Easy Methods to Save Money on Raleigh Auto Insurance

Are you overwhelmed by the number of auto insurance options in Raleigh? Many other drivers are as well. You have so many choices that it can turn into more work than you anticipated to find better rates.

How much can you save with discounts?

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Certain discounts will be applied when you quote, but some must be asked for prior to getting the savings. If you're not getting every credit possible, you are throwing money away.

  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Low Mileage Discounts - Keeping the miles down can qualify you for a substantially lower rate.
  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

Keep in mind that some of the credits will not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn't work that way. But any discount will bring down the amount you have to pay.

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Save 15 percent in 15 minutes? Is it for real?

Mississippi consumers get pounded daily by advertisements that promise big savings by State Farm, Allstate and GEICO. They all have a common claim that you can save if you move to their company.

How does each company make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the savings.

This emphasizes why you should get a wide range of price quotes. It's impossible to know which auto insurance company will give you the biggest savings.

More information is available on the Mississippi Insurance Department website located here. Mississippi consumers can view a list of available companies, find disaster information, and get help finding coverage.

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And the best car insurance company is...

Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, unfair underwriting practices and even an unsatisfactory settlement offer. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

Affordable auto insurance is possible online and also from your neighborhood Raleigh agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.