Frustrated by the wide range of auto insurance providers in your area? Lot's of other drivers are too. North Carolina consumers have so many providers available that it is more work than you anticipated to find the best prices. Burlington is a great place to live, but finding the money to pay for auto insurance makes it difficult to buy full coverage.

It's shocking but a large majority of drivers kept their coverage with the same auto insurance company for well over three years, and 38% of customers have never quoted rates to find cheaper coverage. Consumers in Burlington could save themselves 10% a year by just comparing quotes, but they underestimate the big savings they would realize if they bought a different policy.

This information will let you in on the best ways to compare prices and how you can save the most money. If you are already insured, you will surely be able to lower your rates using the ideas you're about to read. But North Carolina consumers must learn the way companies determine what you pay.

The easiest way to compare policy rates is to know the fact all the major auto insurance companies participate in a system to quote your coverage. To begin a comparison, all you need to do is provide details like distance driven, how you use your vehicles, what you do for a living, and if you lease or own. That rating data gets sent immediately to multiple insurance providers and you will get price comparisons quickly.

If you would like to compare rates now, click here and enter your zip code.

The car insurance companies shown below are our best choices to provide quotes in Burlington, NC. If the list has multiple companies, it's a good idea that you visit two to three different companies to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Burlington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $822 $411 $69
Chevrolet Silverado LT Crew Cab 2WD $1,138 $569 $95
Dodge Ram Quad Cab Sport 4WD $856 $428 $71
Ford Escape XLT 2WD $744 $372 $62
Ford Explorer Limited 2WD $884 $442 $74
Ford F-150 XLT Regular Cab 4WD $622 $311 $52
Ford Focus SEL 4-Dr Sedan $920 $460 $77
GMC Sierra SLT Extended Cab 4WD $818 $409 $68
Honda Accord EX-L 2-Dr Coupe $962 $481 $80
Honda CR-V EX 4WD $770 $385 $64
Honda Civic LX 4-Dr Sedan $986 $493 $82
Hyundai Elantra GLS 4-Dr Sedan $720 $360 $60
Nissan Altima 3.5 SR 4-Dr Sedan $726 $363 $61
Toyota Camry XLE $820 $410 $68
Toyota Corolla XRS $810 $405 $68
Toyota RAV4 Limited 4WD $658 $329 $55
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific zip code location which can impact premiums considerably.

Where to set your deductibles

The chart below highlights how deductible selection and can influence Honda Pilot insurance rates for different age groups. The rate quotes are based on a single male driver, comp and collision included, and no policy discounts are applied.

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

Take advantage of every auto insurance discount

Companies that sell car insurance don't always list all discounts very well, so below is a list a few of the more well known as well as the least known discounts that may be available.Save money with discounts

As a footnote on discounts, most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, you aren't that lucky. Any amount of discount will cut the premium cost.

A few popular companies and a summarized list of policyholder discounts can be found below.

Before buying, ask all the companies which discounts they offer. Some credits may not be available in your state. To find companies with significant discounts in Burlington, click here.

When to have guidance from an insurance agency

Many people would rather talk to an insurance agent and that is just fine! A good thing about getting online price quotes is you can get cheaper premium rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Burlington.

Insurance agents in BurlingtonOnce you complete this short form, the quote information gets sent to insurance agents in Burlington that can provide free Burlington auto insurance quotes to get your business. You never need to drive around as quotes are delivered to you instantly. You can find better rates without the usual hassles of price shopping. If you need to compare rates from a specific company, feel free to navigate to their website and fill out the quote form the provide.

Deciding on an provider should include more criteria than just a cheap quote. The answers to these questions are important, too.

After you get answers to your satisfaction for all questions you ask and an affordable coverage quote, you have narrowed it down to a company that is reliable enough to properly insure your vehicles.

Make good decisions and reduce your rates

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that may result in lower insurance prices.

Listed below are some of the most rate-impacting factors insurance companies consider when setting your rate level.

Why you need quality insurance for your vehicle

Despite the potentially high cost of car insurance, car insurance is not optional due to several reasons.

First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a lienholder, most banks will have a requirement that you have insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your vehicle for a lot more money and require you to pay much more than you were paying before.

Third, car insurance protects both your assets and your car. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying enough insurance outweigh the cost, especially with large liability claims. But the average driver in North Carolina is overpaying more than $830 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.

Car insurance claim information

Does your vehicle tend to have claims? The statistics below list the highest and lowest models for the overall chance of having large claims for each type of coverage.

Lowest and Highest Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Corvette Dodge Charger
Chevrolet Silverado 3500 Hyundai Accent
Ford F-350 SuperCrew Nissan Versa
Tesla Model S Kia Forte
Ford F-250 SuperCrew Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Bentley Continental GT
Ford F-350 Bentley Continental GTC
GMC Sierra 2500 BMW M6
Chevy Silverado 2500 Mercedes-Benz S Class
Volvo V60 Porsche Panamera GTS
Nissan Leaf Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Fiat 500 Mitsubishi Mirage
Volvo XC60 Mitsubishi Lancer
Mercedes-Benz SL Class Chevrolet Sonic
Acura MDX Kia Rio
Subaru Outback Kia Optima
Chevrolet Corvette Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Auto Insurance Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Mini Cooper Ferrari 458
Smart ForTwo Bentley Continental Flying Spur
Ford F-150 SuperCrew BMW 6 Series
Jeep Wrangler Audi RS7
Nissan Xterra Maserati Granturismo
Chevrolet Colorado Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

In the end, you can save money

As you shop your coverage around, it's very important that you do not buy less coverage just to save a little money. There have been many situations where someone dropped collision coverage only to discover later that it was a big mistake. Your objective should be to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Consumers leave their current company for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, extreme rates for teen drivers or even policy cancellation. It doesn't matter what your reason, finding a new insurance company can be less work than you think.

More affordable insurance in Burlington can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these smaller providers work with local independent agents.

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