Trying to find lower-priced insurance rates in Charlotte, NC? Charlotte buyers have lots of choices when searching for the lowest priced car insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to get rate quotes.

There are more efficient ways to compare insurance rates so we're going to tell you the quickest way to get price quotes for a and locate the lowest price from both online companies and Charlotte agents.

Get more affordable premiums by understanding these factors

Many different elements are used when quoting car insurance. Some are obvious such as traffic violations, although others are not quite as obvious like where you live or how financially stable you are.

The factors shown below are some of the items that factor into your rates.

Getting a cheaper price on insurance can be surprisingly simple. All you need to do is spend a few minutes comparing free Charlotte auto insurance quotes provided by online insurance companies.

The companies shown below offer free rate quotes in North Carolina. If multiple companies are shown, we recommend you visit as many as you can in order to find the most competitive rates.

Insurance Rate Estimates for Popular Vehicles in Charlotte
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $744 $372 $62
Chevrolet Silverado LTZ Extended Cab 4WD $712 $356 $59
Dodge Ram Crew Cab TRX 2WD $964 $482 $80
Ford Escape XLT 2WD $556 $278 $46
Ford F-150 Lariat Crew Cab Harley 4WD $856 $428 $71
Ford Focus SEL 4-Dr Sedan $1,018 $509 $85
GMC Sierra SLT Crew Cab 2WD $1,080 $540 $90
Honda Accord LX-P 4-Dr Sedan $804 $402 $67
Honda CR-V LX 2WD $716 $358 $60
Honda Civic EX-L 4-Dr Sedan $954 $477 $80
Honda Odyssey Touring $1,062 $531 $89
Hyundai Elantra Blue 4-Dr Sedan $788 $394 $66
Nissan Altima 2.5 4-Dr Sedan $850 $425 $71
Toyota Camry SE $800 $400 $67
Toyota Corolla S $678 $339 $57
Toyota RAV4 Limited 2WD $988 $494 $82
Toyota Tacoma X-Runner 2WD $906 $453 $76
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can lower or raise coverage prices substantially.

How high should deductibles be?

The information below shows how choosing a deductible and can influence Toyota Camry insurance premiums for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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

Is there truth in advertising?

North Carolina drivers can't get away from all the ads that promise big savings by companies like Allstate, GEICO and Progressive. All the ads tend to make the same promise that you can save if you just switch to them.

How is it possible that every company can charge you a lower premium? You have to listen carefully.

Companies have underwriting criteria for the right customer that earns them the most money. An example of a profitable risk profile may be over the age of 45, has a clean driving record, and insures a new vehicle. Anybody who matches those parameters gets the lowest prices and therefore will cut their car insurance rates if they switch.

Drivers who are not a match for this stringent profile will see a more expensive rate which leads to the prospect going elsewhere. The wording the ads use say "customers that switch" not "everybody who quotes" save that much when switching. This is how insurance companies can make those statements.

Because of these techniques, it is so important to do a rate comparison at every renewal. It is just not possible to predict which insurance companies will have the lowest car insurance in Charlotte.

Why you need vehicle insurance in North Carolina

Despite the high cost of buying insurance in Charlotte, buying insurance is required for several reasons.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly if you ever have a claim. An average driver in America is overpaying more than $855 a year so shop around each time the policy renews to save money.

Charlotte insurance discounts

Some insurers don't always publicize all possible discounts very well, so we researched some of the more common and also the lesser-known discounts you could be receiving when you buy Charlotte auto insurance online.Insurance discounts

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it's just not the way it works. But all discounts will positively reduce the amount you have to pay.

A list of companies and their offered discounts are included below.

Double check with all the companies which discounts you may be entitled to. A few discounts may not be offered in Charlotte. To locate insurers who offer online insurance quotes in Charlotte, follow this link.

You may require the services of an insurance agency

Many people would prefer to get professional advice from a licensed agent and that is a smart decision Agents will help you protect your assets and will help you if you have claims. An additional benefit of comparing rates online is that you can obtain cheap auto insurance rates and still have an agent to talk to. Buying from and supporting local insurance agencies is definitely important in Charlotte.

For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to insurance agents in Charlotte that can provide free Charlotte auto insurance quotes to get your business. You won't need to contact any insurance agencies because quoted prices will be sent straight to your inbox. In the event you want to compare prices from a specific auto insurance provider, just visit that company's website and complete a quote there.

Picking the best insurance company requires more thought than just a low price. Before buying a policy in Charlotte, get answers to these questions.

Insurance losses by coverage

Which vehicles have a tendency to have claims? The tables below list the highest and lowest cars and trucks for the overall chance of having large claims.

Auto Insurance Liability Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Kia Optima
Audi A6 Hyndai Accent
Fiat 500 Mitsubishi Mirage
Volvo XC60 Chrysler 200
Subaru Outback Chevrolet Cruze
Subaru Forester Kia Rio

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Overall Losses Highest Overall Losses
Ford Edge Audi RS7
Chevrolet Colorado Nissan GT-R
Nissan Xterra BMW M6
Smart ForTwo Bently Continental GTC
Ford F-250 SuperCab Maserati Granturismo
Mini Cooper Maserati Ghibli

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Dodge Charger
Chevrolet Silverado 3500 Chevrolet Spark
Chevrolet Corvette Chrysler 200
Tesla Model S Mitsubishi Mirage
Ford Expedition Kia Forte
Audi A4 Allroad Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Chevy Spark Audi S7
GMC Sierra 2500 Maserati Granturismo
Ford F-350 Maserati Quattroporte
Chevy Silverado 2500 Mercedes-Benz S Class
Nissan Xterra Porsche Panamera GTS
Smart ForTwo BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Cheap insurance prices are available

As you quote Charlotte auto insurance, make sure you don't reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

In this article, we covered quite a bit of information on how to compare insurance car insurance rates in Charlotte. The key concept to understand is the more quotes you get, the better chance you'll have of finding low cost Charlotte auto insurance quotes. Consumers could even find that the best price on insurance is with some of the lesser-known companies.

Lower-priced insurance in Charlotte is possible on the web and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and most of the time these small, regional companies only sell coverage through independent agencies.

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