8 Shopping Tips Shown to Slash the Cost of Car Insurance Costs in Granite Falls, NC

Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than most other car owners in North Carolina. Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to take a look at other company's rates once or twice a year since rates are constantly changing. If you had the best rates a couple years back you will most likely find a better rate today. There is too much inaccurate information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

Locating the cheapest car insurance coverage in Granite Falls can be fairly easy. If you are insured now or need a new policy, you can learn to find better prices while maintaining coverages. North Carolina vehicle owners just need to know the proper methods to shop their coverage around online.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about before they will apply. If you're not getting every credit available, you are throwing money away.

  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • College Student - Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Drive Less and Save - Keeping the miles down could qualify for a substantially lower rate.
  • Passive Restraints and Air Bags - Factory air bags may earn rate discounts of more than 20%.
  • No Accidents - Claim-free drivers pay less as compared to drivers who are more careless.

Drivers should understand that some credits don't apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will bring down your premiums.

Granite Falls car insurance comparison

Switch companies and save? Really?

Consumers in North Carolina get pounded daily by advertisements for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big if you move to their company.

How does each company claim to save you money? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. A good example of a desirable insured might be between 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Consumers who do not match these standards will have to pay higher rates and this can result in the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That's why companies can advertise the way they do.

Because of the profiling, 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

Much more information about car insurance in North Carolina can be read on the website for the North Carolina Department of Insurance. Click here for link. Visitors are able to learn about insurance regulations, download brochures, read industry bulletins, and read enforcement actions against agents and companies.

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And the best car insurance company is...

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price.

Budget-conscious car insurance is definitely available both online and also from your neighborhood Granite Falls agents, so compare prices from both to get a complete price analysis. Some car insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.