Easy Techniques to Save Money on Tabor City Auto Insurance

If you're new to shopping for auto insurance online, it's easy to be confused by the sheer number of auto insurance companies offering insurance in Tabor City.

It's important to price shop coverage periodically because prices are constantly changing. If you had the best deal a few years ago you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

Tabor City Auto Insurance Comparisons

There are several ways of comparing rates from different Tabor City insurance companies. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in several different ways.

The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotes for each company. Just one form will return price quotes instantly. It's definitely the quickest method.

A slightly less efficient method to get quotes online consists of visiting each company's website and complete a new quote form. For example, let's say you want to compare , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Tabor City, click here.

The most time-consuming method of comparing rate quotes is to waste gas driving to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice of a licensed agent. It is possible to compare the best prices online and still use a local agent. We'll cover that shortly.

Whichever method you choose, be sure to compare identical deductibles and coverage limits on every quote. If you have different values for each quote it will be very difficult to make a fair comparison in Tabor City. Slightly different limits may result in large price differences. Keep in mind that comparing more company's prices helps you find better pricing.

Tabor City auto insurance comparison

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

The list below includes some of the factors that factor into rates.

  • Older drivers save more - Youthful drivers in North Carolina tend to be more careless behind the wheel so they pay higher auto insurance rates. Adding a young driver onto your auto insurance can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Better credit scores mean better rates - Credit rating is a huge factor in determining your rates. Consumers who have good credit tend to be less risk to insure than those with poor credit. So if your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
  • Car features impact rates - Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Lower miles equals lower premium - The more you drive each year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based on their usage. Cars that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance policy shows the correct driver usage, because it can save money.

Save big with these discounts

Car insurance companies don't always publicize all their discounts very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Save with a New Car - Insuring a new car can save up to 30% compared to insuring an older model.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.
  • Homeowners Savings - Owning a house in Tabor City can save you money because of the fact that having a home requires personal responsibility.

It's important to note that some credits don't apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, you're out of luck.

For a list of companies with the best auto insurance discounts in North Carolina, click here.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique.

These are some specific questions may help highlight if your situation might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in North Carolina?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have any recourse if my insurance company denies a claim?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

Additional detailed information is available at the North Carolina Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, and view a list of available companies.

Other useful links include Auto Insurance 101 and this page where you can research Tabor City insurance agents.

North Carolina auto insurance

The best insurance company isn't always the cheapest

When shopping online for auto insurance, make sure you don't reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price.

We covered a lot of ways to lower your auto insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest rates come from a smaller regional carrier.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, unfair underwriting practices and delays in paying claims. Whatever your reason, switching auto insurance companies is not as hard as you think.