Proven Techniques to Save on Stantonsburg Auto Insurance

Nobody I know looks forward to paying for auto insurance, in particular when the cost is too high. Insurance companies such as GEICO and Progressive promote their brand names with advertising and it can be hard to sift through the bull and find the best price available.

Auto Insurance Comparison Rates in Stantonsburg, NC

There are several ways to shop for auto insurance, but some are more efficient than others. You could spend your day talking about coverages with insurance companies in Stantonsburg, or you could save time and use online quotes to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company provides a quote. This prevents consumers from doing quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is you can't choose which companies to get quotes from. So if you prefer to choose individual companies to compare prices, we have assembled a list of auto insurance companies in North Carolina. Click here for list of insurance companies in North Carolina.

Whichever method you choose, be sure to compare exactly the same coverage limits and deductibles on every quote. If you compare different liability limits it's not possible to make a fair comparison in Stantonsburg.

Good Decisions Result in Lower Rates

It's important that you understand the factors that go into determining the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to better auto insurance rates.

Listed below are some of the items auto insurance companies consider when setting prices.

High crash test scores lower rates - Safer cars get lower rates. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders.
Traffic violations increase rates - Even one ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than bad drivers. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
One company can mean more discounts - Most insurance companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even with this discount, you still need to shop around to ensure the best deal.
Your job and insurance rates - Did you know that where you work can have an impact on rates? Careers like real estate brokers, social workers and dentists tend to have the highest average rates because of high stress and long work hours. Other occupations like scientists, historians and homemakers receive lower rates.

How much can you save with discounts?

Car insurance companies do not advertise every discount in a way that's easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Service Members Pay Less - Being deployed with a military unit could mean lower rates.
Early Signing - Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
Multiple Policy Discount - When you have multiple policies with one company you may earn 10% to 20% off each policy.
No Accidents - Good drivers with no accidents pay less when compared to frequent claim filers.
Low Mileage Discounts - Driving fewer miles could qualify for a substantially lower rate.

It's important to note that some credits don't apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you're out of luck.

For a list of insurance companies offering auto insurance discounts in Stantonsburg, click here.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight if your insurance needs might need an agent's assistance.

Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?
Is my vehicle covered for flood damage?
Does medical payments coverage apply to all occupants?

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

Additional detailed information can be read at the North Carolina Department of Insurance website. North Carolina consumers can find disaster information, file complaints about a company, read consumer alerts, and read industry bulletins.

A tidy conclusion

In this article, we presented a lot of ways to lower your auto insurance rates. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest rates come from the least-expected company. Smaller companies often have lower prices on specific markets compared to the large companies like .

As you go through the steps to switch your coverage, it's a bad idea to reduce needed coverages to save money. There have been many situations where someone dropped full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.