While you have to get insurance because it’s the law, when you try to get the best car insurance in North Carolina you may want to employ methods that can help you lower your premiums. So, what can you do to you pay less in premiums each month? Here are some crucial tips:
Get the minimum protection available.
The law in North Carolina compels you to get minimum coverage of $30,000 for bodily injury for each person. The minimum total is $60,000 for bodily injury for everyone involved in an accident. For property damage, the minimum is $25,000. So, just get these limits. Don’t even think of getting comprehensive insurance.
Buy a used car.
They’re cheaper, so that means lower payouts from the insurance company. That also means lower premiums for you.
Improve your credit rating.
Your credit score is a huge clue as to your character. Basically, someone who’s financially responsible tends to be a responsible driver too.
Since insurance companies tend to charge people who are more likely to be involved in accidents, it’s to your advantage if you seem mature and responsible. Don’t live beyond your means and don’t use your credit card irresponsibly.
Enroll in a defensive driving class.
Doing this won’t just help you become a better driver. It also usually compels your insurance company to offer you a discount. By coming to this decision, you prove you want to be a safe driver. By completing the course, you actually become a low risk driver.
Clean up your driving record.
If you’ve been issued tickets and it’s on your record, your premium costs will go up. Try to see if you can have citations removed from your record by attending special driving courses or doing community work.
Don’t drive too often.
Insurance companies like it when you drive less. That’s because you’re less likely to get into an accident. So you may want to join a carpool or refrain from too many cross-country trips on your car. By reducing your mileage for the year, you can enjoy substantial discounts for your premiums.
Pay for premiums in advance.
You may get a discount right away if you pay for 6 months of premiums in advance, instead of paying each month.
Shop for better insurance rates each year.
The insurance industry is a cutthroat business. Insurance companies attract new customers with lower rates. Meanwhile, they may surreptitiously increase rates each year because many find it too bothersome to switch. So, every year, just take the plunge and check for better offers from other insurance companies.
Other factors that affect premiums, such as your age, may be beyond your control. But by following these tips, you can do your part in reducing your monthly insurance rates.