How many times have you put off comparing quotes for more competitive auto insurance rates in Garner, NC? Trying to find better insurance prices for a car in North Carolina can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to shop for auto insurance and you need to know the proper way to get price quotes for your and obtain the cheapest rates.

It is always a good idea to compare prices yearly since insurance prices change frequently. Just because you found the best deal on auto insurance on your last policy there is a good chance you can find better premium rates now. Don't believe everything you read about auto insurance on the internet, but I'm going to show you a lot of great tips on how to find cheap auto insurance in Garner.

Companies offering affordable prices in Garner, NC

The car insurance companies shown below can provide price comparisons in Garner, NC. If multiple providers are shown, we suggest you visit several of them in order to find the cheapest rates.

Insurance Costs for Popular Vehicles in Garner
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $792 $396 $66
Dodge Grand Caravan SE $708 $354 $59
Dodge Ram Crew Cab Sport 2WD $676 $338 $56
Ford Edge Limited 2WD $672 $336 $56
Ford Escape XLT 2WD $836 $418 $70
Ford F-150 XL Crew Cab 2WD $744 $372 $62
Ford Focus SEL 4-Dr Sedan $986 $493 $82
Ford Fusion Sport AWD 4-Dr Sedan $852 $426 $71
Honda Accord LX-P 4-Dr Sedan $722 $361 $60
Honda CR-V LX 4WD $694 $347 $58
Honda Civic EX 2-Dr Coupe $1,230 $615 $103
Honda Odyssey Touring $792 $396 $66
Nissan Altima 2.5 S 4-Dr Sedan $896 $448 $75
Toyota Camry XLE $800 $400 $67
Toyota Corolla S $694 $347 $58
Volkswagen Jetta S 2.5 Station Wagon $718 $359 $60
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can impact rates significantly.

Car insurance premiums based on gender

The chart below visualizes the comparison of insurance costs for male and female drivers in Garner. The premiums are based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied to the premium on a Honda Civic SI.

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

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The figures shown below show the costs and benefits between high and low policy deductibles. The first rate estimation uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Accord insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $168 $266 $212 $12 $64 $747 $62
Accord LX 4-Dr Sedan $168 $266 $212 $12 $64 $747 $62
Accord EX 4-Dr Sedan $168 $266 $212 $12 $64 $747 $62
Accord LX-P 4-Dr Sedan $168 $266 $212 $12 $64 $747 $62
Accord LX-P 4-Dr Sedan $168 $266 $212 $12 $64 $747 $62
Accord EX-L 4-Dr Sedan $192 $324 $212 $12 $64 $829 $69
Accord EX 2-Dr Coupe $192 $382 $282 $16 $84 $981 $82
Accord LX-S 2-Dr Coupe $192 $382 $282 $16 $84 $981 $82
Accord EX-L 2-Dr Coupe $218 $382 $282 $16 $84 $1,007 $84
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Honda Accord insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $104 $168 $212 $12 $64 $560 $47
Accord LX 4-Dr Sedan $104 $168 $212 $12 $64 $560 $47
Accord EX 4-Dr Sedan $104 $168 $212 $12 $64 $560 $47
Accord LX-P 4-Dr Sedan $104 $168 $212 $12 $64 $560 $47
Accord LX-P 4-Dr Sedan $104 $168 $212 $12 $64 $560 $47
Accord EX-L 4-Dr Sedan $118 $204 $212 $12 $64 $610 $51
Accord EX 2-Dr Coupe $118 $240 $282 $16 $84 $740 $62
Accord LX-S 2-Dr Coupe $118 $240 $282 $16 $84 $740 $62
Accord EX-L 2-Dr Coupe $134 $240 $282 $16 $84 $756 $63
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle location which can lower or raise premiums substantially.

Using the data above, we can ascertain that using a $250 deductible costs approximately $17 more each month or $204 a year than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 44 months between claim filings, you would save money if you elect the higher deductible.

Get lower-cost auto insurance with discounts

Companies that sell car insurance don't always publicize all available discounts very well, so here is a list a few of the more well known and the more hidden auto insurance savings.Auto insurance discounts

We need to note that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.

Some of the larger companies that may offer policyholders these discounts include:

If you want cheaper Garner car insurance quotes, ask all companies you are considering how many discounts you can get. Some discounts may not apply to policies in your area. If you would like to view auto insurance companies that offer the discounts shown above in Garner, click this link.

When should I discuss my situation with an agent?

Keep in mind that when it comes to choosing coverage, there really is no perfect coverage plan. Every insured's situation is different so this has to be addressed.Safe vehicles cost less to insure For example, these questions may help highlight if you may require specific advice.

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Can't I compare rate quotes from local Garner car insurance agents?

Some people would rather talk to a local agent and that is recommended in a lot of cases Professional insurance agents can point out coverage gaps and give you someone to call. A good thing about getting free rate quotes online is that drivers can save money and get cheap insurance quotes and also buy local.

Insurance agency in GarnerAfter completing this short form, your insurance coverage information is immediately sent to local insurance agents that give free quotes and help you find cheaper coverage. You don't have to contact any insurance agencies due to the fact that quote results will go to you instantly. If for some reason you want to quote rates from a specific insurance company, you can always jump over to their website and fill out the quote form the provide.

Selecting an provider should depend on more than just a cheap quote. Any good agent in Garner should know the answers to these questions.

Auto insurance claim information

Are you driving a statistically high-claim vehicle? The claim statistics below show the worst and best manufacturer models for the probability of having to file claims.

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler BMW 6 Series
Smart ForTwo Maserati Ghibli
Ford F-250 SuperCab Maserati Granturismo
Nissan Xterra Bently Continental GTC
Chevrolet Colorado Audi RS7
Ford Edge Nissan GT-R

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

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford Expedition Kia Forte
Tesla Model S Chevrolet Spark
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 2500 Mitsubishi Mirage
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 3500 Hyundai Accent

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

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Mitsubishi Lancer
Fiat 500 Mitsubishi Mirage
Chevrolet Corvette Chevrolet Impala
Subaru Forester Chrysler 200
Subaru Outback Hyndai Accent
Audi A6 Chevrolet Sonic

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

Car Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 BMW M6
Volvo V60 BMW M6
Chevy Spark Porsche Panamera GTS
Smart ForTwo Maserati Granturismo
Nissan Xterra Bentley Continental GTC
Nissan Leaf Bentley Continental GT

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

More effort can pay off

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.

We've covered many tips how you can get a better price on insurance in Garner. The key concept to understand is the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may even discover the best rates are with some of the smallest insurance companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

More affordable insurance in Garner is attainable both online and with local Garner insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not have online price quotes and most of the time these smaller providers work with independent agents.

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