North Carolina auto insurance for savvy drivers
It’s easy to be a savvy consumer when reviewing your options for North Carolina auto insurance. Our online approach makes finding your best fit simple and fast, without time consuming phone calls and personal interviews. Let us do the hard work. All you have to do is enter a little information and you’ll have what you need in a flash.
First, though, you must keep in mind that premium prices are set on the basis of risk. If a carrier thinks you are a lower risk driver, you will always pay less than someone who is considered high risk. Higher risk drivers have more accidents and file more claims. When companies must pay out a claim, it costs them.
Lower your auto insurance risk profile
That’s why it is important for you to lower your risk profile. For example, if you have a poor credit rating, it works against you. Improve it before you send in an application. If you are used to filing a claim for every little dent, think about what it might be doing to your risk profile and if it is worth it. Your claim history is an important part of how companies look at your risk. The same is true of your driving record. If you have had moving violations in the past few years, carriers won’t look as kindly upon your application than it would if your record was cleaner.
There are some things you can do to lower your risk profile. First, you should load up on safety options when you buy a new car. The more safety features, the better. Because they protect driver and passengers from injury, they do lower your risk and that makes them qualify for discounts. It’s one reason new cars are cheaper to cover than older ones, even though it may seem like the old wrecks should cost less to cover.
Auto insurance premium discounts
Taking a mature driver course can also make a difference when it comes to the cost of your premium. It’s been documented that older drivers tend to react more slowly on the road, which is not a good thing in a driving emergency. That fact alone makes them higher risk customers.
A few other things count when it comes to pricing coverage, including a clean credit record, a good driving record, and very few prior claims. You are also considered lower risk if you own your own place.