Tightwads Guide for Saving on Tryon Car Insurance

Scraping up a payment for overpriced car insurance can drain your savings account and force you to make sacrifices. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ads and it is difficult to sift through the bull and find the best price available.

If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Buying car insurance in Tryon is easy if you know what you're doing. But North Carolina consumers do need to know the way insurance companies market insurance on the web.

Save big with these discounts

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit.

Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.
Senior Citizens - Older drivers may receive reduced rates.
Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.
Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you can actually save on your bill.
Student in College - Youth drivers living away from home attending college and don't have a car may qualify for this discount.
Anti-theft System - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
Club Memberships - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
Safety Course Discount - Taking a defensive driving course could cut 5% off your bill depending on where you live.
Military Rewards - Being deployed with a military unit could be rewarded with lower premiums.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, companies don't profit that way. But all discounts will reduce your overall premium however.

For a list of insurers with discount car insurance rates in Tryon, click here.

How to Buy Tryon Car Insurance Online

There are several ways of comparing rates from local Tryon car insurance companies. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quotation requests for each company. One form will get you price quotes from car insurance companies with the best prices.

A slightly less efficient method to get quotes online requires a visit to each individual company website and fill out their own quote form. For instance, let's assume you want comparison quotes from , and . You would have to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in Tryon, click here.

However you get your quotes, make darn sure you compare exactly the same coverage limits for every quote you compare. If your comparisons have differing limits it will be next to impossible to determine the best price in Tryon. Slightly different insurance coverages can mean a large discrepancy in price. And when comparison shopping, more quotes will increase your chances of finding better pricing.

But I don't know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
What are North Carolina no-fault laws?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Do I really need UM/UIM coverage?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The best insurance company isn't always the cheapest

Discount car insurance is attainable both online and with local Tryon insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced collision coverage and discovered at claim time that it was a big mistake. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.