Do you want to learn how to find lower-priced insurance rates in Havelock, NC? Buying cheap quotes might appear somewhat difficult for drivers that are not comfortable with quoting and buying their insurance on the internet. With a ridiculous number of insurance companies available, how can anyone possibly compare every company in order to find better prices?

Shockingly, almost 70% of drivers in North Carolina kept their policy with the same company for a minimum of four years, and roughly 40% of drivers have never compared rates to find cheaper insurance. The average driver in the U.S. can save nearly 47% each year just by comparing rates, but they just assume it takes a lot of time to do a rate comparison.

You need to take a look at other company's rates as often as possible because insurance prices are adjusted regularly by insurance companies. If you had the best deal on insurance on your last policy you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because it's time to teach you one of the best ways to reduce your cost while increasing coverage.

If you already have coverage, you will definitely be able to find better prices using the techniques covered below. Our goal in writing this article instruct you on the most effective ways to compare rates and some tips to save money. But North Carolina car owners do need to learn how companies calculate their prices because rates are impacted by many factors.

Cheapest auto insurance companies in Havelock

The following companies provide price comparisons in North Carolina. If the list has multiple companies, it's highly recommended you visit as many as you can to get the best price comparison.

Insurance Costs for Popular Vehicles in Havelock
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $756 $378 $63
Chevrolet Silverado LS Regular Cab 4WD $902 $451 $75
Dodge Ram Quad Cab ST 4WD $726 $363 $61
Ford Escape XLS 4WD $544 $272 $45
Ford F-150 STX Regular Cab 2WD $710 $355 $59
Ford Focus S 4-Dr Sedan $930 $465 $78
Honda Accord EX-L 2-Dr Coupe $846 $423 $71
Honda CR-V EX 4WD $766 $383 $64
Honda Civic LX 4-Dr Sedan $694 $347 $58
Honda Odyssey EX-L $696 $348 $58
Hyundai Sonata Limited 4-Dr Sedan $1,130 $565 $94
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $674 $337 $56
Nissan Altima 2.5 S 2-Dr Coupe $898 $449 $75
Toyota Camry XLE $1,046 $523 $87
Toyota Corolla S $800 $400 $67
Toyota Prius $626 $313 $52
Toyota RAV4 Sport 2WD $580 $290 $48
Volkswagen Jetta SEL 4-Dr Sedan $692 $346 $58
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific location information which can change premiums considerably.

Car insurance cost for men versus women

The diagram below compares insurance prices for male and female drivers in Havelock. The data assumes no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in on a Toyota Camry XLE.

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

Discounts to earn lower Havelock insurance rates

Insuring your fleet can be pricey, but there may be some discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but a few need to be requested specifically before being credited.Cheaper insurance with discounts

As is typical with insurance, many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, it's just not the way it works.

Large insurance companies and their offered discounts are included below.

It's a good idea to ask each company or agent how you can save money. Some discounts may not apply to policyholders in your state.

Make smart decisions and lower your rates

A large part of saving on insurance is knowing the factors that help determine your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that can help you get lower rates. Lots of things are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but other criteria are more transparent such as whether you are married or how safe your car is.

The following are a few of the "ingredients" used by insurance companies to determine your rates.

Tailor your auto insurance coverage to you

When selecting the right insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Your needs are unique to you so your insurance needs to address that.Safe vehicles cost less to insure Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent's advice.

If you don't know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Don't be fooled by advertising claims

Insurance companies such as State Farm, GEICO and Progressive consistently run television, radio, and online ads. All the ads advertise the message that drivers will save a bundle after switching your insurance coverage to their company. How does every company say the same thing? It's all in how they say it.

Insurance companies have a certain "appetite" for the type of driver that will generate a profit. For instance, this type of risk profile should be over the age of 45, has never had a policy lapse, and the vehicle is rated for pleasure use. Any person who fits those characteristics will get very good Havelock premium rates and have a good chance to save some money.

Potential customers who fall short of this stringent profile may be forced to pay higher rates which translates to the customer not buying. The trick is to say "people that switch" not "all people who quote" save that kind of money. That is how companies can truthfully make those statements. This really illustrates why drivers should do a price quote comparison at every renewal. Because you cannot predict which insurance companies will have the lowest rates for your situation.

Car insurance claim information

Which vehicles statistically have the fewest claims? The next tables list the highest and lowest cars and trucks for likelihood of having to file claims.

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

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

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

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

Manufacturer Models with the Lowest and Highest Collision Insurance Claims
Lowest Claims Highest Claims
Smart ForTwo Nissan GT-R
Mini Cooper Audi RS7
Chevrolet Colorado Bently Continental GTC
Ford F-150 SuperCrew Ferrari 458
Ford Edge Maserati Granturismo
GMC Canyon Maserati Ghibli

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

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Silverado 3500 Kia Forte
Ford F-350 SuperCrew Chrysler 200
Audi A4 Allroad Chevrolet Spark
Chevrolet Corvette Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra
Tesla Model S Chevrolet Sonic

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

In the end, you can save money

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut collision coverage only to discover later that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Affordable auto insurance in Havelock is possible on the web and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don't offer price quotes online and many times these regional insurance providers only sell through independent insurance agencies.

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