Car Insurance in Stanley, NC - 7 Tips to Save Money

Having to pay for overpriced car insurance can drain your savings account and make it impossible to make ends meet. Comparison shopping is a great way to cut your insurance bill.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to lower your premiums substantially using these methods. Buying car insurance in Stanley is not that difficult. Although North Carolina car owners do need to know the way insurance companies price insurance differently and apply this information to your search.

Free Stanley Car Insurance Quotes

There are several ways to compare rate quotes from local Stanley car insurance companies. The best method to find the lowest rates is to perform an online rate comparison. This can be done using a couple different methods.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate forms for every car insurance company. One form gets rate comparisons from several companies.
  • A different way to compare rate quotes is spending the time to visit each individual company website and fill out their own quote form. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Stanley, click here.

However you get your quotes, make darn sure you compare exactly the same information for every quote you compare. If you compare higher or lower deductibles you can't possibly determine the best price in Stanley. Slightly different coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will increase your chances of finding the best price.

Take advantage of discounts

Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked for prior to receiving the credit.

  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Student in College - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperless Signup - Certain companies will give a small break for buying your policy digitally online.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurers who offer car insurance discounts in Stanley, click here.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in North Carolina?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

More sites with car insurance information

Additional information can be found on the website for the North Carolina Department of Insurance found here. Consumers can report car insurance fraud, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.