Getting Cheap Stem Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many Stem consumers feeling the pinch from expensive auto insurance. Drivers have so many to buy insurance from, and although it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months because prices are constantly changing. Even if you got the lowest price two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to find better coverage at a better price.

Shopping for the lowest cost coverage in Stem is easy if you know what you're doing. If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. North Carolina drivers only need an understanding of the best way to shop their coverage around online.

North Carolina auto insurance

Compare Quotes for Stem Auto Insurance

Most companies like State Farm and Allstate quote price estimates directly from their websites. This process is quite simple as you simply enter the coverages you want into the quote form. When the form is submitted, the company's rating system will obtain credit information and your driving record and quotes a price based on these factors. Being able to quote online streamlines rate comparisons, but having to visit many different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to perform this step if you are searching for a lower rate.

There is an easier way!

A quicker way to lower your rates uses one form that analyzes rates from a lot of companies. It's a real time-saver, eliminates form submissions, and makes price shopping online a lot less work. As soon as the form is sent, it is quoted and you can choose any one of the quotes returned.

If the quotes result in lower rates, it's easy to complete the application and buy the new coverage. It just takes a couple of minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it's recommended you duplicate the coverages identical to your current policy. This ensures you will get rate quotes for similar insurance coverage.

More discounts equal less premium

Car insurance can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for before you get the savings. If you're not getting every credit possible, you're paying more than you need to.

  • Discount for Good Grades - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount - Having more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Save over 55 - Mature drivers may qualify for a small decrease in premiums.
  • Memberships - Participating in a qualifying organization may earn a discount on your policy.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance from them.
  • Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.

Consumers should know that some credits don't apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will bring down your premiums.

To see a list of providers offering auto insurance discounts in North Carolina, click here.

Additional auto insurance information is located on the website for the North Carolina Department of Insurance through this link. North Carolina consumers can file complaints about a company, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.