Top Ways to Save on Valdese Car Insurance

Paying for high-priced car insurance can empty your bank account and put a big crunch on your finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to take a look at other company's rates quite often due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates a year ago you may be paying too much now. There is a lot of bad advice regarding car insurance online but I'm going to show you some great ways to slash your car insurance rates.

Low Cost Valdese Car Insurance

There are several ways to compare car insurance quotes, but some are easier and takes less work. You could spend your day talking about coverages with agents in Valdese, or you can stay home and use the internet to get rates in a matter of minutes.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This prevents consumers from doing quote requests to each individual car insurance company.

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

The one disadvantage to comparing rates this way is you can't choose which companies you want pricing from. So if you want to choose individual companies for rate comparison, we put together a list of the cheapest car insurance companies in North Carolina. Click to view list.

However you get your quotes, make darn sure you compare exactly the same coverage information on every quote you get. If you use unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best in Valdese.

Valdese Rates are Influenced by These Factors

It's important that you understand the factors that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with better car insurance rates.

The following are some of the items car insurance companies consider when setting rates.

Being married is a good thing - Getting married can get you a discount on car insurance. It means you're more responsible it has been statistically shown that married drivers get in fewer accidents.
Older drivers save more - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers are known to be more careless when driving and because of this, their car insurance rates are much higher.
Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Men and women have accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
Special features that cut premiums - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
Bad driving skills means higher rates - Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even a single moving violation can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Be sure to get all your discounts

Car insurance companies don't list all their discounts in a way that's easy to find, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you aren't receiving every discount you deserve, you're just leaving money on the table.

Sign Online - Some insurance companies may give you up to $50 for buying your policy digitally online.
College Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Senior Citizens - Older drivers may be able to get better car insurance rates.
Payment Method - By paying your policy upfront rather than paying monthly you may reduce your total bill.
Save with a New Car - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
Accident Waiver - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a certain period of time.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won't be that lucky.

For a list of companies who offer car insurance discounts in Valdese, click here.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is unique and your policy should reflect that. For example, these questions may help you determine whether or not you might need an agent's assistance.

Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Valdese?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?
Should I file a claim if it's only slightly more than my deductible?
Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
What are North Carolina no-fault laws?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Even more information can be read at the North Carolina Department of Insurance website. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

In the end, you save

Cheaper car insurance can be bought both online and also from your neighborhood Valdese agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to buy enough coverage for the lowest price.