6 Guaranteed Tricks to Cut Car Insurance Costs in Walkertown

Shopping for the most affordable Walkertown car insurance over the internet can be rather challenging for consumers new to buying insurance online. Because there are so many insurers to choose from, how can you effectively compare the different rates to find the lowest price?

It's important to compare prices quite often since rates are constantly changing. Just because you found the lowest price on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you're about to find out the quickest way to properly buy coverages while reducing your premium.

More discounts equal less premium

Car insurance companies do not list every available discount in a way that's easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
55 and Retired - If you qualify as a senior citizen, you may receive better car insurance rates.
Clubs and Organizations - Belonging to a civic or occupational organization is a good way to get lower rates on your policy.
Government Employees - Active or retired federal employment may qualify you for a discount with certain companies.
Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Own a Home - Being a homeowner can help you save on car insurance because maintaining a house shows financial diligence.

It's important to note that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you're out of luck.

It's not one size fits all

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's.

Here are some questions about coverages that may help you determine if you might need an agent's assistance.

Do I need PIP (personal injury protection) coverage in North Carolina?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Does my policy cover my teen driver if they drive my company car?
Are my tools covered if they get stolen from my vehicle?
Who is covered when they drive my vehicle?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form.

Switch companies and save? Really?

Companies like Allstate and Progressive consistently run ads in print and on television. All the ads make an identical promise that you can save if you change to their company. How can each company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be charged higher rates and ends up with business going elsewhere. The ads say "customers who switch" not "everyone that quotes" save that much. This is how insurance companies can advertise the savings. That is why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

Additional detailed information is located at the North Carolina Department of Insurance website. Consumers can read consumer alerts, read enforcement actions against agents and companies, and find out which companies have the most complaints.

Affordable insurance is out there

When you buy insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Walkertown agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

People leave their current company for a variety of reasons including policy cancellation, not issuing a premium refund, questionable increases in premium and even extreme rates for teen drivers. It doesn't matter why you want to switch finding a new car insurance company is less work than it seems.