Lower Online Stallings Auto Insurance Prices With These Tips

Comparing Stallings auto insurance rates online can be a challenge if you're new to online quoting. But don't let that discourage you because comparing prices is actually very simple.

It's important to get comparison quotes occasionally since insurance rates are constantly changing. Just because you found the lowest price last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the quickest way to lower your rates without sacrificing coverage.

North Carolina auto insurance

Finding Auto Insurance Deals in Stallings, NC

There are multiple methods to shop for auto insurance, and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance companies in Stallings, or you could save time and use the web for quick rates.

The majority of car insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and each participating company can provide price quotes for coverage. This eliminates the need for quotation requests to each individual auto insurance company.

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

One minor caviat to comparing rates this way is you cannot specify the providers you will receive quotes from. If you would rather choose specific providers to compare rates, we have assembled a list of auto insurance companies in North Carolina. Click here to view list.

Whichever way you use, make absolute certain that you use apples-to-apples quote information on every quote you get. If you use mixed coverages it's not possible to determine which rate is truly the best in Stallings. Just a small difference in limits could mean much higher rates. And when quoting auto insurance, remember that having more price comparisons gives you a better chance of getting a better price.

Don't pay full price with these discounts

Auto insurance companies don't list every available discount very well, so we researched some of the best known as well as the least known auto insurance savings.

  • Discount for Swiching Early - Some insurance companies reward drivers for signing up before your current expiration date. The savings is around 10%.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Homeowners Savings - Being a homeowner may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Driver's Ed - Have your child take driver's ed class if offered at their school.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.

To see a list of providers with discount auto insurance rates in North Carolina, follow this link.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Additional detailed information is located at the North Carolina Department of Insurance website. North Carolina drivers can file complaints about a company, read consumer alerts, and report car insurance fraud.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Stallings North Carolina.