Cutting costs on Chapel Hill auto insurance can seem to be challenging for people who are new to comparing rates online. Drivers have so many options that it can be a lot of work to find the best price in Chapel Hill.
You need to check auto insurance prices periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rates a year ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance on the internet, so by reading this article, you’re going to learn some great ideas on how to find affordable auto insurance.
How to Compare Chapel Hill Auto Insurance Rates
There are several ways to get quotes from auto insurance companies in your area. The easiest way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.
- The fastest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate forms for each company. A single, simple form gets you price quotes from auto insurance companies with the best prices. This is by far the quickest method.
- A slightly less efficient method to compare rate quotes requires you to visit each company’s website and request a quote. For instance, let’s assume you want rates from Progressive, Allstate and Travelers. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in Chapel Hill, click here.
It’s your choice how you get your quotes, but ensure you are comparing exactly the same information for every company. If the quotes have higher or lower deductibles it will be impossible to find the best deal in Chapel Hill. Quoting even small variations in coverages can make a big difference in price. Just keep in mind that getting more free quotes will increase your chances of finding better pricing.
Lower rates by qualifying for discounts
Car insurance companies do not list all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known auto insurance savings.
- Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
- Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when shopping for auto insurance.
- New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
To see a list of providers offering auto insurance discounts in Chapel Hill, follow this link.
Car insurance is unique, just like you
When choosing the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.
Here are some questions about coverages that might point out whether you might need professional guidance.
- Can I afford to pay high deductible claims out of pocket?
- Does my liability insurance cover pulling a trailer or camper?
- Can I still get insurance after a DUI?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is borrowed equipment or tools covered if stolen or damaged?
- Should I file a claim if it’s only slightly more than my deductible?
- Do I get a pro-rated refund if I cancel my policy early?
- How many claims can I have before being cancelled?
- Why does it cost so much to insure a teen driver in Chapel Hill?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.
More consumer information in North Carolina
More tips and info about auto insurance can be found at the North Carolina Department of Insurance website. Consumers can learn about insurance regulations, read industry bulletins, learn about specific coverages, and report car insurance fraud.