Asheville, NC Car Insurance Buying Tips You Aren’t Supposed to Know

Finding cheap Asheville car insurance over the internet is challenging for consumers new to comparison shopping online. Since there are so many online companies available, how can you even start to compare the different rates to find the cheapest available price?

If you have a current car insurance policy or are looking for a new policy, you can learn to shop for the lowest rates and still get good coverage. Finding cheaper car insurance coverage in Asheville can be fairly easy. North Carolina consumers only need to know how to get comparison quotes online.

Asheville Car Insurance Comparisons

All the larger car insurance companies provide price estimates on their websites. Obtaining pricing is quite simple as you simply type in your coverage preferences into a form. When the form is submitted, their system automatically orders credit information and your driving record and gives you a price quote.

Online quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

Isn’t there an easier way to compare rates?

The preferred way to locate the lowest prices utilizes a single form that gets prices from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable. Once the form is submitted, it is rated and you can choose any of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process only takes a few minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you type in coverages and limits exactly as they are listed on your policy. This makes sure you will receive comparison quotes using the same coverage and limits.

Don’t overlook these discounts

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few must be asked about before being credited. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Low Mileage – Keeping the miles down could be rewarded with a substantially lower rate.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. But any discount will help reduce the cost of coverage.

To see a list of insurance companies who offer car insurance discounts in North Carolina, click here to view.

More information can be read on the North Carolina Department of Insurance website through this link. Consumers can find out which companies have the most complaints, view a list of available companies, and file complaints about a company.

North Carolina insurance ad

One last thing

Cheaper car insurance can be sourced both online as well as from independent agents in Asheville, so you should compare both to have the best rate selection. Some companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented a lot of techniques to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a lesser-known regional company.

Drivers switch companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, lack of trust in their agent or even policy cancellation. It doesn’t matter what your reason, finding a new company is easier than you think.