Top Ways to Save on Spindale Auto Insurance

No one looks forward to paying for auto insurance, especially knowing the cost is too high. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around occasionally since insurance rates are constantly changing. Just because you found the best rates a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

If you have a policy now or need a new policy, you will benefit by learning to find the best rates while maximizing coverage. Finding affordable coverage in Spindale is easy if you know what you're doing. North Carolina vehicle owners just need to know the proper methods to compare company rates on the web.

Tips to Get Lower Spindale Rates

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

Males pay more for insurance - Statistics show women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. They both have accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
Consolidate policies to earn discounts - Some companies will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money.
Liability coverage is peace of mind - Your policy's liability coverage is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
More claims means more premium - Car insurance companies in North Carolina provide cheaper rates to people who do not file claims often. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for larger claims.

Finding Auto Insurance Deals in Spindale, NC

Performing a rate comparison can take hours if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Spindale, or you could save time and use online quotes to get rates in a matter of minutes.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can't choose which providers you want pricing from. If you would rather choose specific insurance companies to request quotes from, we have a page of auto insurance companies in North Carolina. Click here to view list.

Which method you use is up to you, but make absolute certain that you use exactly the same quote information for each comparison quote. If you use mixed coverages it will be impossible to determine the lowest rate in Spindale.

Be sure to get all your discounts

Companies don't necessarily list all their discounts in a way that's easy to find, so the following is a list of some of the best known as well as the least known auto insurance savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

Accident Forgiveness - A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Organization Discounts - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if offered at their school.
Safety Course Discount - Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
Sign Online - A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Homeowners Savings - Owning a house in Spindale may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Consumers should know that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

To choose companies with discount auto insurance rates in Spindale, follow this link.

Is there truth in advertising?

North Carolina drivers can't ignore all the ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you'll save big if you change your coverage to them.

How can each company say the same thing?

All the different companies have a certain "appetite" for the type of customer that makes them money. A good example of a desirable insured might be profiled as between 30 and 50, owns a home, and drives less than 7,500 miles a year. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will have to pay higher prices which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That is how companies can advertise the way they do. Because of the profiling, you need to compare many company's rates. It's not possible to predict which company will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions might point out whether or not you might need professional guidance.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Is rental equipment covered for theft or damage?
Should I have combined single limit or split liability limits?
Do I need to file an SR-22 for a DUI in North Carolina?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

More detailed North Carolina auto insurance information can be read at the North Carolina Department of Insurance website. North Carolina drivers can learn about insurance regulations, read consumer alerts, find out which companies have the most complaints, and download brochures.

In the end, you save

Discount auto insurance can be sourced on the web as well as from independent agents in Spindale, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.

When shopping online for auto insurance, it's not a good idea to reduce coverage to reduce premium. In many cases, an insured cut full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.