Free Guide to Cutting Costs on Salisbury Auto Insurance Online

Have you had enough of being strong-armed each month for car insurance? You are no different than millions of other consumers. Numerous battle for your hard-earned dollar, so it's not easy to compare every to find the absolute lowest price

It's important to check auto insurance prices once or twice a year because prices are constantly changing. Just because you found the lowest price a couple years back you can probably find a better price now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to find the best coverage while lowering your premiums.

What determines how much you pay?

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are a partial list of the pieces companies use to determine rates.

Women pay lower rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both are in accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Being married is a good thing - Having a wife or husband can get you a discount on auto insurance. It is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
Liability coverage protects you - Liability coverage will protect you if ever a court rules you are at fault for damages from an accident. Liability provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, vandalism, and rolling your vehicle. The deductibles are how much you are required to spend before a claim is paid by your company. The more you're willing to pay, the less your company will charge you for insurance.
Careful drivers pay lower rates - Your driving citation history impacts your car insurance rates tremendously. Just one citation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to keep their license.
Lower miles equals lower premium - Driving more miles every year the more you will pay for auto insurance. Most companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.

These discounts can lower your rates

Companies don't always advertise all their discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If they aren't giving you every credit available, you are paying more than you should be.

Save over 55 - If you're over the age of 55, you may be able to get reduced rates.
Payment Method - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
Organization Discounts - Participating in certain professional organizations may earn a discount on auto insurance.
Homeowners Pay Less - Owning a house in Salisbury can save you money due to the fact that maintaining a home shows financial diligence.
Good Students Pay Less - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

To choose companies who offer auto insurance discounts in Salisbury, click here.

Are you falling for claims of savings?

North Carolina consumers can't ignore all the ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings after switching to them.

How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of driver that makes them money. For instance, a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everybody who quotes" save money. That's why companies can truthfully advertise the way they do. Because of the profiling, you should compare many company's rates. It's impossible to know the company that will provide you with the cheapest rates.

More North Carolina auto insurance information

Even more information is located at the North Carolina Department of Insurance website. North Carolina consumers can learn about insurance regulations, view a list of available companies, get help finding coverage, and find out which companies have the most complaints.

And the best car insurance company is...

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest price.

Cheap auto insurance can be sourced online and with local Salisbury insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.