Want to learn how to find more competitive auto insurance rates in Kinston, NC? Are you drained from robbing Peter to pay Paul to pay your auto insurance bill each month? Your situation is no different than most other drivers in North Carolina.
Unimaginable but true, most auto insurance customers kept buying from the same company for at least the last four years, and nearly 40% of drivers have never compared auto insurance rates at all. With the average premium in North Carolina being $980, drivers could save themselves almost 10% a year by just comparing rate quotes, but they don't believe how much they could save if they bought a different policy. Drivers have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, lots of choices makes it harder to find the lowest cost provider.
You should make it a habit to get comparison quotes before your policy renews since prices are usually higher with each renewal. Even if you got the best rates on auto insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the best methods to reduce your cost while improving coverage.
The goal of this article is to let you in on how to effectively get price quotes and how to save the most money. If you currently have a car insurance policy, you will most likely be able to get lower rates using this information. Comparison shoppers just have to understand the fastest way to find the lowest price over the internet.
Get cheaper rates on auto insurance with these auto insurance discounts
Companies offering auto insurance don't necessarily list every policy discount in a way that's easy to find, so the following is a list of a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy Kinston car insurance online.
- Professional Organizations - Affiliation with a qualifying organization may earn a discount on your bill.
- Driving Data Discount - Policyholders that allow their company to study when and where they use their vehicle by installing a telematics device such as Progressive's Snapshot and State Farm's In-Drive might see lower rates if they show good driving skills.
- Discounts for New Vehicles - Buying a new car instead of a used car may earn a small discount compared to insuring an older model.
- Government Employee Discount - Simply working for the federal government could qualify for a slight premium decrease depending on your auto insurance provider.
- Low Mileage Discounts - Keeping the miles down can earn lower prices due to less chance of an accident.
- Military Rewards - Being on active duty in the military may lower your auto insurance rates slightly.
It's important to note that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you could get a free auto insurance policy, you aren't that lucky. But any discount should definitely cut the amount you have to pay.
For a list of companies who offer online auto insurance quotes in Kinston, click this link.
Cutting your Kinston insurance rates can be relatively painless. The only requirement is to spend a few minutes comparing price quotes to find the company with affordable Kinston car insurance quotes.
Doing price comparisons online is so simple that it makes it obsolete to call or drive to each insurance agency near you. The ability to get quotes online has made agencies unnecessary unless you have a complicated situation and need the trained advice that you can only get from talking to an agent. Although you can get prices online but purchase the actual policy in an agency.
The companies in the list below are our best choices to provide comparison quotes in Kinston, NC. If more than one company is shown, we suggest you visit several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Extended Cab 2WD||$704||$352||$59|
|Dodge Grand Caravan SE||$832||$416||$69|
|Dodge Ram Crew Cab Sport 2WD||$766||$383||$64|
|Ford Escape XLT 4WD||$718||$359||$60|
|Ford F-150 STX Regular Cab 4WD||$624||$312||$52|
|Ford Focus S 4-Dr Sedan||$770||$385||$64|
|GMC Sierra SLT Extended Cab 4WD||$836||$418||$70|
|Honda Accord LX-P 4-Dr Sedan||$552||$276||$46|
|Honda CR-V LX 4WD||$580||$290||$48|
|Honda Civic GX 4-Dr Sedan||$732||$366||$61|
|Hyundai Elantra Blue 4-Dr Sedan||$1,032||$516||$86|
|Jeep Grand Cherokee Limited 4WD||$916||$458||$76|
|Nissan Altima 2.5 S 4-Dr Sedan||$774||$387||$65|
|Toyota Camry Hybrid||$886||$443||$74|
|Toyota Corolla XLE||$710||$355||$59|
|Volkswagen Jetta LE 4-Dr Sedan||$754||$377||$63|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can change auto insurance rates noticeably.
Kinston insurance premiums for males versus females
The example below shows the difference between auto insurance rates for male and female drivers in Kinston. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $250 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.
How much more does full coverage cost?
The chart below illustrates the difference between Chevrolet Tahoe insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $100 deductibles, single male driver, and no other discounts are factored in.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop paying for full coverage
There isn't a steadfast formula to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let's assume your Chevrolet Tahoe book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying your policy deductible. If it's costing in excess of $300 a year to have full coverage, then it might be time to buy liability only.
There are some situations where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle in case of an accident, you should not drop full coverage.
The illustration below shows how different deductible levels and can influence Hyundai Elantra insurance prices for different ages of insureds. Data assumes a married male driver, full coverage, and no other discounts are factored in.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
The best insurance company isn't always the cheapest
Some insurance providers do not offer rate quotes online and these small insurance companies provide coverage only through independent agents. Lower-priced car insurance in Kinston can be bought both online and also from your neighborhood Kinston agents, so you need to compare both in order to have the best price selection to choose from.
As you restructure your insurance plan, it's a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.
Throughout this article, we presented many tips how you can lower your car insurance auto insurance rates in Kinston. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced car insurance comes from the smaller companies. They can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.
To learn more, take a look at the following helpful articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)