Free Guide to Spending Less for Pfafftown Car Insurance Online

Scraping up a payment for overpriced car insurance can take a big chunk out of your checking account and put a big crunch on your finances. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Consumers have many to pick from, and although it's a good thing to be able to choose, it can be more difficult to compare rates.

It's important to compare rates on a regular basis due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago there is a good chance you can find better rates now. Don't believe everything you read about car insurance on the internet, so we're going to give you some great ways to reduce your car insurance bill.

Shopping for affordable protection in Pfafftown is easy if you know what you're doing. Essentially anyone who is required by state law to have car insurance will be able to lower their premiums. But North Carolina consumers do need to know how insurance companies compete online because it can help you find the best coverage.

You have some control over your rates

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Knowing what controls the rates you pay enables informed choices that can help you get big savings.

Discounts for multiple policies - Many insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal.
Having a spouse can save you money - Having a wife or husband can get you a discount on car insurance. Marriage means you're more mature than a single person and it's statistically proven that married drivers get in fewer accidents.
Teen drivers pay high rates - Youthful drivers in North Carolina are known to be less responsible when driving so they pay higher car insurance rates. Having to add a teen driver to your car insurance policy can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
Your location is important - Residing in less populated areas has it's advantages when talking about car insurance. Urban drivers regularly have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
More miles equals more premium - Driving more miles in a year's time the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Occupations like judges, social workers and financial analysts tend to have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, jobs such as pilots, engineers and performers receive lower rates.

Pfafftown Car Insurance Prices Online

Effectively comparing car insurance prices can be a lot of work if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in Pfafftown, or you can utilize online quoting to get prices fast.

Most of the larger companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The single downside to using this type of system is you don't know exactly which providers you want to price. So if you want to choose specific insurance companies to receive pricing from, we have a page of low cost car insurance companies in North Carolina. Click to view list.

Whichever method you choose, ensure you are comparing identical coverage information on every quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to make a fair comparison in Pfafftown. Slightly different insurance coverages may result in a large different in cost. Just remember that getting more free quotes helps you find the best offered rates.

Don't pay full price with these discounts

Car insurance is not cheap, but there could be available discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but a few must be manually applied before they will apply.

Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
E-sign - A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
Resident Student - Youth drivers who are attending college and do not have access to a covered vehicle 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.
Own a Home - Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
Organization Discounts - Being a member of a qualifying organization may earn a discount on your policy.
Low Mileage - Fewer annual miles could be rewarded with a substantially lower rate.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Air Bag Discount - Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.

Consumers should know that some credits don't apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will bring down your premiums.

To choose providers who offer car insurance discounts in North Carolina, click here.

The car insurance bait and switch

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads have a common claim that you'll save big after switching to their company. How does each company claim to save you money?

All the different companies have a preferred profile for the driver that makes them money. For instance, a preferred risk might be over the age of 50, insures multiple vehicles, and has a short commute. Any driver that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Consumers who don't measure up to these standards will be charged higher rates and this can result in the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that much. This is how companies can make the claims of big savings.

That is why you need to get as many quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

Much more information about car insurance in North Carolina is located on the website for the North Carolina Department of Insurance through this link. Visitors are able to read consumer alerts, get help finding coverage, read enforcement actions against agents and companies, and view agent and company licensing information.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Pfafftown agent directory.

Final considerations

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. Too many times, drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Discount car insurance can be bought both online and also from your neighborhood Pfafftown agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.