Charlotte Auto Insurance For Less Than You're Paying Now

Finding the lowest price for Charlotte auto insurance can be complicated if you've never compared online quoting. Don't let that stop you because comparing prices is actually very simple.

Finding the best rates in Charlotte is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Nevertheless, Iowa vehicle owners do need to know the methods companies use to sell insurance online.

auto insurance in Charlotte

Are you getting all your discounts?

Companies offering auto insurance don't always list all available discounts very clearly, so the following is a list of some of the best known and the harder-to-find auto insurance savings.

  • Defensive Driver - Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Early Signing - Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
  • Good Student - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • New Vehicle Savings - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Drivers Education - Require your teen driver to enroll in driver's education in school.
  • No Claims - Good drivers with no accidents pay less when compared with frequent claim filers.
  • Auto/Home Discount - When you have multiple policies with one insurance company you may earn up to 20% off your total premium.

It's important to understand that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like it's possible to get free car insurance, it doesn't quite work that way.

For a list of insurers offering auto insurance discounts in Iowa, follow this link.

Vehicle Insurance Comparison

Most major insurance companies like 21st Century, Allstate and State Farm quote insurance quotes online. Getting online quotes doesn't take much effort as you just enter your personal and coverage information as detailed in the form. Once entered, their system will obtain information on your driving record and credit history and quotes a price based on these factors.

This makes it a lot easier to compare rates but having to visit several different sites and complete many quote forms is monotonous and tiresome. But it's very important to perform this step if you are searching for the best price on auto insurance.

A more efficient way to compare rates requires only one form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons a lot less work. Immediately after submitting the form, it is quoted and you can choose any one 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 purchase coverage. It can be completed in a matter of minutes and can result in significant savings.

To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you enter deductibles and limits exactly as they are listed on your policy. This helps ensure you will have rate comparison quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different.

For instance, these questions may help highlight whether you could use an agent's help.

  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Iowa minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?

If you don't know the answers to these questions, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form.

Do the work, save more money

Low-cost auto insurance is available on the web in addition to many Charlotte insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

In this article, we covered a lot of information how to get a better price on auto insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a lesser-known regional company.

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.