Dobson Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of auto insurance companies in Dobson? Lot's of other consumers are too. Drivers have so many options available that it can turn into a ton of work to find lower rates.

It's important to compare prices at least once a year because prices are constantly changing. Even if you think you had the best deal a couple years back you may be paying too much now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Buying affordable auto insurance in Dobson is simple if you know the tricks. Essentially every driver who carries auto insurance should be able to save money. Although North Carolina drivers do need to know how insurance companies market insurance on the web and take advantage of how the system works.

How to Compare Dobson Auto Insurance Costs

Performing a rate comparison can take time and effort if you don't know the most efficient way to do it. You could spend your day driving to local insurance agents in Dobson, or you can utilize online quotes to get the quickest rates.

All the larger companies enroll in a system that enables customers to submit one quote, and each participating company then gives them pricing determined by their information. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is you don't know exactly which companies to receive prices from. So if you want to select specific providers to receive pricing from, we put together a list of low cost auto insurance companies in North Carolina. Click here to view list.

It's up to you how you get prices quotes, just compare apples-to-apples coverage limits on every quote you get. If your comparisons have differing limits it will be next to impossible to determine which rate is truly the best in Dobson. Having just a slight variation in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding better pricing.

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Men are more aggressive - Statistics demonstrate women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Women and men cause accidents at about the same rate, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.
Safer occupants lowers premiums - Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
Do you need those extra coverages? - There are quite a few extra coverages that you can buy on your auto insurance policy. Things like personal injury protection, towing coverage and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money remove them from your policy.
One company can mean more discounts - Some auto insurance companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to shop around to ensure the best deal. Drivers may still find a better deal by insuring with multiple companies.
Don't skimp on liability - Your policy's liability coverage provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Discounts for married couples - Being married helps lower the price on your auto insurance policy. It means you're more responsible and it's statistically proven that being married results in fewer claims.
Where you reside plays a part - Choosing to live in a rural area can be a good thing when insuring your vehicles. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Some discounts apply automatically when you quote, but some must be asked about before you get the savings.

Save over 55 - Older drivers may receive better auto insurance rates.
Drive Less and Save - Low mileage vehicles can qualify you for better rates on cars that stay parked.
Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Multiple Cars - Having all your vehicles on one policy could earn a price break for each car.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy online.
No Charge for an Accident - Some insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.

A little note about advertised discounts, most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

For a list of companies with discount auto insurance rates in North Carolina, click this link.

Additional information is available on the North Carolina Department of Insurance website through this link. North Carolina consumers can learn about insurance regulations, find disaster information, and discover disciplinary actions.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Dobson.

Final considerations

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There are many occasions where an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate.

The cheapest auto insurance is attainable online and also from your neighborhood Dobson agents, and you should be comparing both to have the best selection. Some auto insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

You just read some good ideas how to lower your auto insurance rates. It's most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising.