Tom's Blog
When it comes to the wonderful world of auto insurance in North Carolina, there are so many auto insurance discounts, it will make your head spin. So how do you know you’re getting every auto insurance discount you deserve? Well, there are a few ways to know this, and we will walk you through all of them.
EDUCATE YOURSELF – You need to know which auto insurance discounts are even out there. You also need to understand that every insurance company has their own discounts that not all companies will have. However, to get your mind and eyes familiar with which discounts to look out for, here are the most common discounts that nearly all auto insurance companies in North Carolina offer…
- Multi-car
- Multi-policy (up to 25%)
- Claims free
- Anti-lock brakes
- Airbags
- Security system
- Mature driver (over 55 and clean driving record)
Some companies in North Carolina offer some less common discounts. For example:
- Good student (up to 15%)
- Snapshot
- Drivewise
- Daytime running lamps
- Seat belt use
- Military
- Going paperless
- Retired
- Policy paid in full
- Lojack
GET FAMILIAR WITH YOUR DECLARATION PAGE– Your current auto insurance policy has what is known in the industry as a dec page; it’s short for declarations page. This is where you can see the discounts that you already are getting. SOMETIMES YOU NEED TO ASK FOR THEM– In most cases, when you sign up for a new auto insurance policy in North Carolina, the agent, if they are a good agent, will check for you beforehand on all the discounts you qualify for with each carrier they quote you with. Moreover, this is also dependent on if you choose to use an independent agent (can quote you with multiple carriers) over a captive agent (can only quote you with 1 carrier). An independent agent can keep shopping the market for you until they find a company in their network that can offer you the most discounts.
GET A NEW INSURANCE QUOTE – Now that you know which discounts to look for, where to look for them at, and you now know how to ask for them, you’re golden, right? Well, not exactly. What if you still feel you aren’t getting the discounts you know you should qualify for, because your company just doesn’t offer any of the ones you are really wanting?
Get a new insurance quote from an expert independent insurance agent like the ones you can find at Paramount Insurance Agency. We have relationships with carriers from all over the country and will take the time to learn which discounts are most important to you. Then on top of that, we will go out and shop the market for you.
In addition to helping you find your desired discounts, we might be able to save you a boat load of money off your NC auto insurance rates too. Priceless!
While you’re checking to make sure you’re getting every auto insurance discount possible, there are some additional coverages to consider:
- New car replacement coverage
- Accident forgiveness.
There is typically an additional charge for these added benefits but in most cases, very minimal and worth looking into. Again, these coverages are not offered by all insurance companies. This is why you need a licensed North Carolina independent agent that can do the research for you and offer you the best options for your specific needs.
