance agents in Snow Camp.

Snow Camp auto insurance comparison

The best insurance company isn't always the cheapest

As you restructure your insurance plan, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford.

Throughout this article, we presented many ways to reduce auto insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a small local company. Regional companies can often insure niche markets at a lower cost than their larger competitors like .

Affordable auto insurance can be bought on the web and also from your neighborhood Snow Camp agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.