Free Guide to Saving Money on Sparta Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not alone. Companies like GEICO and Progressive constantly bombard you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage at least once a year because rates are constantly changing. Just because you had the best rates two years ago you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

Save big with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit. If you aren't receiving every discount possible, you are throwing money away.

  • 55 and Retired - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
  • Defensive Driver - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Passive Restraints - Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

Keep in mind that most credits do not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will reduce your overall premium however.

Sparta car insurance comparison

Car insurance ads bend the truth

Consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save if you switch your policy.

How can each company make the same claim? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer who fits that profile will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay higher prices which usually ends up with business going elsewhere. The ads say "customers who switch" not "people who quote" save that kind of money. That's the way insurance companies can state the savings.

Because of the profiling, you should compare as many rates as you can. Because you never know which car insurance company will give you the biggest savings.

More information can be read on the website for the North Carolina Department of Insurance found here. Consumers can learn about insurance regulations, discover disciplinary actions, find out industry alerts, and download brochures.

car insurance in Sparta

A tidy conclusion

When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best price.

Affordable car insurance is available from both online companies in addition to many Sparta insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of tips how to reduce car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from a small mutual company. Regional companies can often insure niche markets at a lower cost than their larger competitors like .