Top Ways to Save on Southport Auto Insurance

Paying for high-priced auto insurance can drain your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Insurance companies such as GEICO and Progressive all promote huge savings with advertising and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage yearly since insurance rates are constantly changing. Even if you got the best deal six months ago there may be better deals available now. So ignore everything you know about auto insurance because it's time to teach you the only way to lower your annual insurance bill.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Accident Waiver - A handful of insurance companies permit an accident without raising rates as long as you don't have any claims for a certain period of time.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • No Claims - Drivers who don't have accidents can earn big discounts as compared to frequent claim filers.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.

A little note about advertised discounts, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of companies who offer auto insurance discounts in Southport, follow this link.

Where Can I Get Cheap Southport Auto Insurance?

Finding a better price on auto insurance can be surprisingly simple. Consumers just need to invest a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

One of the best ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method eliminates the need for boring form submissions for each company. A single, simple form gets rate comparisons from all major companies.

A harder way to shop for auto insurance online is spending the time to visit each individual company website and fill out their own quote form. For instance, let's say you want comparison quotes from , and . You would have to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Southport, click here.

The least efficient way to get comparison rates is to spend your day driving to and from local Southport insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. You can, however, compare online quotes but buy from a local insurance agent and we'll touch on that later.

Which method you use is up to you, but make sure you use exactly the same information for every quote you compare. If you are comparing higher or lower deductibles it will be next to impossible to determine the best price in Southport.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won't apply. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in North Carolina?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

And the best car insurance company is...

Cheaper auto insurance can be purchased on the web in addition to many Southport insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it's a bad idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate.