Looking for more affordable auto insurance rates in Rocky Mount, NC? If you are new to getting Rocky Mount auto insurance quotes online, it's easy to get confused thanks to the incredible selection local agents and online companies all advertising big savings.

It's hard to believe, but the vast majority of auto insurance customers renewed their policy with the same company for over three years, and about 40% of consumers have never even compared quotes to find affordable rates. With the average premium in North Carolina being $1,000, drivers could save themselves approximately $90 a year, but they underestimate the rate savings if they switched to a more affordable policy.

Consumers should take time to do price comparisons occasionally since rates are rarely the same from one policy term to another. Even if you got the best rate on auto insurance six months ago you can probably find a lower rate today. There are lots of tips to save on auto insurance out there, but by reading this article, you're going to learn a bunch of ideas how to lower your auto insurance bill.

Earn discounts on Rocky Mount insurance

Car insurance can cost a lot, but discounts can save money and there are some available that may help make it more affordable. Some discounts will apply at the time you complete a quote, but a few need to be requested specifically before you will receive the discount.Save money with discounts

It's important to note that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, it just doesn't work that way. Any qualifying discounts will definitely lower your policy cost.

To find insurers that offer many of these discounts in Rocky Mount, click this link.

All the larger auto insurance companies like Allstate, GEICO and Progressive make it easy to get insurance quotes from their websites. Obtaining pricing is possible for anyone as you just type in the coverages you want as requested by the quote form. When the form is submitted, their system orders information on your driving record and credit history and generates pricing information based on these factors.

This makes it a lot easier to compare rates and it's absolutely necessary to get many rate quotes if you want to get affordable auto insurance pricing.

To use this form to compare rates, compare rates now from the companies shown below. If you currently have coverage, we recommend you copy your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have rate quotes based on identical coverages.

The providers in the list below provide quotes in North Carolina. If the list has multiple companies, we recommend you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Rocky Mount
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $990 $495 $83
Chevrolet Silverado Crew Cab Hybrid 4WD $782 $391 $65
Dodge Ram Crew Cab Laramie 2WD $1,034 $517 $86
Ford Edge Sport AWD $834 $417 $70
Ford Escape Limited 2WD $502 $251 $42
Ford Explorer XLT AWD $616 $308 $51
Ford F-150 Lariat Crew Cab Platinum 4WD $920 $460 $77
Ford Focus SES 2-Dr Coupe $842 $421 $70
GMC Sierra SLE Crew Cab 2WD $852 $426 $71
Honda Accord EX 2-Dr Coupe $970 $485 $81
Honda CR-V LX 2WD $818 $409 $68
Honda Civic LX 4-Dr Sedan $1,018 $509 $85
Jeep Wrangler Rubicon 4WD 2-Dr $894 $447 $75
Kia Optima EX $838 $419 $70
Nissan Altima 3.5 SR 4-Dr Sedan $1,062 $531 $89
Nissan Rogue SL 2WD $1,012 $506 $84
Toyota Camry SE $820 $410 $68
Toyota Corolla LE $884 $442 $74
Toyota Tacoma 4WD $550 $275 $46
Volkswagen Jetta SEL 4-Dr Sedan $710 $355 $59
Get Your Own Custom Quote Go

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can modify coverage rates greatly.

Policy deductibles

The illustration below highlights how deductible selection and can raise or lower Dodge Ram premium costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Violations and accidents raise rates

The information below illustrates how speeding tickets and fender-benders can affect Ford Focus auto insurance rates for different age groups of insureds. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

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

Different people need different insurance coverages

When it comes to choosing a policy for your personal vehicles, there really is not a "best" method to buy coverage. Each situation is unique and your policy should reflect that.Higher deductibles save money These are some specific questions can aid in determining if your situation would benefit from professional advice.

If you can't answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Compare rates but work with a local Rocky Mount insurance agent

A small number of people just prefer to visit with an insurance agent and that is OK! The best thing about comparing insurance prices online is that you can find lower rates but also keep your business local. Buying from and supporting small agencies is definitely important in Rocky Mount.

Insurance agency in Rocky MountUpon completion of this form (opens in new window), the coverage information is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. You won't even need to search for an agent due to the fact that quote results will go immediately to your email address. You can find lower rates without the usual hassles of price shopping. In the event you want to compare prices from a specific insurance provider, you can always visit that company's website and fill out the quote form the provide.

Choosing an insurance company shouldn't rely on just a cheap quote. The questions below may impact your decision as well.

If you get good feedback to these questions and an affordable coverage quote, it's possible that you found an provider that is professional and can properly service your insurance policy.

Auto insurance claims by make and model

Which vehicles statistically have the most claims? The next tables list the best and worst vehicles for the overall chance of having claims for each type of coverage listed.

Car Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Quattroporte
Infiniti QX50 Bentley Continental GT
Chevy Spark Maserati Granturismo
Smart ForTwo Mercedes-Benz S Class
Volvo V60 Audi S7
Nissan Leaf BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Collision Claims
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Nissan GT-R
GMC Canyon BMW 6 Series
Nissan Xterra Bently Continental GTC
Ford F-150 SuperCrew BMW M6
Jeep Wrangler Maserati Ghibli
Ford Edge Maserati Granturismo

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Audi A6 Chrysler 200
Mercedes-Benz SL Class Mitsubishi Lancer
Chevrolet Corvette Dodge Charger
Subaru Forester Kia Rio
Subaru Outback Mitsubishi Mirage
Acura MDX Hyndai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 3500 Kia Forte
Land Rover Range Rover Sport Mitsubishi Lancer
Ford Expedition Chevrolet Spark
Chevrolet Corvette Chrysler 200
Audi A4 Allroad Nissan Sentra

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap coverage is out there

When buying insurance coverage, make sure you don't reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage and learned later that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

The cheapest auto insurance in Rocky Mount is possible online in addition to many Rocky Mount insurance agents, so you need to shop Rocky Mount auto insurance with both in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and most of the time these smaller companies provide coverage only through local independent agents.

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