Not all motorists of North Carolina care to take the time to find the cheapest rates for their auto insurance policy. They figure either those low rates don’t exist or it’s not worth spending their time looking for something that’s so hard to find. We at QuoteClix.com are here to tell the residents of North Carolina that it is possible to find the low rates, and we’ll show you how.

1. Look for low rates by collecting quotes.
Motorists who do not feel like searching for low rates do have a point; low prices for auto coverage don’t just pop out and say, “Here I am!” However, contrary to their belief, they aren’t exactly hidden away either. It does take time to find them, but not the kind of time imagined by people who feel it could take half or even all day long to discover. An easy and quick way to find cheap rates is by using the online quote tool which gathers quotes for a driver. Any driver can sit down and use the tool simply by entering in their zip code (in the white box found in the center of the homepage) and then answer the questions that appear. By answering these questions accurately, the applicant or motorist will be shown a list of quotes that can be applied to his or her new policy from local insurers. It is obvious that this way of collecting quotes is much faster than traditional methods of contacting insurers individually.

2. Compare quotes that are given.
After a North Carolina motorist has collected their quotes, they should compare those quotes to find the cheapest one offered. Our quote list makes this easy as the prices given are in a side by side format. Oftentimes, motorists find that there are two or more quotes being offered that differ from each other by only a few dollars. In these circumstances, the motorist may simply go for the best savings and choose the least expensive rate, but other drivers may choose to look further into the companies to not only get a low priced policy but the best company. Comparing the companies that are offering the quotes can help improve the experience as a whole by finding the right company to purchase coverage from.

3. Only carry coverage that is needed.
This one may seem unnecessary to mention, but it’s not. Some drivers don’t realize they are carrying coverage they don’t need, increasing the final cost of the policy. Of course residents of North Carolina need to carry at least a minimum of $30,000 in bodily injury liability per person and $60,000 per accident with $25,000 in property damage liability, which is the state requirement. But coverage options like comprehensive and collision aren’t necessary when the cash value of the vehicle is less than the coverage offered. Rental car insurance may not be necessary for every driver, nor is the towing option. Someone who has excellent healthcare coverage may not want to purchase medical coverage through their car insurance provider. Without paying attention to things like this, a policyholder may find themselves paying way too much for unneeded coverage. Assess specific needs of the driver and other members on the insurance policy before purchasing additional coverage is always helpful.

4. Use discounts for what they are and get lower premiums.
Don’t think there are only a few discounts offered and the chances of qualifying for even just one of them are slim. Usually a typical car insurance provider will offer a variety of discounts to their customers, and most drivers can take advantage of at least one of them. Almost always there are no limits on how many discounts a driver can get, so if you can’t get them all see which ones you can work towards getting in the future. To mention a few, discounts like the good student discount and good driver discount can lower premiums for students and responsible drivers with few to no tickets and accidents on their record. There are discounts offered when motorists take classes offered by the insurer that teach how to drive with more safety. Vehicles that are equipped with safety features are also available for lower rates.

5. Your deductible amount can alter your premium.
Drivers who choose to have a low deductible will end up paying more to insure their car. A deductible is the amount the policyholder is expected to pay before the insurer will pay the remainder of the bill. When a policyholder is contracted to pay a high deductible, the insurer will pay less than if the policyholder paid a smaller deductible. Because of this, the insurer will charge a driver with a high deductible less than a person with a low deductible. Learning little tidbits such as this can keep an insurance rate as low as possible. However, if a person doesn’t have enough cash on hand to pay a high deductible, this could cause a problem. Evaluate the possible situation and how it can be handled before committing to a deductible amount.

6. Don’t get behind on any payments or increase your debt.
Many insurers use a driver’s credit score to determine their final insurance rate, and drivers with low credit scores can pay more than a driver with a good credit score for the same policy. All kinds of people wonder how a credit score relates to a good driver, but insurers claim they have statistics that show a person with low credit is – in most cases – irresponsible, which can trickle over into their driving habits and skills. They feel it is permissible to charge more to insure a person who is irresponsible with their credit in the event they should have to payout for a claim. This extra charging can help balance out their money flow and still allow the insurer to be profitable.

Not everyone has the patience to look for low rates and do what’s necessary to get them, but it is possible to get those coveted cheap prices for automobile insurance. Cheap auto insurance in North Carolina is most easily attained with the help of online auto insurance, our quote comparison tool, and our expertise in saving money on car insurance.