How to Know You're Spending Too Much for Auto Insurance in Troy

Having to pay for overpriced auto insurance can empty your savings account and force you to make sacrifices. Comparing price quotes is a smart way to cut your insurance bill.

Big companies like GEICO and Progressive all claim big savings with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices quite often since insurance rates are constantly changing. Even if you think you had the best deal last year there may be better deals available now. So ignore everything you know about auto insurance because it's time to teach you the only way to find lower rates on auto insurance.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Troy is quite easy. Nevertheless, North Carolina vehicle owners do need to know the way companies market insurance on the web and take advantage of how the system works.

How much can you save with discounts?

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

Discount for Life Insurance - Larger companies have better rates if you take out life insurance.
Senior Discount - Older drivers may receive a small decrease in premiums.
Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
Claim Free - Drivers who don't have accidents can earn big discounts as compared to frequent claim filers.
Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Club Memberships - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.

It's important to understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. 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 reduce the amount you have to pay.

For a list of companies with discount auto insurance rates in Troy, follow this link.

Free Troy Auto Insurance Quotes

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You can waste hours driving to insurance companies in Troy, or you could use the web to get rate comparisons in just a few minutes.

Most car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote. 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 drawback to comparing rates this way is you can't choose the companies you want to price. So if you want to choose from a list of companies to compare prices, we have a listing of companies who write auto insurance in North Carolina. Click here to view list.

Whichever way you use, make darn sure you compare exactly the same coverage limits on every quote you get. If you are comparing differing limits you can't possibly determine which rate is truly the best in Troy. Just a small difference in coverage limits can result in a big premium difference. And when comparison shopping, comparing a large number of companies will improve the odds of getting better pricing.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's so your insurance needs to address that. For example, these questions may help you determine if your insurance needs might need an agent's assistance.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
What companies insure drivers after a DUI or DWI?
Do I have any recourse if my insurance company denies a claim?
Do I qualify for additional discounts?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Shop smart and save

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price.

Low-cost auto insurance is attainable on the web as well as from independent agents in Troy, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online quoting and most of the time these smaller companies sell through independent agents.