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 car insurance buying tips to save time. There is a right way and a wrong way to compare car insurance rates and you need to know the quickest way to get price quotes for your and get the lowest possible price.
It's smart to get comparison quotes before your policy renews because prices are adjusted regularly by insurance companies. If you had the lowest price on car insurance two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we're going to demonstrate how to use the internet to buy cheaper car insurance.
Companies offering low-cost price quotes in North Carolina
The companies shown below have been selected to offer quotes in North Carolina. If the list has multiple companies, we recommend you visit several of them in order to find the most affordable rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 4WD||$700||$350||$58|
|Chevrolet Impala LTZ||$802||$401||$67|
|Chevrolet Silverado LT Extended Cab 2WD||$796||$398||$66|
|Dodge Ram Quad Cab SLT 4WD||$856||$428||$71|
|Ford Escape XLT 4WD||$682||$341||$57|
|Ford F-150 Lariat Crew Cab Harley 2WD||$692||$346||$58|
|Ford Focus SEL 4-Dr Sedan||$1,112||$556||$93|
|Ford Fusion S 4-Dr Sedan||$1,068||$534||$89|
|GMC Sierra SLE Regular Cab 2WD||$694||$347||$58|
|Honda Accord LX-P 4-Dr Sedan||$716||$358||$60|
|Honda CR-V LX 4WD||$804||$402||$67|
|Honda Civic SI 4-Dr Sedan||$990||$495||$83|
|Honda Odyssey Touring||$852||$426||$71|
|Mazda 3 S Grand Touring 4-Dr Hatchback||$898||$449||$75|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,298||$649||$108|
|Toyota Camry Hybrid||$838||$419||$70|
|Toyota Corolla XRS||$1,062||$531||$89|
|Toyota RAV4 Limited 2WD||$580||$290||$48|
|Toyota Tacoma X-Runner 2WD||$802||$401||$67|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, 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. Information does not factor in Kernersville location which can increase or decrease premium rates greatly.
Male drivers versus female drivers
The example below visualizes the comparison of car insurance costs for male and female drivers in Kernersville. The price estimates are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium on a Ford Fusion SEL.
Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Impact of careless driving on Kernersville auto insurance rates
The example below demonstrates how speeding tickets and at-fault collisions can drive up Ford Focus insurance costs for different age categories. The data is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
Auto insurance discounts are available for cheaper rates
Companies offering auto insurance don't necessarily list every policy discount very clearly, so here is a list both well-publicized and also the lesser-known discounts you could be receiving when you buy Kernersville auto insurance online. If they aren't giving you every credit possible, you could be getting lower rates.
- Senior Citizens - Drivers that qualify as senior citizens can possibly qualify for a small discount on rates.
- Federal Government Employee - Being employed by or retired from a federal job may qualify for a discount when you quote Kernersville auto insurance depending on your auto insurance provider.
- Online Discount - A few larger online companies will give you a small discount for completing your application on the web.
- Early Switch Discount - Select larger companies give a discount for signing up before your current policy expires. This can save 10% or more.
- Defensive Driver - Taking part in a defensive driver course could save 5% or more and easily recoup the cost of the course.
While discounts sound great, it's important to understand that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it's just not the way it works.
Larger auto insurance companies and a selection of discounts are included below.
- State Farm offers discounts including anti-theft, good student, multiple policy, Steer Clear safe driver discount, student away at school, and defensive driving training.
- Farmers Insurance includes discounts for distant student, electronic funds transfer, alternative fuel, youthful driver, early shopping, business and professional, and mature driver.
- GEICO offers premium reductions for emergency military deployment, anti-lock brakes, membership and employees, seat belt use, and good student.
- American Family may offer discounts for early bird, mySafetyValet, accident-free, Steer into Savings, bundled insurance, and good student.
- Nationwide has savings for defensive driving, multi-policy, anti-theft, Farm Bureau membership, and accident-free.
- Progressive has discounts for continuous coverage, online signing, good student, homeowner, multi-policy, and multi-vehicle.
It's a good idea to ask each insurance company to give you their best rates. Depending on the company, some discounts may not be offered in Kernersville. To see a list of insurance companies who offer cheap auto insurance quotes in North Carolina, click this link.
Get more affordable rates by understanding these factors
Part of the car insurance buying process is learning a few of the rating criteria that help calculate the rates you pay for car insurance. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with cheaper rates. Many different elements are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving record, although others are less apparent like your vehicle usage or your commute time.
The factors shown below are a few of the "ingredients" used by companies to determine rates.
Men pay higher rates - Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Men and women have auto accidents at about the same rate, but the men cause more damage. In addition to higher claims, males also get ticketed for serious violations like driving under the influence (DUI). Teenage male drivers cause the most accidents and thus pay the highest rates.
With age comes responsibility - Inexperience drivers have been known to be inattentive and easily distracted with other occupants in the car so car insurance rates are higher. If you've ever had to add a teen driver to your car insurance policy can cause a big jump in price. More experienced drivers are more cautious drivers, tend to file fewer claims, and are generally more financially stable.
Responsible drivers pay less - Your driving citation history influences premium rates substantially. Even one chargable violation can boost insurance rates by twenty percent. Good drivers get better rates than their less careful counterparts. Drivers with flagrant violations such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
Where you reside factors in - Residing in a small town has definite advantages when buying car insurance. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims. Drivers who live in large North Carolina cities have to deal with more road rage incidents and higher rates of accident claims. More time on the road means more chances of being involved in an auto accident.
Improve your credit rating - Having a bad credit history can be a huge factor in determining what you pay for car insurance. So if your credit can be improved, you could be paying less to insure your vehicle by improving your credit score. People that have excellent credit scores tend to file fewer claims and have better driving records than those with lower credit ratings.
Getting married can lower rates - Walking down the aisle actually saves money when buying car insurance. Having a significant other may mean you are more financially stable and it's proven that being married results in fewer claims.
Everyone needs different car insurance coverages
When choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.
- Am I covered when pulling a rental trailer?
- What does medical payments coverage do?
- Do all my vehicles need collision coverage?
- Do I need special endorsements for business use of my vehicle?
- Does insurance cover damages from a DUI accident?
- Can I drive in Mexico and have coverage?
- Are my tools covered if they get stolen from my vehicle?
If you don't know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.
Buyer beware of auto insurance advertising tricks
North Carolina drivers can't ignore all the ads that promise big savings from companies such as Progressive, Allstate and GEICO. All the companies advertise the message of big savings if you move your coverage to them.
How do they all have lower policy pricing? It's all in how they say it.
Different companies require specific criteria for the type of driver that will add to their bottom line. For example, a profitable risk profile could be between the ages of 30 and 45, insures multiple vehicles, and drives a safe vehicle. A driver that meets those criteria is entitled to the best price and is almost guaranteed to save a lot of money.
Potential customers who are not a match for these stringent criteria will get a higher premium which translates to business going elsewhere. If you pay close attention to the ads, they say "people that switch" not "everybody who quotes" save that much. This is how insurance companies can claim big savings. This really drives home the point why it is so important to compare free Kernersville auto insurance quotes often. It's just too difficult to predict which company will fit your personal profile best.
You can lower your insurance rates
People change insurance companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, high prices and even high rates after DUI convictions. Regardless of your reason, finding a new insurance company can be easier than you think.
When searching for inexpensive Kernersville auto insurance quotes, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.
You just learned many ideas to reduce insurance car insurance rates online in Kernersville. The most important thing to understand is the more you quote Kernersville auto insurance, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a lesser-known regional company.