We know you don’t want to spend more than you have to on your auto insurance.
So you’re likely to be on the lookout for the cheapest auto insurance Raleigh, NC can offer. Here are our top tips for scoring cheap insurance rates.
Choose a High Deductible
The higher you set your deductible, the less there will be to pay up front. This is a really easy way to lower your premium, but it’s definitely not without risk.
If you are responsible for an accident, you’ll pay a much larger share of the costs before your insurance company steps in to pick up the rest. That could easily wipe out any savings you make on your premium.
Unfortunately, it’s impossible to predict whether that will actually happen – it’s up to you to decide whether the risk is worth the reduction in premium.
Make Auto Insurance Raleigh, NC Cheaper With Gadgets
The cheapest auto insurance Raleigh, NC has available might be a pay-as-you-drive policy. This type of policy can save you up to 30% on your premiums, depending on your driving style.
Auto insurers monitor your mileage, driving habits and speed through electronic devices attached to your car. This means that if you’re a careful driver, your premium should be reduced.
Or if you don’t drive your car all that much, it’ll help you pay a proportionate price to your actual use.
You might also be able to secure a cheaper deal by having anti-theft or safety features installed on your car. Though you will have to think about whether the initial cost justifies the insurance savings.
Is Comprehensive Coverage Worth It?
Most people want at least liability coverage when driving – and most states require that you have this. This is the type of coverage that pays out to cover the cost of any damage or injury you cause to someone else or their property.
But keep in mind that buying comprehensive coverage to protect your own car might not be worth it if your car is an older model or not worth much.
That raises another point – if you are not in the greatest financial shape and your insurance is really squeezing your budget, you could consider trading in your car for an older model. Not only will it raise some cash, it’ll bring down your premium too.
Can You Bundle Your Insurance Together?
You might find that you can wrangle the cheapest auto insurance Raleigh, NC can provide by bundling your homeowner’s insurance with your auto policy.
Or perhaps you can save yourself a few bucks by insuring multiple cars in one policy. It’s always worth asking – though you might want to check a few quotes first to see if bundling actually makes a difference.
The Cheapest Auto Insurance Raleigh, NC Offers Is Subject to Change
Just because you currently have cheap auto insurance in Raleigh, NC that doesn’t mean it’ll be the best deal forever.
Keep an eye out for better deals, and regularly get quotes to see if you can beat your current price.