Stedman Car Insurance For Less Than You're Paying Now

Beginners to shopping for insurance online might discover finding cheap Stedman car insurance is harder than they anticipated.

This article will familiarize you with how to get online quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. But North Carolina car owners do need to know the methods companies use to price insurance differently and use this information to your advantage.

Save big with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Most are applied when you quote, but lesser-known reductions have to be asked for before you get the savings.

Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
Good Student - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Multiple Policy Discount - If you have multiple policies with the same company you may earn up to 20% off your total premium.
Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
Accident Forgiveness - Certain companies permit an accident before your rates go up if your claims history is clear prior to the accident.
Air Bag Discount - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.

Drivers should understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there isn't really a best way to insure your cars. Each situation is unique.

These are some specific questions may help highlight if your situation could use an agent's help.

Do I have coverage when using my vehicle for my home business?
Should I buy only the required North Carolina minimum liability coverage?
When does my teenage driver need to be added to my policy?
What are the best liability limits?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing that you'll save big after switching your coverage to them. How does each company make the same claim?

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a driver they prefer could be over the age of 40, a clean driving record, and has great credit. A customer who fits that profile receives the best rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted a higher premium which usually ends up with business going elsewhere. Company advertisements say "people who switch" not "people who quote" save that much money. That is how companies can advertise the savings.

This emphasizes why you should get as many quotes as possible. Because you never know which company will give you the biggest savings.

Additional North Carolina consumer information

Much more information about car insurance in North Carolina can be found on the North Carolina Department of Insurance website through this link. Consumers can find disaster information, file complaints about a company, and view agent and company licensing information.

Also read more on this page for car insurance prices in North Carolina and this page of Stedman insurance agents.

Final considerations

Consumers change insurance companies for many reasons like unfair underwriting practices, high prices, delays in paying claims and even policy non-renewal. Whatever your reason, finding the right car insurance provider is less work than it seems.

We just showed you a lot of information how to reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising.

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.