10 Guaranteed Ways to Slash Car Insurance Costs in Williamston

I can't think of anyone who likes having to buy car insurance, particularly when they are paying too much.

Consumers have many to pick from, and though it is a good thing to be able to choose, it can be more difficult to compare rates.

Car Insurance Comparison Rates in Williamston, NC

Performing a rate comparison can be a daunting task if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Williamston, or you can stay home and use the internet to get prices fast.

Most of the larger companies belong to an insurance system that enables customers to submit their information once, and at least one company returns a competitive quote. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to getting quotes like this is that consumers can't choose which providers to get quotes from. So if you prefer to choose individual companies to request quotes from, we put together a list of the cheapest car insurance companies in North Carolina. Click here to view list.

It's your choice how you get your quotes, but be sure to compare identical quote information for each comparison quote. If you compare mixed coverages you will not be able to determine the lowest rate in Williamston. Quoting even small variations in coverages may result in a large different in cost. Keep in mind that getting more free quotes helps you find a better price.

Don't pay full price with these ten discounts

Auto insurance companies don't always list every discount very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Federal Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Good Student - This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Multiple Cars - Having all your vehicles with the same company qualifies for this discount.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • No Accidents - Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more if your company offers it.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, car insurance companies aren't that generous.

To choose insurance companies with discount car insurance rates in North Carolina, click here to view.

The car insurance bait and switch

Car insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make an identical promise about savings if you change to their company. How does each company claim to save you money? This is how they do it.

Different companies have a certain "appetite" for the driver that makes them money. An example of a driver they prefer might be between 30 and 50, a clean driving record, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and therefore will save when switching.

Consumers who don't measure up to these standards will be quoted higher prices and ends up with the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that much. That is how companies can truthfully state the savings. This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict which company will have the lowest rates.

Your personal situation dictates your coverage

When buying proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every insured's situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Even more information is available at the North Carolina Department of Insurance website. Visitors are able to download brochures, file complaints about a company, report car insurance fraud, and view agent and company licensing information.

Other informative sites include this site for car insurance rates in North Carolina and this list of insurance agents in Williamston.

North Carolina car insurance

Shop smart and save

We just covered many tips how you can compare car insurance prices online. It's most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may discover the best prices are with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as .

Cheap car insurance can be sourced both online and also from your neighborhood Williamston agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and these smaller companies work with independent agents.