Methods for Lowering Your High Point, NC Auto Insurance Rates

Finding cheap High Point auto insurance on the internet is somewhat difficult for consumers not familiar with online price comaprisons. With a ridiculous number of insurance companies available, how can High Point drivers even start to compare them all to find the lowest price available?

You need to compare rates once or twice a year due to the fact that insurance rates change frequently. If you had the best deal a year ago other companies may now be cheaper. There is too much inaccurate information about auto insurance on the internet, so by reading this article, you’re going to learn some proven techniques to slash your auto insurance rates.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you quote, but less common discounts must be inquired about prior to receiving the credit.

• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
• Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
• Organization Discounts – Belonging to a civic or occupational organization could trigger savings when shopping for auto insurance.
• Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut the amount you have to pay.

To see a list of companies with the best auto insurance discounts in High Point, click here.

High Point Auto Insurance Comparisons

Comparing auto insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with local insurance agents in High Point, or you can utilize the web to get the quickest rates.

Many companies belong to a marketplace that allows shoppers to enter their policy data once, and each company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company. To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to using this type of system is you cannot specify the insurers to get quotes from. If you prefer to choose specific providers for rate comparison, we have a listing of companies who write auto insurance in North Carolina. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage limits and deductibles for each price quote. If you are comparing different limits and deductibles on each one it will be impossible to make an equal comparison in High Point. Quoting even small variations in coverages can make a big difference in price. Keep in mind that quoting more will enable you to find a better price.

What is the best insurance coverage?

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

• How high should my uninsured/underinsured coverage be in North Carolina?
• I don’t drive much so do I pay less?
• Do I need rental car coverage?
• When do I need to add a new car to my policy?
• Why am I required to buy high-risk coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Why am I required to get a high-risk car insurance policy?
• What discounts do I qualify for?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

More quotes mean more savings

Consumers switch companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, high prices or even denial of a claim. No matter why you want to switch, switching companies can be pretty painless.

Cheaper auto insurance can be purchased both online and with local High Point insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, never reduce coverage to reduce premium. There have been many situations where someone sacrificed liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.