Would you like to stop overpaying and find cheaper insurance rates in Clemmons, NC? Finding budget quotes can seem to be rather difficult for consumers who are beginners to quoting and comparing and buying insurance on the web. When there are so many companies competing online, how can consumers have a chance to compare every insurance company to find the lowest price available?

Shocking but true, almost 70% of drivers kept their policy with the same company for over three years, and virtually 40% of consumers have never compared insurance rates at all. North Carolina consumers could save up to 10% each year, but they won't spend time to compare other rate quotes.

If you have insurance now, you will be able to get lower rates using the concepts you're about to learn. Comparison shopping for cheaper car insurance in Clemmons can be fairly easy. But North Carolina car owners benefit from understanding the methods companies use to price online insurance and take advantage of how the system works.

Cheap Clemmons insurance price quotes

When comparison shopping, there are several ways to compare rate quotes from companies that offer insurance in North Carolina. One of the best ways to lower the rate you pay for insurance consists of obtaining rate quotes online. Keep in mind that comparing a large number of companies increases the chance that you will find more affordable insurance. Not every company does online rate quotes, so you need to compare quotes from those companies as well.

The companies shown below provide price comparisons in North Carolina. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Clemmons
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $592 $296 $49
Chevrolet Equinox LTZ AWD $938 $469 $78
Chevrolet Malibu LT $804 $402 $67
Chevrolet Silverado LTZ Extended Cab 2WD $1,130 $565 $94
Dodge Ram Quad Cab Sport 2WD $886 $443 $74
Ford Escape XLS 2WD $744 $372 $62
Ford F-150 XL Regular Cab 2WD $814 $407 $68
Ford Focus SE 2-Dr Coupe $782 $391 $65
Ford Fusion SEL 4-Dr Sedan $938 $469 $78
Honda Accord LX-P 4-Dr Sedan $732 $366 $61
Honda CR-V EX 2WD $618 $309 $52
Honda Civic SI 2-Dr Coupe $776 $388 $65
Honda Odyssey EX $568 $284 $47
Hyundai Elantra SE Touring Station Wagon $770 $385 $64
Nissan Altima 2.5 S 4-Dr Sedan $912 $456 $76
Nissan Rogue SL 2WD $886 $443 $74
Toyota Camry SE $694 $347 $58
Toyota Corolla XLE $1,140 $570 $95
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific Clemmons garaging location which can modify rates substantially.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is how high should your deductibles be. The premium rates below help summarize the premium difference between low and high coverage deductibles. The first data table uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $168 $266 $212 $12 $64 $747 $62
Elantra Blue 4-Dr Sedan $168 $382 $250 $14 $74 $913 $76
Elantra GLS 4-Dr Sedan $192 $382 $250 $14 $74 $937 $78
Elantra SE 4-Dr Sedan $192 $382 $250 $14 $74 $937 $78
Elantra SE Touring Station Wagon $192 $324 $212 $12 $64 $829 $69
Get a Quote for Your Vehicle Go
Hyundai Elantra insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $104 $168 $212 $12 $64 $560 $47
Elantra Blue 4-Dr Sedan $104 $240 $250 $14 $74 $682 $57
Elantra GLS 4-Dr Sedan $118 $240 $250 $14 $74 $696 $58
Elantra SE 4-Dr Sedan $118 $240 $250 $14 $74 $696 $58
Elantra SE Touring Station Wagon $118 $204 $212 $12 $64 $610 $51
Get a Quote for Your Vehicle Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in specific location which can impact auto insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $19 more each month or $228 every year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 39 months between claims, you would save money if you elect the higher deductible.

Insurance premiums for males and females

The example below visualizes the comparison of car insurance costs for male and female drivers in Clemmons. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no other discounts are factored in on a Chevrolet Tahoe LTZ.

Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Rate difference between full and liability-only coverage

The example below illustrates the comparison of Toyota Camry insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The rate quotes are based on a clean driving record, no claims, $500 deductibles, single male driver, and no additional discounts are factored in.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision

There is no definitive guideline that works best for making the decision to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's assume your Toyota Camry settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying over $500 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some cases where only buying liability is not recommended. If you haven't satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Discount Clemmons auto insurance rates

Companies offering auto insurance don't list all available discounts very clearly, so the following is a list of a few of the more well known and the more hidden credits available to bring down your rates.Save money with discounts

A quick disclaimer, some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, nobody gets a free ride.

