9 Discounts Zirconia Drivers Forget when Shopping for Car Insurance

Expensive car insurance can dwindle your checking account and force you to make sacrifices. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Having so many choices of insurance companies, it is hard for the average consumer to choose the lowest price insurer.

It's important to compare rates yearly since rates are constantly changing. If you had the best rates two years ago there may be better deals available now. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to stop overpaying for insurance.

These nine discounts can lower your rates

Companies offering auto insurance do not advertise all their discounts very well, so the following is a list of some of the more common and the harder-to-find car insurance savings.

  • Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • New Car Discount - Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance - Some companies give a break if you buy auto and life insurance together.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Driver's Ed - Require your teen driver to complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy qualifies for this discount.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you're out of luck.

For a list of companies with the best car insurance discounts in North Carolina, follow this link.

Where Can I Get Cheap Zirconia Car Insurance?

Most major insurance companies allow you to get prices on the web. Getting quotes is quite easy as you just type in your required coverages as detailed in the form. Once entered, their rating system will obtain information on your driving record and credit history and quotes a price. This simplifies rate comparisons, but having to visit several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to perform this step in order to find better car insurance pricing.

A more efficient way to compare car insurance pricing is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online a lot less work. As soon as the form is sent, it is rated and you are able to buy any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with coverages and limits exactly as shown on your declarations page. This helps ensure you will receive comparison quotes based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's situation is unique so your insurance needs to address that. For instance, these questions can help discover whether you might need an agent's assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

The best insurance company isn't always the cheapest

Lower-priced car insurance is possible from both online companies and also from your neighborhood Zirconia agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price.