Free Guide to Cutting Costs on Stony Point Auto Insurance Online

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are no different than the majority of other car owners in North Carolina.

Numerous battle to insure your vehicles, so it's not easy to compare every to get the lowest price

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

The following are a few of the "ingredients" that factor into premiums.

Safer cars are cheaper to insure - Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Small claims can cost you - Auto insurance companies in North Carolina award better rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for major claims that would cause financial hardship.
The more you drive the more you pay - Driving more miles every year the more you'll pay to insure your vehicle. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your auto insurance coverage is showing the proper vehicle usage.
Liability coverage is cheap - Liability coverage will protect you if a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
A lapse in coverage is a bad thing - Allowing your auto insurance policy to lapse will be a guaranteed way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
Bump up deductibles to save - Deductibles for physical damage represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
Traffic violations increase rates - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation may increase your cost by twenty percent. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to keep their license.
Your car's features help determine rates - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.

These discounts can lower your rates

Companies that sell car insurance don't list all available discounts in an easy-to-find place, so we break down both well-publicized and the more hidden savings tricks you should be using.

Military Discounts - Being on active duty in the military may qualify for rate reductions.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.
Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
Organization Discounts - Participating in certain professional organizations is a good way to get lower rates when buying auto insurance.
Fewer Miles Equal More Savings - Fewer annual miles can earn discounted rates on garaged vehicles.
Student Driver Training - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free auto insurance policy, you won't be that lucky.

To choose insurers who offer auto insurance discounts in Stony Point, click here to view.

Are you falling for claims of savings?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies make an identical promise about savings after switching your policy. How do they all make almost identical claims?

Different companies can use profiling for the right customer that makes them money. For example, a profitable customer could possibly be between the ages of 30 and 50, is a homeowner, and has a short commute. A driver who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile must pay higher prices and ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully make the claims of big savings. This illustrates why you should get quotes from several different companies. It is impossible to predict the company that will fit your personal profile best.

Even more information can be found at the North Carolina Department of Insurance website. North Carolina consumers can find disaster information, download brochures, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Shop smart and save

Cheaper auto insurance can be purchased online in addition to many Stony Point insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.