6 Ways to Save on Car Insurance in Thomasville

Beginners to buying insurance online can find buying cut-rate Thomasville car insurance quite challenging.

It's important to shop coverage around periodically since rates are constantly changing. Despite the fact that you may have had the best deal six months ago there may be better deals available now. So forget anything you know (or think you know) about car insurance because we're going to show you the proper way to find better rates and still maintain coverage.

This information will familiarize you with how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. North Carolina drivers only need an understanding of the most effective way to compare prices over the internet.

North Carolina car insurance

How much can you save with these six discounts?

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some must be requested specifically prior to receiving the credit. If you don't get every credit you qualify for, you're just leaving money on the table.

  • Early Switch Discount - Some insurance companies reward drivers for switching to them before your current policy expires. It's a savings of about 10%.
  • Good Student - Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • New Car Discount - Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Resident Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Multi-policy Discount - When you have multiple policies with one company you may earn at least 10% off all policies.

It's important to understand that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of providers who offer car insurance discounts in North Carolina, follow this link.

How to Get Thomasville Car Insurance Comparison Quotes

There are several ways to shop for car insurance, and some are easier and takes less work. You can waste hours driving to insurance agencies in Thomasville, or you could save time and use the internet for quick rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company can provide price quotes based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify the companies you will receive quotes from. So if you prefer to choose from a list of companies to compare rates, we have a listing of car insurance companies in North Carolina. Click to view list.

Which method you use is up to you, but be sure to compare apples-to-apples coverage information for every quote you compare. If the quotes have unequal deductibles or liability limits it's not possible to determine the best price in Thomasville.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in North Carolina?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and can help protect your family.

A tidy conclusion

You just learned a lot of information how to get a better price on car insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with the least-expected company.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone dropped liability limits or collision coverage only to find out that they should have had better coverage. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Low-cost car insurance can be bought from both online companies as well as from independent agents in Thomasville, and you need to price shop both so you have a total pricing picture. Some insurance companies don't offer online quoting and many times these smaller companies only sell through independent insurance agents.