Do you suspect that you might be paying more for online car insurance quotes NC than you really need to? Don’t worry — most of the factors that determine your rates are well within your control. As such, there are several steps you can take towards alleviating the burden on your wallet.
Improve Your Driving…
The more cautious you are behind the wheel, the less chance of being involved in an accident. Or rather, being found at fault in the aftermath. That equates to less risk for your insurer and consequently, affordable coverage for you.
So make an effort to keep unnecessary citations and other blemishes off your record. Insurers will be more than happy to reward you with lower rates.
…And Your Credit Too
It’s not just your driving history that counts. A bad credit score can also present a roadblock when you’re shopping for auto insurance — unless you reside in Massachusetts, Michigan, California or Hawaii. These states bar insurers from setting rates based on one’s credit status.
According to a recent analysis, credit scores can influence auto insurance rates by as much as a few hundred each year. That’s a pretty meaty incentive to work on your credit, isn’t it?
Even with a stellar background, you should know better than to settle for the first quote that comes your way. Shop around and see if another company might be willing to offer a better deal. Check with both national carriers and the less-familiar regional insurers — you never know where the best deals could be hiding.
Thanks to the web, shopping for affordable auto coverage is as it’s easy as it’s ever been. There’re many tools that will let you obtain and compare online car insurance quotes NC from the comfort of your living room. The whole process shouldn’t take more than a few hours at most.
Check for Discounts
If you or someone in your close family is in the military, you might be able to get cheaper coverage through what’s known as an affinity discount — check if your insurer offers this scheme. Other ways to lower your rates include:
- Installing anti-theft and “black box” devices on your vehicle
- Taking additional classes to enhance your driving skills
- Bundling your auto and homeowner’s/renter’s policies under one carrier.
- Paying premiums in one annual lump-sum instead of monthly installments
Get in touch with your insurer and see what other discounts they have, and be sure to take advantage whenever your situation allows it.