Many people in North Carolina don’t realize that if they already have an automobile insurance policy that it will cover a new car. This coverage is restrictive and only lasts for thirty days, but it’s certainly good to know this when you want to bring the car home from the car dealership. You should always contact your agent as soon as possible so they can rewrite the policy to reflect your new addition.
Whether it is a new car or a used car that you purchase, you will still want the same thing when it comes to automobile insurance and that’s the lowest price. In order to get the best rates on automobile insurance in North Carolina you need to have a thorough understanding of all the available discounts. These discounts can actually be quite significant and can help drive the cost of the policy down.
Some automobile insurance companies offer a renewal discount to their clients. If you currently have car insurance in North Carolina and are considering changing vendors because you want to find a better rate, ask about the renewal discount. You just need to contact the agent you are currently working with and inquire about this. It’s a good idea to do this at least two months before your policy expires as this will give you ample time to get quotes from their competitors.
You may also qualify for a safety discount. If your car has airbags this is seen as a benefit and it may automatically bring your rates down. Also, if the car is equipped with a security alarm this will deter would be car thieves. The same is true if you are fortunate enough to be able to park the car in a locked garage each night. Ask any prospective insurance agents about these discounts and what type of discount you’ll receive for qualifying.