In Burlington, NC, my auto insurance rates are increasing due to claims, how can I keep them down ?

Your insurance in Burlington, NC keeps rising due to a claim or two, making your premiums significantly higher than when you first got your auto insurance. You have a few ways to get around this issue so you aren’t waiting for a few years for your premiums to adjust back down to normal.

The first option is to talk to your North Carolina independent agent or Don Allred Insurance to determine whether you are eligible for discounts on your insurance rate. Some options for discounts include taking driver improvement courses to reduce the amount of points on your license if you received violations due to accidents, combine insurance policies with other family members, or add additional coverage such as renter’s insurance to a package.

Another way to reduce the amount you pay every month is to increase your deductible or drop your coverage down to a minimum. The advantage with the deductible change is that you won’t lower your coverage level, but the disadvantage is that you pay more in the event that you have a claim before the insurance company covers it. If you drop your coverage down to a minimum, you reduce your rates without touching your deductible but you are only covering the bare bones amount that North Carolina requires.

You may want to shop around other insurance companies to see if you have a lower rate available, if your current company is unable to help you with your needs. Sometimes switching to a completely new provider is the only way that you’re able to reset the rate climb.