Getting the Cheapest Yanceyville Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are a lot of people in Yanceyville just like you who feel imprisoned by their auto insurance policy.

Popular companies such as GEICO and Progressive promote their brand names with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to check auto insurance prices every six months because insurance rates are constantly changing. If you had the best rates a few years ago you will most likely find a better rate today. You'll find quite a bit of inaccurate information about auto insurance online but we're going to give you some great ways to put money back in your pocket.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Yanceyville is quite easy. Nevertheless, North Carolina drivers do need to know the way insurance companies market on the web.

Don't pay full price with these discounts

Car insurance companies don't always list every available discount in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

  • Discount for Good Grades - Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
  • Clubs and Organizations - Participating in a civic or occupational organization could trigger savings on your policy.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Accident Free - Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Defensive Driving Course - Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free auto insurance policy, companies don't profit that way.

North Carolina auto insurance

The auto insurance bait and switch

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads make the same claim of big savings if you move to them. How can each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a preferred risk could possibly be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ads state "drivers who switch" not "everyone that quotes" save money. That's the way insurance companies can confidently advertise the way they do. That is why you should get as many comparisons as possible. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

More tips and info about auto insurance can be read at the North Carolina Department of Insurance website. North Carolina consumers can file complaints about a company, find out which companies have the most complaints, find a variety of consumer forms, and read industry bulletins.

Affordable insurance is out there

In this article, we presented some good ideas how to reduce auto insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

Cost effective auto insurance is definitely available online and with local Yanceyville insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.