How to Get Low-Cost Tarboro Car Insurance

Beginners to shopping for insurance online will discover buying the lowest-priced Tarboro car insurance quite difficult.

It's important to do rate comparisons periodically because rates are constantly changing. Even if you got the best price a few years ago you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Are you getting all your discounts?

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings.

Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
Multi-policy Discount - If you have multiple policies with one insurance company you may earn at least 10% off all policies.
Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiring. It's a savings of about 10%.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

It's important to note that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the cost of coverage.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone's situation is unique.

For instance, these questions may help highlight whether you might need an agent's assistance.

Does my insurance cover a custom paint job?
Should I buy only the required North Carolina minimum liability coverage?
What are the best liability limits?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads say the same thing that you can save after switching to them. But how can every company make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged a higher premium which usually ends up with business going elsewhere. The ads state "drivers who switch" not "everybody who quotes" save money. That is how insurance companies can advertise the way they do.

That is why you should compare as many rates as you can. Because you never know which company will provide you with the cheapest rates.

Additional North Carolina consumer information

More information can be found on the North Carolina Department of Insurance website. Click here for link. Consumers can find out industry alerts, file complaints about a company, and view agent and company licensing information.

Also read more on NAIC.org's Understanding your Policy and this directory of Tarboro insurance agents.

Final considerations

When shopping online for car insurance, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just showed you a lot of information how to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a smaller regional carrier.

Lower-priced car insurance can be purchased from both online companies and with local Tarboro insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.