How many times have you told yourself it's time to shop around for more affordable insurance rates in Matthews, NC? Finding more affordable quotes online might seem challenging for consumers who are beginners to quoting and comparing and buying insurance on the web. Since there are so many online companies available, how are consumers able to have the ability to compare every one to find cheaper insurance rates?

Sad but true, over 70% of drivers kept their coverage with the same insurance company for well over three years, and just under half have never compared rates to find cheap insurance. North Carolina drivers can cut their rates by up to $94 a year, but they don't invest the time required to compare rates online.

If you're already insured, you will surely be able to reduce premiums using the concepts you're about to learn. Getting quotes for the cheapest insurance policy in Matthews is not as confusing as people think. Although North Carolina drivers must learn how the larger insurance companies sell online because it varies considerably.

Auto insurance companies in North Carolina

The auto insurance companies shown below can provide comparison quotes in North Carolina. If several companies are displayed, it's highly recommended you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Matthews
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $772 $386 $64
Chevrolet Malibu LS $756 $378 $63
Chevrolet Silverado LS Extended Cab 4WD $592 $296 $49
Dodge Ram Crew Cab Laramie 4WD $926 $463 $77
Ford Escape XLS 2WD $664 $332 $55
Ford F-150 XL Crew Cab 4WD $958 $479 $80
Ford Focus SES 4-Dr Sedan $874 $437 $73
Honda Accord LX 4-Dr Sedan $716 $358 $60
Honda CR-V LX 2WD $708 $354 $59
Honda Civic SI 4-Dr Sedan $734 $367 $61
Honda Odyssey EX-L W/Rear Entertainment $930 $465 $78
Mazda 3 S Sport 4-Dr Sedan $898 $449 $75
Nissan Altima 2.5 S 4-Dr Sedan $820 $410 $68
Toyota Camry SE $732 $366 $61
Toyota Corolla S $678 $339 $57
Toyota Prius $696 $348 $58
Volkswagen Jetta SE 4-Dr Sedan $622 $311 $52
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific Matthews garaging location which can modify premiums noticeably.

Comparison of policy deductibles

The diagram below shows how choosing a deductible and can raise or lower Nissan Sentra insurance costs for each different age group. The premiums are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Matthews insurance costs by age and gender

The example below shows the comparison of yearly insurance costs for male and female drivers in Matthews. The premiums are based on no violations or claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in on a Ford Escape XLS.

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

Auto insurance policy discounts

Auto insurance is expensive, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some must be requested specifically before they will apply.Cheaper auto insurance with discounts

Don't be surprised that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies wouldn't stay in business.

Large auto insurance companies and some of the premium reductions they offer are detailed below.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policies in Matthews. If you would like to choose from a list of companies with significant discounts in North Carolina, click here to view.

Do you really save 40% when you switch?

Popular insurance providers such as State Farm, Allstate and GEICO regularly use television, radio, and online ads. All the companies say the same thing about savings just by switching your coverage. How is it possible that every company can charge lower premium rates? It's all in how they say it.

Companies quote their best rates for the type of customer that earns them a profit. An example of a driver they prefer might be over the age of 35, has no prior claims, and drives a vehicle with a low ISO rating. A customer getting a price quote who matches those parameters receive the lowest rate quotes in Matthews and is almost guaranteed to save a lot on Matthews insurance if they switch.

Consumers who fall short of the ideal profile will have to pay a higher premium and this can result in the customer buying from someone else. The ads state "drivers that switch" not "everybody who quotes" save that much. That's the way companies can state the savings. This really emphasizes why you need to compare many company's prices. It's not possible to predict which company will be your best fit.

Best and worst vehicle claim statistics

Which makes and models have the most claims? The tables below outline the good and bad vehicle makes and models for the probability of having to file claims for each type of coverage listed.

Medical Payment Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Tesla Model S Mitsubishi Lancer
Ford F-350 SuperCrew Kia Forte
Chevrolet Silverado 2500 Hyundai Accent
Land Rover Range Rover Sport Dodge Charger
Audi A4 Allroad Chrysler 200
Chevrolet Silverado 3500 Nissan Versa

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Chevrolet Cruze
Subaru Forester Hyndai Accent
Mercedes-Benz SL Class Kia Optima
Volvo XC60 Chrysler 200
Audi A6 Mitsubishi Lancer
Fiat 500 Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 BMW M6
Nissan Xterra Audi S7
Infiniti QX50 BMW M6
Smart ForTwo Bentley Continental GTC
GMC Sierra 2500 Maserati Quattroporte
Volvo V60 Porsche Panamera GTS

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab BMW M6
Ford Edge Audi RS7
Smart ForTwo Bentley Continental Flying Spur
Nissan Xterra Maserati Granturismo
Ford F-150 SuperCrew Bently Continental GT
GMC Canyon Bently Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't give up on cheaper premiums

We just presented quite a bit of information on how to save on insurance in Matthews. The key thing to remember is the more quotes you get, the better chance you'll have of finding low cost Matthews auto insurance quotes. You may even find the lowest priced insurance comes from some of the smallest insurance companies.

Low-cost insurance in Matthews can be found on the web and from local agencies, so you need to quote Matthews auto insurance with both to have the best rate selection. Some insurance companies do not provide rate quotes online and usually these small insurance companies only sell through local independent agents.

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where consumers will sacrifice collision coverage only to find out that they should have had better coverage. The goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

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