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For people considered a high risk driver in North Carolina they can expect to pay more in car insurance premiums. You may be classified as a high risk driver if you are a young, inexperienced driver, or if you’ve accumulated a lot of citations or have been caught driving under the influence of alcohol. Although people who fall into any of these categories may find it impossible to secure affordable car insurance in North Carolina, there are things they can do that will help lower the cost.
Driving courses are a great resource when it comes to saving money on car insurance. For young drivers, taking a driver’s training course can mean a substantial savings on car insurance premiums. The same is true for someone who has been cited for reckless driving. For them, enrolling in a defensive driving course should help them get more affordable car insurance.
Many people who aren’t viewed as high risk drivers want to find ways to lower their car insurance costs as well. This can be done any number of ways. One is to buy your car insurance from the same company that sold you your homeowner’s insurance or life insurance policy. Insurance companies always want more business and as such they often offer discounts to any client who buys multiple policies from them.
You can also save on your car insurance costs in North Carolina by having a car alarm installed. This not only brings your insurance costs down, but it ensures your vehicle is safer too. If you have a garage that you can park in each night, this also is viewed as a plus by the car insurance company, and they’ll reward you with a lower annual premium.
Be careful how you pay your premiums as this can drive the cost up. Service charges are often added to frequent payment plans. This means that if you want to pay for your car insurance each month instead of once a year, you’ll be paying more.