Trying to find more competitive auto insurance rates in Salisbury, NC? Salisbury drivers have many options when trying to find low-cost car insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates and you need to know the quickest way to compare rates for a and obtain the lowest price.

It's hard to believe, but nearly 70% of customers have bought auto insurance from the same company for four years or more, and approximately 40% of consumers have never shopped around. Many consumers in Salisbury could cut their rates by up to 10% a year, but they don't invest the time required to shop around.

If you are already insured or are looking for a new policy, use these techniques to reduce premiums without reducing protection. These tips will instruct you on the most effective way to quote insurance and how you can save the most money. Smart shoppers just have to know how to shop for car insurance from many different companies online.

Car insurance companies offering affordable rates in North Carolina

The companies in the list below have been selected to offer comparison quotes in Salisbury, NC. If more than one company is shown, it's a good idea that you visit several of them to find the cheapest car insurance rates.

Insurance Rates for Popular Vehicles in Salisbury
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $838 $419 $70
Chevrolet Silverado LT Crew Cab 4WD $1,030 $515 $86
Dodge Grand Caravan CV $688 $344 $57
Dodge Ram Quad Cab SLT 4WD $936 $468 $78
Ford Escape XLT 4WD $766 $383 $64
Ford F-150 Lariat Crew Cab Platinum 2WD $1,074 $537 $90
Ford Focus SE 4-Dr Sedan $826 $413 $69
GMC Sierra SLE Regular Cab 2WD $644 $322 $54
Honda Accord EX 4-Dr Sedan $632 $316 $53
Honda CR-V EX-L 4WD $726 $363 $61
Honda Civic EX 2-Dr Coupe $926 $463 $77
Kia Optima EX $752 $376 $63
Nissan Altima 3.5 SR 4-Dr Sedan $734 $367 $61
Toyota Camry Hybrid $982 $491 $82
Toyota Corolla LE $826 $413 $69
Toyota RAV4 Sport 2WD $746 $373 $62
Volkswagen Jetta SEL 4-Dr Sedan $962 $481 $80
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific garaging location which can lower or raise insurance rates greatly.

Accidents and violations increase rates

The diagram below shows how violations and accident claims impact Ford Focus annual premium costs for different age categories. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Why informed consumers pay lower rates in Salisbury

Smart consumers have a good feel for some of the elements that play a part in calculating your premiums. If you know what determines premiums, this allows you to make educated decisions that could result in lower rates.

Save a ton on auto insurance with these discounts

Buying auto insurance is not cheap, but you might already qualify for some discounts to help offset the cost. Some discounts apply automatically at quote time, but once in a while a discount must be inquired about before you will receive the discount.Save money with discounts

Remember that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that it's possible to get free car insurance, nobody gets a free ride. But any discount should definitely cut your policy premium.

Companies and their offered discounts can be read below.

If you need cheap Salisbury car insurance quotes, ask every company which discounts you qualify for. Savings might not be available to policyholders in your state. If you would like to view providers with discount auto insurance rates in Salisbury, follow this link.

Drivers who switch save $401 a year? Really?

Consumers can't get away from all the ads for cheaper insurance from the likes of GEICO, State Farm and Progressive. They all make the same claim that you'll save big if you just switch to their company.

How is it possible that every company can charge less that you're paying now? This is the trick they use.

Many companies quote the lowest rates for the type of customer that earns them the most money. A good example of this type of risk profile should be a married female, has other policies, and does not commute to work. A driver that hits that "sweet spot" will most likely get cheap prices and will save a lot on Salisbury insurance if they switch.

Potential customers who do not meet these standards will see higher premiums which translates to the prospect going elsewhere. If you listen to the ad wording, they say "drivers that switch" not "all people who quote" will save that much if they switch. This is how companies can make claims like that.

This illustrates why drivers must compare as many free Salisbury car insurance quotes as you can. It is just not possible to predict which insurance company will have better rates than you're paying now.

Best and worst vehicle claim statistics

Which makes and models have the most claims? The following statistics show the worst and best vehicle makes and models for likelihood of filing claims for each type of coverage.

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Bentley Continental GTC
Infiniti QX50 Mercedes-Benz S Class
Nissan Xterra Bentley Continental GT
Volvo V60 Audi S7
Nissan Leaf Maserati Quattroporte
Chevy Silverado 2500 BMW M6

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Ferrari 458
Ford F-150 SuperCrew Bentley Continental Flying Spur
Nissan Xterra BMW 6 Series
Jeep Wrangler Bently Continental GTC
GMC Canyon BMW M6
Smart ForTwo Audi RS7

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Chevrolet Impala
Acura MDX Kia Optima
Chevrolet Corvette Hyndai Accent
Fiat 500 Kia Rio
Subaru Forester Chevrolet Cruze
Volvo XC60 Dodge Charger

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Chrysler 200
Ford Expedition Chevrolet Spark
Ford F-350 SuperCrew Chevrolet Sonic
Audi A4 Allroad Hyundai Accent
Chevrolet Silverado 3500 Nissan Versa
Chevrolet Corvette Kia Forte

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Cover all your bases

Drivers leave their current company for any number of reasons including not issuing a premium refund, questionable increases in premium, delays in responding to claim requests and even high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company can be easy and end up saving you some money.

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford.

In this article, we presented many ideas to find cheaper coverage online. It's most important to understand that the more quotes you get, the better your comparison will be. Drivers may even discover the most savings is with a company that doesn't do a lot of advertising.

Additional information can be found at the links below