Buy the Cheapest Bethel Car Insurance

Scraping up a payment for overpriced car insurance can take a big chunk out of your savings account and put a big crunch on your finances. Doing a price comparison is a great way to help make ends meet.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices yearly due to the fact that insurance rates are constantly changing. Just because you found the best price a couple years back you may be paying too much now. Forget all the misinformation about car insurance because you're about to find out how to use online quotes to get good coverage at a lower rate.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Bethel is easy if you know what you're doing. But North Carolina consumers do need to know the methods companies use to sell online and apply this information to your search.

Where Can I Get Cheap Bethel Car Insurance?

The are a couple different ways of comparing rates from local Bethel car insurance companies. The recommended way to compare insurance prices is simply to get online rate quotes. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form keeps you from doing a different quote for every car insurance company. A single, simple form gets you price quotes .

A slightly less efficient method to shop for car insurance online requires visiting the website for each individual company and complete a new quote form. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Bethel, click here.

However you get your quotes, make sure you use exactly the same quote information on every quote. If your comparisons have mixed coverages it will be impossible to make a fair comparison in Bethel. Slightly different insurance coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding the best offered rates.

How to Lower your Car Insurance Rates

It's important that you understand the factors that help determine the rates you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get lower car insurance prices.

The following are a few of the "ingredients" used by your company to calculate your rates.

Do you know you're credit rating? - Your credit history is a important factor in determining what you pay for car insurance. If your credit score is not that good, you could be paying less to insure your by improving your credit score. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.
Pleasure use saves money - Driving more miles in a year's time the higher your rates will be. Almost all companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance coverage is rated on the proper vehicle usage.
Being married is a good thing - Having a spouse can get you a discount on car insurance. Marriage translates into being more mature than a single person and it's proven that married drivers get in fewer accidents.
Car features impact rates - Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
Older drivers save more - More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Youthful drivers are known to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.

Policy discounts you shouldn't miss

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Most are applied when you complete an application, but less common discounts must be asked about before they will apply.

Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Life Insurance Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Own a Home - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
Payment Method - By paying your policy upfront rather than paying monthly you could save up to 5%.
Senior Citizens - Older drivers may be able to get a small decrease in premiums.
Club Memberships - Being a member of a civic or occupational organization may earn a discount on your policy.
Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
Accident Waiver - A handful of insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
Save with a New Car - Adding a new car to your policy can save up to 30% since new cars are generally safer.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

For a list of providers who offer car insurance discounts in Bethel, click here.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different and your policy should reflect that. For example, these questions can help discover whether your personal situation could use an agent's help.

Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in North Carolina?
Does my policy cover my teen driver if they drive my company car?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?
When do I need to add a new car to my policy?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Much more information about car insurance in North Carolina can be found on the website for the North Carolina Department of Insurance located here. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, get help finding coverage, and view a list of available companies.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, it's not a good idea to reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Budget-conscious car insurance can be sourced both online as well as from independent agents in Bethel, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

We just presented a lot of techniques to lower your car insurance rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small local company. Smaller companies may only write in your state and offer lower rates compared to the large companies like .