Online price comparisons for inexpensive Thomasville car insurance may appear to be difficult at first if you are one of the many people new to online price quotes. Don't let that bother you because using the internet to shop for insurance is actually quite easy.

A recent study revealed that almost 70% of insureds have remained with the same insurance company for more than four years, and approximately 40% of consumers have never compared insurance rates at all. North Carolina consumers could save $90 every year, but they just assume it's a time-consuming process to go online and compare rates.

If you're already insured, you should be able to reduce premiums using the techniques covered below. Our goal in writing this article tell you how to compare rates easily. But North Carolina car owners should learn how big insurance companies charge you for coverage and use it to your advantage.

Get cheaper auto insurance with discounts

Insuring your fleet can be pricey, but there's a good chance there are discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you complete an application, but some need to be asked for prior to getting the savings.Discount auto insurance

It's important to note that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you're out of luck. Any qualifying discounts will reduce your auto insurance premiums.

Companies that may offer quotes with these discounts possibly include:

Double check with every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your state.

The most recommended method to compare car insurance company rates is to take advantage of the fact almost all companies provide online access to quote your coverage. To get started, all you need to do is give the companies some data like how much education you have, how your vehicles are used, distance driven, and driver ages. Your insurance information is submitted instantly to multiple auto insurance providers and you should receive rate quotes very quickly.

To get price quotes for your car now, click here and find out if lower rates are available in Thomasville.

The companies shown below are our best choices to provide comparison quotes in North Carolina. If more than one company is shown, we suggest you click on several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Thomasville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $754 $377 $63
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,032 $516 $86
Ford Escape XLT 2WD $556 $278 $46
Ford F-150 FX2 2WD $874 $437 $73
Ford Focus SE 4-Dr Sedan $1,040 $520 $87
Ford Fusion Sport 4-Dr Sedan $930 $465 $78
Honda Accord LX-P 4-Dr Sedan $634 $317 $53
Honda CR-V EX 2WD $836 $418 $70
Honda Civic EX-L 2-Dr Coupe $1,098 $549 $92
Honda Odyssey LX $538 $269 $45
Hyundai Elantra SE Touring Station Wagon $532 $266 $44
Hyundai Sonata SE 4-Dr Sedan $986 $493 $82
Jeep Grand Cherokee Limited 4WD $810 $405 $68
Kia Optima SX $838 $419 $70
Nissan Altima 2.5 S 4-Dr Sedan $896 $448 $75
Toyota Camry LE $840 $420 $70
Toyota Corolla XRS $958 $479 $80
Toyota RAV4 4WD $660 $330 $55
Toyota Tacoma X-Runner 2WD $774 $387 $65
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower prices substantially.

Car insurance rates based on gender

The information below illustrates the comparison of auto insurance rates for male and female drivers in Thomasville. The prices are based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium on a Honda Pilot Touring.

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

Should you buy full coverage?

The chart below illustrates the comparison of Ford Escape insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no claims or driving violations, $500 deductibles, single male driver, and no other discounts are factored in.

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

When to drop comp and collision

There is no exact formula for excluding physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's say your Ford Escape replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Policy deductible comparison

The diagram below illustrates how choosing a deductible and can influence Hyundai Sonata yearly insurance costs for different age categories. The costs are based on a married female driver, full physical damage coverage, and no discounts are factored in.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparing rates from local Thomasville auto insurance agents

Certain consumers still prefer to talk to an insurance agent and that is a smart decision A good thing about comparing insurance prices online is the fact that drivers can get better rates but also keep your business local. And buying from neighborhood agents is important particularly in Thomasville.

Thomasville insurance agentsFor easy comparison, once you complete this form (opens in new window), your coverage information gets sent to companies in Thomasville who will give you bids and help you find cheaper coverage. It's much easier because you don't need to leave your house since rate quotes are delivered to your email. You can most likely find cheaper rates without requiring a lot of work. If for some reason you want to compare rates from a specific company, you can always go to their quote page and fill out their quote form.

What types of car insurance agents are in Thomasville?

If you want a reliable agent, it's helpful to know the different types of agencies and how they can quote your rates. Car insurance agents in Thomasville are either independent or exclusive.

Independent Car Insurance Agents (or Brokers)

These agents do not have single company limitations so they can write business with an assortment of companies and possibly get better coverage at lower prices. If prices rise, the agent simply finds a different carrier which is easy for the insured. When shopping rates, we recommend you contact several independent agencies in order to compare the most rates. Most have the option of insuring with companies you've never heard of that can offer cheaper rates than bigger companies.

Exclusive Insurance Agents

Agents of this type generally can only insure with one company such as State Farm, Allstate, or Farmers Insurance. They are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. These agents are trained well on what they offer which helps overcome the inability to quote other rates. Drivers often use the same agent mostly because of the prominent brand name rather than low price.

Choosing an insurance agent is decision based upon more than just a cheap price. Any agent in Thomasville should be willing to answer these questions.

Upon receiving good answers to any questions you may have and an affordable coverage quote, chances are good that you have found an auto insurance agent that is professional and can adequately provide car insurance.

Insurance claim statistics

Which vehicles statistically have the most claims? The following statistics show the highest and lowest makes and models for the overall chance of having claims for each type of coverage.

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Mercedes-Benz SL Class Dodge Charger
Fiat 500 Mitsubishi Lancer
Subaru Outback Chevrolet Sonic
Acura MDX Kia Optima
Chevrolet Corvette Chevrolet Impala
Audi A6 Mitsubishi Mirage

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

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Chevrolet Sonic
Ford Expedition Chevrolet Spark
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 3500 Dodge Charger
Ford F-250 SuperCrew Kia Forte
Tesla Model S Nissan Versa

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

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-350 Bentley Continental GTC
Smart ForTwo BMW M6
Chevy Spark Maserati Quattroporte
Chevy Silverado 2500 Maserati Granturismo
Volvo V60 Audi S7
Infiniti QX50 Mercedes-Benz S Class

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

Manufacturer Models with the Lowest and Highest Auto Insurance Collision Claims
Lowest Claims Highest Claims
GMC Canyon BMW 6 Series
Smart ForTwo BMW M6
Mini Cooper Bentley Continental Flying Spur
Ford F-250 SuperCab Maserati Granturismo
Ford F-150 SuperCrew Maserati Ghibli
Jeep Wrangler Bently Continental GTC

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

Lower rates by being persistent

You just learned a lot of ways to shop for car insurance online. It's most important to understand that the more you quote Thomasville car insurance, the better your chances of lowering your premium rates. Drivers may even discover the lowest auto insurance rates are with some of the smallest insurance companies.

Drivers leave their current company for many reasons like extreme rates for teen drivers, delays in responding to claim requests, denial of a claim and even high rates after DUI convictions. It doesn't matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Cheap car insurance in Thomasville can be purchased online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide price quotes online and most of the time these small, regional companies sell through independent insurance agents.

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