Easy Methods to Cut Costs on Vilas Auto Insurance

Are you intimidated by the dozens of auto insurance choices in Vilas? Many other drivers are as well. People have so many options available that it can turn into a real challenge to find the best price.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what influences your rates enables informed choices that could result in big savings.

  • Liability insurance protects assets - Liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you know your deductibles? - Your deductibles represent how much money you are required to spend if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more you are required to pay out-of-pocket, the less your auto insurance will be.
  • Teen drivers pay high rates - Teen drivers in North Carolina are known to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, file fewer claims and receive fewer citations.
  • Marriage brings a discount - Having a wife or husband can get you a discount when buying auto insurance. Having a spouse means you're more mature and it's proven that being married results in fewer claims.
  • Policy add-ons can waste money - There are a ton of extra coverages that you can get tricked into buying on your auto insurance policy. Coverages for roadside assistance, accidental death and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate them to save money.
  • Traffic violations increase rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to keep their license.

How to Compare Auto Insurance Quotes in Vilas, North Carolina

There are several ways of comparing rate quotes from auto insurance companies in your area. One of the best ways to find the lowest rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotes to each individual auto insurance company. Filling out one form will get you rate comparisons instantly. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to compare rate quotes requires you to visit each individual company website and fill out their own quote form. For example, we'll assume you want to compare rates from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Vilas, click here.

Which method you use is up to you, but ensure you are comparing identical coverage information for each comparison quote. If you compare unequal deductibles or liability limits it's impossible to determine the lowest rate in Vilas. Just a small difference in limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best offered rates.

Take advantage of discounts

Companies do not list all available discounts very clearly, so we researched both well-publicized as well as the least known auto insurance savings.

  • Organization Discounts - Participating in a qualifying organization could qualify you for a break when buying auto insurance.
  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Student in College - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you're out of luck.

To choose insurers who offer auto insurance discounts in North Carolina, follow this link.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies say the same thing that you can save after switching to their company. How does each company make almost identical claims?

All the different companies are able to cherry pick for the driver that makes them money. For instance, a profitable customer could possibly be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A driver who fits that profile gets the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "people who quote" save that much. That's the way insurance companies can advertise the way they do. This illustrates why you need to get a wide range of price quotes. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Additional detailed information is located at the North Carolina Department of Insurance website. North Carolina consumers can find out which companies have the most complaints, report car insurance fraud, and read enforcement actions against agents and companies.

Do the work, save more money

Lower-priced auto insurance can be bought online and also from your neighborhood Vilas agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for auto insurance, never reduce coverage to reduce premium. In too many instances, someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

In this article, we presented a lot of information how to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with some of the lesser-known companies.