Consumer Tested Strategies to Save on Whitakers Auto Insurance

Tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in North Carolina.

There is such a variety of to buy insurance from, and even though it's nice to have a choice, so many choices can make it hard to compare rates.

These discounts can lower your rates

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before being credited.

  • Club Memberships - Participating in a qualifying organization could qualify you for a break when buying auto insurance.
  • No Claims - Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Multiple Cars - Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Save over 55 - Older drivers may receive a discount up to 10%.
  • Paperless Signup - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of insurers with discount auto insurance rates in North Carolina, follow this link.

Comparison of Auto Insurance in Whitakers

Most major insurance companies like Allstate, GEICO and Progressive provide insurance quotes online. This process doesn't take much effort as you just enter as detailed in the form. Once entered, the company's rating system will obtain your credit score and driving record and returns a price quote determined by many factors. Being able to quote online makes it a lot easier to compare rates but the time required to go to different websites and complete many quote forms can get tiresome after awhile. But it's very important to do this if you want to find better auto insurance pricing.

Quote rates the easy way

A more efficient way to lower your auto insurance bill uses one form to get prices from more than one company. The form is fast, reduces the work, and makes price shopping online much more enjoyable. As soon as the form is sent, it gets priced with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you can simply submit the application and purchase the new policy. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it's recommended you input deductibles and limits as close as possible to your current policy. This helps ensure you will get a price comparison based on identical coverages.

Final considerations

Cheaper auto insurance can be sourced online in addition to many Whitakers insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.