Large auto insurance companies and a partial list of their discounts include:

If you need affordable Clemmons auto insurance quotes, ask every company what discounts are available to you. Depending on the company, some discounts might not be offered in Clemmons. To see a list of providers who offer discounts in Clemmons, click here.

Informed drivers save more

Lots of factors are used when pricing auto insurance. Most are fairly basic such as your driving history, but others are less apparent such as whether you are married or your vehicle rating. When buying car insurance it's important to understand a few of the rating criteria that help calculate your premiums. If you know what determines premiums, this enables you to make decisions that may reward you with lower car insurance prices.

Traffic violations are costly - Just one moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who get flagrant violations like DUI or reckless driving may find that they have to to complete a SR-22 with their state in order to drive a vehicle legally.

Better rates with anti-theft devices - Choosing a vehicle with an alarm system can earn a premium discount. Systems that thwart thieves like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

Rates are affected by your address - Choosing to live in a small town is a good thing when talking about car insurance. Fewer drivers translates into fewer accidents. Drivers in populated North Carolina areas tend to have traffic congestion and more time behind the wheel. Longer commute distances can result in more accidents.

Lower miles equals lower premium - The more you drive your car annually the more you'll pay to insure it. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos that sit idle most of the time cost less to insure than those used for commuting. Verify your car insurance declarations sheet correctly shows annual mileage, because improper ratings can cost you money.

Gals tend to be lower risk - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both tend to get into at-fault accidents at a similar rate, but the men cause more damage. Men also tend to get more serious tickets such as DWI and reckless driving.

Expect high rates for teens - Teenage drivers in North Carolina are statistically shown to be inattentive and easily distracted with other occupants in the car so they pay higher car insurance rates. Parents adding a teenage driver onto a policy can really hurt. Older, more experienced drivers have been proven to be more responsible, tend to cause fewer accidents, and receive fewer citations.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no cookie cutter policy. Your situation is unique.Insurance savings

Here are some questions about coverages that could help you determine whether your personal situation might need an agent's assistance.

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Claim statistics by make and model

Which makes and models have the fewest claims? The statistics below list the highest and lowest vehicle makes and models for the overall chance of filing claims organized by coverage.

Liability Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Fiat 500 Chrysler 200
Volvo XC60 Hyndai Accent
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Mitsubishi Lancer
Acura MDX Mitsubishi Mirage
Subaru Outback Kia Optima

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Maserati Granturismo
Nissan Xterra Bentley Continental GTC
GMC Sierra 2500 BMW M6
Chevy Silverado 2500 Porsche Panamera GTS
Ford F-350 Bentley Continental GT
Chevy Spark BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 3500 Mitsubishi Mirage
Chevrolet Silverado 2500 Hyundai Accent
Chevrolet Corvette Nissan Sentra
Ford F-350 SuperCrew Chevrolet Sonic
Audi A4 Allroad Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Collision Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Maserati Granturismo
Ford Edge Nissan GT-R
Mini Cooper Bently Continental GTC
Jeep Wrangler Maserati Ghibli
GMC Canyon Bently Continental GT
Ford F-150 SuperCrew Audi RS7

Statistics from IIHS.org for 2013-2015 Model Years

Tricks in auto insurance advertising

Big name companies like Allstate and Progressive constantly bombard you with ads on TV and radio. They all seem to tend to make the same promise of big savings if you switch your policy. How does each company offer you a better deal on auto insurance?

Insurance providers have specific guidelines for the type of driver that earns them a profit. A good example of a desirable insured may need to be over the age of 50, carries full coverage, and drives a lower-performance vehicle. A customer who fits those characteristics receives the best rates in Clemmons and therefore will save a lot on Clemmons auto insurance if they switch.

Insureds who cannot meet those criteria will be charged higher prices and this results in the customer not purchasing. The trick is to say "drivers who switch" but not "everyone who gets a quote" save that much money. That is how insurance companies can claim big savings. Different companies use different criteria so you really should get price quotes at each policy renewal. It's not possible to predict which auto insurance company will be your best fit.

You can find affordable coverage

There are still a few companies who may not offer internet price quotes and these regional carriers only sell through independent agencies. Budget-conscious car insurance is possible online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture.

People change insurance companies for many reasons like delays in responding to claim requests, high prices, not issuing a premium refund and questionable increases in premium. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

When getting Clemmons auto insurance quotes online, you should never buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

Even more information is available in these articles: