Are you overwhelmed by the wide range of insurance companies in your area? Lot's of other drivers are too. You have such a large number of options that it can easily turn into a challenge to find the lowest price. If you live there, you know that Elizabeth City is an awesome place to live, but finding the money to pay for insurance can make it very difficult to buy full coverage.
Regrettably, a large majority of drivers have purchased from the same company for well over three years, and practically 40% of insurance customers have never compared rate quotes at all. Most drivers in North Carolina can cut their rates by up to $90 a year by just comparing rate quotes, but they just don't understand how easy it is to shop their coverage around.
Companies offering competitive rate quotes in Elizabeth City, NC
The auto insurance companies shown below provide price quotes in North Carolina. If multiple providers are shown, we suggest you compare several of them to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 2WD||$866||$433||$72|
|Chevrolet Impala LTZ||$800||$400||$67|
|Chevrolet Silverado LS Regular Cab 4WD||$722||$361||$60|
|Dodge Ram Crew Cab Laramie 2WD||$752||$376||$63|
|Ford Edge Sport AWD||$1,038||$519||$87|
|Ford Escape XLS 2WD||$730||$365||$61|
|Ford F-150 SVT Raptor Super Cab 4WD||$880||$440||$73|
|Ford Focus S 4-Dr Sedan||$756||$378||$63|
|Ford Fusion SE 4-Dr Sedan||$1,074||$537||$90|
|GMC Sierra SLE Regular Cab 2WD||$756||$378||$63|
|Honda Accord LX-P 4-Dr Sedan||$560||$280||$47|
|Honda CR-V LX 2WD||$818||$409||$68|
|Honda Civic Hybrid 4-Dr Sedan||$954||$477||$80|
|Hyundai Elantra GLS 4-Dr Sedan||$906||$453||$76|
|Jeep Wrangler Rubicon 4WD 2-Dr||$748||$374||$62|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,202||$601||$100|
|Nissan Rogue S 2WD||$836||$418||$70|
|Toyota Camry XLE||$698||$349||$58|
|Toyota Corolla S||$1,046||$523||$87|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific garaging location which can decrease or increase coverage prices noticeably.
An analysis of deductible level
The chart below shows how different deductible levels and can affect Chevrolet Tahoe annual premium costs for different insured age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
Male drivers versus female drivers
The information below shows the comparison of insurance premiums for male and female drivers in Elizabeth City. The data is based on no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no other discounts are factored in on a Nissan Altima 2.5.
Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Get cheaper rates on car insurance with these five discounts
Some insurers do not advertise all possible discounts in a way that's easy to find, so the below list has some of the more common as well as some of the hidden discounts that may be available.
- Discount for Good Grades - Being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Claim Free - Drivers who don't have accidents have much lower rates compared to insureds who have frequent claims or accidents.
- Discounts for Multiple Vehicles - Buying insurance for several vehicles on a single policy can get a discount for every vehicle.
- Professional Organizations - Being in a professional or civic organization is a good way to get lower rates on your next car insurance statement.
- Drivers Ed for Students - Cut your cost by having your teen driver participate in a local driver's education class in high school.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it doesn't quite work that way.
To see a list of insurers who offer free car insurance quotes in Elizabeth City, click here to view.
Insurance can be complex
When it comes to coverage, there really is no perfect coverage plan. You are unique.
These are some specific questions may help you determine if you will benefit from professional help.
- Are combined or split liability limits better?
- How much can I save by bundling my policies?
- What are the best liability limits?
- Is my nanny covered when transporting my kids?
- Does my policy cover me when driving someone else's vehicle?
- How does medical payments coverage work?
- What is motorclub and do I need it?
- Is pleasure use cheaper than using my vehicle to commute?
- When can I cancel my policy?
- Are there companies who specialize in insuring high-risk drivers?
If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Insurance coverage basics
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision coverage - This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like rolling your car, crashing into a building, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to bump up the deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision - Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Liability coverages - This protects you from damage that occurs to other people or property that is your fault. It protects you against other people's claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 30/60/25 that translate to a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for claims such as attorney fees, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible. North Carolina state minimum liability requirements are 30/60/25 but drivers should carry more coverage.
UM/UIM Coverage - This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your vehicle.
Because many people only purchase the least amount of liability that is required (North Carolina limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, prosthetic devices, rehabilitation expenses and funeral costs. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible
Shop smart and save
As you restructure your insurance plan, it's not a good idea to skimp on coverage in order to save money. In too many instances, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.
We just showed you quite a bit of information on how to save on auto insurance in Elizabeth City. It's most important to understand that the more price quotes you have, the better chance you'll have of finding low cost Elizabeth City auto insurance quotes. Consumers may even find the best price on auto insurance is with a small mutual company.
Insureds leave their current company for a variety of reasons including denial of a claim, unfair underwriting practices, questionable increases in premium and even being labeled a high risk driver. Whatever your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.