7 Methods to Save on Car Insurance in Zebulon, NC

Paying for high-priced car insurance can overdraw your bank account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to cut your insurance bill.

Lots of contend to insure your vehicles, and because of this it can be hard to compare to get the lowest rate

car insurance in Zebulon

These seven discounts can lower your rates

Car insurance companies don't list all available discounts in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on car insurance.

  • Driver Safety - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance.
  • Senior Citizens - Older drivers may be able to get a small decrease in premiums.
  • Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Student Driver Training - Require your teen driver to enroll in driver's education if it's offered in school.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.

For a list of insurers who offer car insurance discounts in Zebulon, click this link.

Where Can I Get Cheap Zebulon Car Insurance?

Most major insurance companies such as 21st Century, Allstate and State Farm provide coverage price quotes on their websites. Getting quotes is fairly simple as you just enter your required coverages as detailed in the form. Once entered, the system will obtain reports for credit and driving violations and generates a price based on many factors. Online price quotes streamlines rate comparisons, but the time required to go to different websites and enter the same data into a form is repetitive and time-consuming. But it's very important to compare as many rates as possible if you want to find better car insurance pricing.

A more efficient way to compare car insurance pricing is to use a quote form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much simpler. After sending the form, it gets priced and you can select any of the quotes that you receive. If you find a better price you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes 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 fill out the form. If you have coverage now, it's recommended you type in the coverage information as close as possible to your current policy. This helps ensure you will receive a price comparison based on identical coverages.

Different people need different coverages

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions can help discover whether you might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • What happens if I owe more than my vehicle is worth?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

The best insurance company isn't always the cheapest

Cheaper car insurance can be bought both online as well as from independent agents in Zebulon, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.