If your goal is to keep your North Carolina auto insurance rate low, you will need to demonstrate to the company that you present a low risk for coverage purposes. One of the best ways you can do so is to maintain a clean driving record. Customers who do not have a history on the road that includes accidents and/or moving violations can qualify for preferred rates from car insurance companies.
New drivers are charged higher rates for their coverage due to lack of experience behind the wheel. A way to avoid overpaying for coverage during the first few years after being licensed is to complete an approved driver’s education program. A number of insurance companies offer discounts to customers who have taken the time to learn the proper way to operate a motor vehicle.
Reviewing the existing auto insurance policy at least once a year and getting quotes for coverage from several providers is another effective strategy for keeping rates down. Pricing can vary significantly between providers, even for the same type and level of coverage. Taking the time to get quotes is a good strategy, even if you are happy with your current insurance company. It’s possible that you will be able to get better rates by switching providers.
Many companies offer discounts to customers who insure more than one vehicle or who buy their home and auto insurance coverage from the same company. Other discounts may be offered to those who buy a policy online or who keep their annual mileage low.