How to Find the Cheapest St Pauls Auto Insurance

Are you overwhelmed by the wide range of auto insurance options in St Pauls? You're not the only one! There are so many choices that it can turn into a real hassle to compare prices.

If you have insurance now or need new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Locating the lowest cost coverage in St Pauls can be fairly easy. North Carolina consumers only need to know the best way to compare rates online.

Tips to Get Lower St Pauls Rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better auto insurance rates.

  • Don't skimp on liability - Liability insurance provides coverage if a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Do you need the policy add-ons? - There are many extra coverages that you can get tricked into buying on your auto insurance policy. Insurance for vanishing deductibles, accidental death and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • High credit ratings translate to low rates - A driver's credit score is a big factor in calculating your auto insurance rates. If your credit history is lower than you'd like, you could save money insuring your by improving your credit score. People with good credit tend to be more responsible than drivers who have poor credit.
  • Your occupation can affect rates - Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, architects and dentists have the highest average rates due to high stress levels and long work hours. Other occupations like actors, historians and homemakers get better rates.
  • Higher safety ratings means cheaper insurance - Safer cars are cheaper to insure. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and more competitive rates for policyholders.
  • Where you reside plays a part - Choosing to live in a small town is a positive aspect when insuring your vehicles. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated North Carolina areas regularly have more traffic problems and longer commute times. Higher commute times means higher likelihood of an accident.
  • Adjust deductibles and save - Your deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more expense you have to pay, the less your auto insurance will be.

Compare the Market for Auto Insurance in St Pauls

Reducing your insurance rates is surprisingly easy. Consumers just need to spend a few minutes on the computer comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to find low rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for each company. Completing one form will return quotes from auto insurance companies with the best prices.It's the quickest way to get rates.
  2. A less efficient way to shop for auto insurance online is to take the time to go to each individual company website and fill out their own quote form. For examples sake, let's assume you want to compare rates from , and . You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in St Pauls, click here.

Which method you use is up to you, but compare exactly the same coverages and limits for each comparison quote. If you use different deductibles you can't possibly determine the lowest rate in St Pauls.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all available discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known auto insurance savings. If you aren't receiving every discount possible, you are paying more than you should be.

  • Organization Discounts - Participating in a civic or occupational organization could qualify you for a break when buying auto insurance.
  • Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Claim Free - Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
  • Fewer Miles Equal More Savings - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Auto/Home Discount - If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

To choose insurers offering auto insurance discounts in St Pauls, follow this link.

Save $429 a year? Really?

North Carolina consumers can't ignore all the ads that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies say the same thing about savings if you switch your coverage to them.

How can each company make almost identical claims? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that makes them money. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and drives newer vehicles. A driver who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully claim big savings. This illustrates why you need to quote coverage with many companies. It is impossible to predict which auto insurance company will give you the biggest savings.

Even more information can be read at the North Carolina Department of Insurance website. North Carolina consumers can find out which companies have the most complaints, discover disciplinary actions, and find out industry alerts.

auto insurance in St Pauls

And the best car insurance company is...

The cheapest auto insurance is available online as well as from independent agents in St Pauls, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don't offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of information how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from a small mutual company.

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. In too many instances, an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.