Best Way to Find the Cheapest Winston Car Insurance

Shopping for the most affordable Winston car insurance on the web is difficult for people who are new to price shopping online. With so many online companies, how can consumers even start to compare them all to find the lowest rates?

compare Winston car insurance rates

Policy discounts you shouldn't miss

Car insurance companies don't list every discount in a way that's easy to find, so the following is a list of some of the more common and the more hidden ways to save on car insurance. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Club Memberships - Belonging to a civic or occupational organization could trigger savings when shopping for car insurance.
  • Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Own a Home - Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.

For a list of insurance companies with discount car insurance rates in Winston, click this link.

Where Can I Get Cheap Winston Car Insurance?

Finding a better price on car insurance isn't really that difficult. Consumers just need to spend a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

One of the best ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form prevents you from having to do separate quotes to each individual car insurance company. A single, simple form gets you price quotes instantly. It's the fastest way to compare.

Another way to shop for car insurance online requires a trip to the website of each company to complete their respective quote request forms. For instance, let's say you want comparison quotes from , and . To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Winston, click here.

It doesn't matter which method you choose, just make sure you use exactly the same quote information on every quote you get. If you are comparing mixed coverages it will be impossible to determine which rate is truly the best in Winston.

Insurance agents can help

When it comes to choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone's needs are different.

For example, these questions can help discover whether your personal situation might need an agent's assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

In the end, you save

Insureds leave their current company for many reasons like unfair underwriting practices, delays in paying claims, questionable increases in premium and poor customer service. No matter why you want to switch, finding the right car insurance provider is not as hard as you think.

When shopping online for car insurance, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Cheap car insurance can be sourced from both online companies as well as from independent agents in Winston, and you should compare price quotes from both to have the best selection. Some car insurance companies don't offer online quoting and these small insurance companies work with independent agents.