Techniques for Lowering Your Huntersville Auto Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not the only one. Companies like GEICO, Farmers Insurance and State Farm continually hit you with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.

Consumers need to do rate comparisons every six months due to the fact that insurance rates change quite often. Just because you had the best deal a year ago there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance online, so by reading this article, you’re going to learn some great ideas on how to put money back in your pocket.

If you have insurance now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Finding affordable coverage in Huntersville is not rocket science. North Carolina vehicle owners only need to know the proper methods to compare company rates online.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the rating factors that play a part in calculating auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

Shown below are a few of the “ingredients” that factor into prices.

More performance means more cost – The performance level of the car you drive makes a huge difference in how high your rates are. Small economy passenger models usually have the lowest rates, but other factors influence the final cost greatly.
More people means more accidents – Residing in less populated areas has it’s advantages when talking about auto insurance. Lower population means a lower chance of having an accident. City drivers have congested traffic and longer commutes to work. More time commuting can result in more accidents.
Your car’s features help determine rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
Pay less after the wedding – Having a spouse helps lower the price on auto insurance. Having a spouse means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.

Quick Huntersville Auto Insurance Quotes

All the larger auto insurance companies allow you to get price estimates online. Getting quotes is quite easy as you simply enter the coverage amounts you desire into a form. When complete, their rating system obtains reports for credit and driving violations and quotes a price based on many factors. Online quotes makes comparing rates easy, but the time it takes to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you want to find the lowest auto insurance rates.

A less time-consuming method to find better auto insurance pricing makes use of a single form that analyzes rates from a bunch of companies at once. The form is fast, eliminates form submissions, and makes online quotes a lot less work. After sending your information, it gets priced and you can choose any one of the returned quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-84.jpg" alt="Huntersville insurance quotes” />

To compare pricing, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you copy just like they are on your policy. This way, you will be getting comparison quotes for exact coverage.

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

Consumers in North Carolina get pounded daily by advertisements for the lowest price auto insurance by Progressive, Allstate and GEICO. All the companies have a common claim that you’ll save big after switching to their company.

But how can every company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. An example of a profitable customer might be profiled as a mature driver, has no tickets, and has a short commute. A driver who fits that profile will get the preferred rates and therefore will save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will be quoted a higher premium which leads to business not being written. The ads state “customers who switch” not “people who quote” save that kind of money. That’s why companies can advertise the way they do.

This emphasizes why drivers should quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest rates.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but a few need to be asked for in order for you to get them. If you aren’t receiving every discount available, you are throwing money away.

Drivers Education – Have your child complete a driver education course if offered at their school.
Accident Waiver – Some insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Auto/Home Discount – If you have multiple policies with one company you may earn up to 20% off your total premium.
Safety Course Discount – Taking a course in driver safety can save you 5% or more if your company offers it.
New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will cut the amount you have to pay.

To choose insurers with discount auto insurance rates in Huntersville, click here.

More information is available on the website for the North Carolina Department of Insurance through this link. North Carolina consumers can learn about specific coverages, file complaints about a company, and read industry bulletins.

Smart shoppers get results

Lower-priced auto insurance is definitely available from both online companies and also from your neighborhood Huntersville agents, so you should compare both so you have a total pricing picture. Some auto insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered some good ideas how to lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the best prices are with some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.