Shopping for more affordable quotes might appear intimidating for vehicle owners new to comparing rates over the internet. With so many options of companies, how can you have time to compare them all to find better rates?

A recent car insurance study revealed that nearly 70% of drivers kept their policy with the same company for at least four years, and approximately 40% of consumers have never shopped around. With the average car insurance premium being $1,000, North Carolina drivers can cut their rates by nearly 10% a year just by comparing rates, but they think it's difficult to compare rates online.

When comparison shopping, comparing more prices helps improve the odds of finding better pricing. Not every company does online quotes, so you need to compare rates from them as well.

The auto insurance companies shown below provide free rate quotes in Asheville, NC. If more than one company is shown, it's highly recommended you visit as many as you can to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Asheville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $916 $458 $76
Dodge Ram Crew Cab TRX 4WD $910 $455 $76
Ford Escape XLS 2WD $746 $373 $62
Ford Explorer Limited AWD $764 $382 $64
Ford F-150 STX Super Cab 4WD $928 $464 $77
Ford Focus SEL 4-Dr Sedan $882 $441 $74
GMC Sierra Denali Crew Cab 4WD $874 $437 $73
Honda Accord LX-P 4-Dr Sedan $836 $418 $70
Honda CR-V EX 2WD $498 $249 $42
Honda Civic SI 2-Dr Coupe $868 $434 $72
Hyundai Sonata SE 4-Dr Sedan $1,090 $545 $91
Nissan Altima 2.5 S 4-Dr Sedan $906 $453 $76
Nissan Rogue S 2WD $704 $352 $59
Toyota Camry Hybrid $860 $430 $72
Toyota Corolla S $912 $456 $76
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific Asheville garaging location which can change price quotes significantly.

An analysis of deductible level

One of the most common auto insurance questions is how high should the physical damage deductibles be. The comparisons below may help you to understand the differences in price when you choose different deductibles. The first data set uses a $250 deductible and the second pricing table uses a $1,000 deductible.

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

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $168 $324 $250 $14 $74 $855 $71
Focus SE 4-Dr Sedan $168 $324 $250 $14 $74 $855 $71
Focus SEL 4-Dr Sedan $168 $382 $250 $14 $74 $913 $76
Focus SES 4-Dr Sedan $168 $382 $250 $14 $74 $913 $76
Focus SE 2-Dr Coupe $192 $382 $282 $16 $84 $981 $82
Focus SES 2-Dr Coupe $192 $382 $282 $16 $84 $981 $82
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Ford Focus insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $104 $204 $250 $14 $74 $646 $54
Focus SE 4-Dr Sedan $104 $204 $250 $14 $74 $646 $54
Focus SEL 4-Dr Sedan $104 $240 $250 $14 $74 $682 $57
Focus SES 4-Dr Sedan $104 $240 $250 $14 $74 $682 $57
Focus SE 2-Dr Coupe $118 $240 $282 $16 $84 $740 $62
Focus SES 2-Dr Coupe $118 $240 $282 $16 $84 $740 $62
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific garaging location which can affect rates noticeably.

Using the data above, we can ascertain that using a $250 deductible costs an average of $18 more each month or $216 for a full year than buying the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 42 months between claim filings, you would save money by going with a higher deductible.

Auto insurance rates based on gender in Asheville

The chart below illustrates the comparison of yearly insurance costs for male and female drivers in Asheville. The rate quotes are based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are single, and no 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.

Why you need quality insurance for your vehicle

Even though it's not necessarily cheap to insure a vehicle in Asheville, maintaining insurance is required in North Carolina but also provides important benefits.

The benefits of insuring your car more than offset the price you pay, especially if you ever need it. The average driver in America is currently overpaying as much as $865 each year so it's very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

Insurance myths debunked

Respected companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all tend to make the same promise that you can save if you change your insurance coverage to their company. How does every insurance company give you a better price on insurance?

Companies are able to cherry pick for the driver that is profitable for them. For instance, a profitable insured may need to be married and over the age of 30, has a low-risk occupation, and has a short commute. A customer getting a price quote that fits those parameters will get very good Asheville prices and as a result will probably cut their insurance rates if they switch.

Potential customers who are not a match for these stringent criteria will probably be forced to pay higher rates which translates to the customer not purchasing. The trick companies use is to say "people who switch" not "everyone who quotes" save that much money. This is how insurance companies can make those claims. Each company has different criteria, so drivers must get price quotes at each policy renewal. You cannot predict which company will provide the lowest insurance in Asheville.

Discounts mean cheaper rates

Insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that may help make it more affordable. A few discounts will automatically apply when you quote, but some may not be applied and must be requested specifically prior to receiving the credit.Discount insurance

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will definitely reduce your insurance premiums.

A list of insurance companies and a selection of discounts are outlined below.

It's a good idea to ask each insurance company the best way to save money. Some discounts might not be offered in Asheville. If you would like to see a list of companies that have a full spectrum of discounts in Asheville, click here.

It's not one size fits all

When it comes to choosing coverage for your personal vehicles, there really isn't a single plan that fits everyone. Everyone's situation is a little different.Safe vehicles cost less to insure

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent's advice.

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance claim information

What vehicles have the fewest claims? The statistics tables below show the best and worst vehicle makes and models for the probability of having large claims for each type of coverage.

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Maserati Ghibli
Smart ForTwo BMW M6
Chevrolet Colorado Maserati Granturismo
Ford Edge BMW 6 Series
Ford F-150 SuperCrew Audi RS7
GMC Canyon Bently Continental GTC

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

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Bentley Continental GTC
Smart ForTwo Mercedes-Benz S Class
Volvo V60 Audi S7
Chevy Spark BMW M6
Ford F-350 Bentley Continental GT
GMC Sierra 2500 Maserati Granturismo

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

Liability Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Outback Mitsubishi Mirage
Audi A6 Kia Rio
Subaru Forester Hyndai Accent
Mercedes-Benz SL Class Chevrolet Sonic
Acura MDX Mitsubishi Lancer
Chevrolet Corvette Chevrolet Cruze

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

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Kia Forte
Ford F-250 SuperCrew Mitsubishi Lancer
Ford Expedition Chevrolet Sonic
Chevrolet Silverado 3500 Hyundai Accent

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

Insurance savings summarized

We just covered a lot of techniques to shop for insurance online. The key concept to understand is the more you quote Asheville auto insurance, the better likelihood of getting cheap Asheville auto insurance quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies.

People who switch companies do it for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, high prices and denial of a claim. Regardless of your reason for switching companies, finding the right insurance provider can be less work than you think.

Some insurance providers may not offer rates over the internet and many times these smaller providers provide coverage only through independent agencies. The cheapest insurance in Asheville is available online in addition to local insurance agencies, so you need to compare both in order to have the best chance of saving money.

More information can be read on the following sites: