Apex North Carolina Auto Insurance Buying Tips You Aren’t Supposed to Know

Have you fallen victim to high-priced auto insurance? Believe me when I say there are many Apex consumers feeling the pinch from expensive auto insurance. Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rate

If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to find the best rates and possibly find even better coverage. Finding affordable coverage in Apex is not rocket science. North Carolina drivers only need an understanding of the proper methods to compare price quotes over the internet.

Cut your premium with discounts

Car insurance companies don’t necessarily list every available discount very well, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you don’t get every credit available, you’re just leaving money on the table.

• Homeowners Pay Less – Simply owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
• Fewer Miles Equal More Savings – Fewer annual miles can earn discounted rates on garaged vehicles.
• Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
• Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
• Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
• Club Memberships – Affiliation with a civic or occupational organization could trigger savings on auto insurance.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
• E-sign – Some insurance companies give back up to $50 simply for signing digitally online.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.

Drivers should understand that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of providers offering auto insurance discounts in North Carolina, click this link.

What is the best insurance coverage?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine whether or not you will benefit from professional help.

• What can I do if my company denied a claim?
• When should my teen driver be added to my policy?
• Does my personal policy cover me when driving my company car?
• Do I pay less if my vehicle is kept in my garage?
• Does my car insurance cover rental cars?
• If my vehicle is totaled, can I afford another vehicle?
• Will my rates increase for filing one claim?
• Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Additional resources for North Carolina consumers

More tips and info about auto insurance can be found at the North Carolina Department of Insurance website. Consumers can read enforcement actions against agents and companies, discover disciplinary actions, view agent and company licensing information, and find disaster information.

Quote more, save more

You just learned a lot of information how to compare auto insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company. These companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.