10 Must-Know Tips When Buying Burlington Car Insurance

Saving money on Burlington car insurance can seem to be hard for consumers new to shopping for insurance online. You have so many options that it can turn into a challenge to find lower rates in Burlington.

It’s a good idea to take a look at other company’s rates at least once a year due to the fact that insurance rates change regularly. Just because you had the best deal six months ago you may be paying too much now. So forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the only way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you should be able to save some money using these techniques. This article will teach you the best way to quote coverages and some tips to save money. Although North Carolina drivers must learn the way insurance companies market on the web and use this information to your advantage.

Burlington Car Insurance Comparisons

The are a couple different ways to compare quotes from local in Burlingtoncar insurance companies. The easiest way by far to compare insurance prices is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

One of the simplest ways to find low rates would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating repetitive form entry for each company. Filling out one form will return quotes direct from many companies.It’s the quickest way to get rates.

A different way to find lower rates requires you to visit each individual company website to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Liberty Mutual, Progressive and GEICO. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

To view a list of companies in Burlington, click here.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits and deductibles for each price quote. If your comparisons have unequal deductibles or liability limits you can’t possibly make an equal comparison in Burlington. Just a small difference in coverage limits may result in large price differences. And when comparing car insurance rates, know that quoting more provides better odds of finding the best price.

Switch companies and save? Really?

Companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the ads say the same thing that you can save if you switch to their company. How do they all make almost identical claims? This is how they do it.

Different companies can use profiling for the driver they prefer to insure. For example, a preferred risk might be between the ages of 40 and 55, owns a home, and has a short commute. A propective insured who meets those qualifications receives the best rates and most likely will save when they switch companies.

Drivers who don’t measure up to this ideal profile will have to pay higher prices and this can result in business not being written. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the way they do. Because of the profiling, you should get quotes from several different companies. It’s impossible to know which insurance companies will provide you with the cheapest rates.

Verify you’re getting all your discounts

Companies offering auto insurance do not list every available discount very well, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

• E-sign – A few companies give back up to $50 simply for signing digitally online.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
• Multiple Cars – Having all your vehicles on the same car insurance policy qualifies for this discount.
• Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
• Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
• Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.

Keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

To choose companies with discount car insurance rates in North Carolina, click here to view.

More tips and info about car insurance can be read at the North Carolina Department of Insurance website. Visitors are able to read state legal mandates and laws, read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.

Other related articles:

• Professional Tips to Saving Money on Burlington Vermont Auto Insurance
• Follow These Proven Ways for Cheaper South Burlington, VT Auto Insurance

Do the work, save more money

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best price while still protecting your assets.

The cheapest car insurance is possible online and with local Burlington insurance agents, so compare prices from both so you have a total pricing picture. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Drivers change insurance companies for a number of reasons such as poor customer service, denial of a claim, extreme rates for teen drivers or even delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company is actually quite simple.