Car Insurance in Beaufort North Carolina - 9 Discounts You Might be Unaware of

Sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other North Carolina drivers. Drivers have so many to buy insurance from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

Finding the best rates in Beaufort is quite easy. If you have insurance now or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. North Carolina drivers only need an understanding of the best way to shop for car insurance online.

These nine discounts can lower your rates

Companies don't necessarily list all available discounts very clearly, so the following is a list of both the well known and the more hidden ways to save on car insurance. If you're not getting every credit available, you are paying more than you should be.

Organization Discounts - Being a member of a qualifying organization could trigger savings when buying car insurance.
Lower Rates for Military - Having a family member in the military could mean lower rates.
Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
Student in College - Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
Auto/Life Discount - Larger companies have a discount if you purchase life insurance.
Multi-car Discount - Buying coverage for more than one vehicle with the same company could earn a price break for each car.
Senior Citizens - If you're over the age of 55, you may qualify for a small decrease in premiums.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education in school.
Fewer Miles Equal More Savings - Driving fewer miles could qualify for better rates on cars that stay parked.

It's important to understand that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.

To choose insurers offering car insurance discounts in North Carolina, click this link.

Are you falling for claims of savings?

Consumers in North Carolina can't ignore all the ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the companies make the same claim of big savings if you switch your coverage to them.

How does each company claim to save you money?

Insurance companies can use profiling for the type of customer that makes them money. A good example of a profitable customer might be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay a higher premium which leads to the customer not buying. Company advertisements say "people who switch" not "everybody who quotes" save that much money. That's why insurance companies can confidently advertise the way they do. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

More North Carolina car insurance information

More tips and info about car insurance can be read at the North Carolina Department of Insurance website. Visitors are able to find out which companies have the most complaints, view a list of available companies, read consumer alerts, and read enforcement actions against agents and companies.

A tidy conclusion

Low-cost car insurance can be found both online as well as from independent agents in Beaufort, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies don't offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.