Are you trying to find more affordable insurance rates in Gastonia, NC? Searching for discount quotes on the web can be difficult for consumers that are not comfortable with quoting and buying their insurance on the web. Since there are so many online companies available, how are consumers expected to even start to compare every company to locate the best price?

Inconceivable but true, a large majority of consumers kept their policy with the same company for four years or more, and nearly half have never compared rates from other carriers. Many drivers in Gastonia could save almost 10% each year by just shopping around, but most undervalue how much they could save if they switched.

It's a good idea to get comparison quotes once or twice a year due to the fact that insurance rates change frequently. Even if you think you had the best premium rates on insurance on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because it's time to teach you the right way to remove unneeded coverages and save money.

You may qualify for discounts

Some insurance providers do not list all their discounts in a way that's easy to find, so the list below gives a summary of some of the best known and also the lesser-known discounts that you may qualify for. If they aren't giving you every credit available, you're paying more than you need to.Cheaper insurance with discounts

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free insurance policy, that's just not realistic.

To find insurance companies who offer free insurance quotes in Gastonia, click this link.

The fastest way that we advise to compare insurance rates in your area is to know the trick most larger insurance companies participate in a system to give you rate quotes. To begin a comparison, all you need to do is take a few minutes to give details such as driver ages, an estimate of your credit level, if a SR-22 is required, and whether your vehicle is owned or leased. That information is instantly sent to multiple top-rated companies and you will receive price estimates instantly.

To compare rates for your car now, click here and enter the information requested.

The companies shown below are ready to provide price quotes in North Carolina. If more than one company is shown, it's a good idea that you visit several of them to find the cheapest auto insurance rates.

Insurance Costs for Popular Vehicles in Gastonia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $810 $405 $68
Chevrolet Malibu Hybrid $1,068 $534 $89
Chevrolet Silverado Crew Cab Hybrid 2WD $866 $433 $72
Dodge Ram Crew Cab Sport 2WD $782 $391 $65
Ford Escape XLT 4WD $766 $383 $64
Ford F-150 Lariat King Ranch 4WD $646 $323 $54
Ford Focus SE 4-Dr Sedan $654 $327 $55
Honda Accord EX 2-Dr Coupe $854 $427 $71
Honda CR-V EX 2WD $664 $332 $55
Honda Civic Hybrid 4-Dr Sedan $634 $317 $53
Kia Optima EX $960 $480 $80
Mazda 3 S Sport 4-Dr Sedan $746 $373 $62
Nissan Altima 3.5 SR 4-Dr Sedan $822 $411 $69
Toyota Camry XLE $930 $465 $78
Toyota Corolla XRS $792 $396 $66
Toyota Prius $932 $466 $78
Toyota RAV4 Sport 2WD $970 $485 $81
Get Your Own Custom Quote Go

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in vehicle location which can influence coverage rates considerably.

Impact of age and gender on auto insurance rates

The chart below compares car insurance rates for male and female drivers in Gastonia. The premiums assume no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration on a Ford Escape XLT.

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

Rate comparison for different deductibles

The illustration below shows how different deductible levels and can raise or lower Toyota Corolla insurance rates for different categories of driver ages. Data assumes a married male driver, full coverage, and no additional discounts are factored in.

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

When to talk to an agent

A lot of people just prefer to visit with an insurance agent. The biggest benefit of comparing rate quotes online is that you can obtain the best rates but also keep your business local. And buying from neighborhood insurance agencies is definitely important in Gastonia.

Find insurance agent in GastoniaTo find an agent, once you fill out this quick form, your insurance coverage information is submitted to agents in your area who will return price quotes and help you find cheaper coverage. You won't need to do any legwork since rate quotes are delivered directly to you. You'll get the best rates without requiring a lot of work. If you need to compare rates from one company in particular, feel free to visit that company's website and submit a quote form there.

Different types of car insurance agents in Gastonia

If you want to use a local agent, you need to know there are two different types of agents and how they can write your policy. Agencies in Gastonia are considered either independent or exclusive depending on the company they work for.

Independent Car Insurance Agents

Independent insurance agents often have many company appointments and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If they quote lower rates, they simply switch companies in-house which is easy for the insured. When comparing rate quotes, we recommend you include price quotes from several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with small regional insurance companies who may have lower rates.

Exclusive Car Insurance Agencies

These type of agents can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot compare rates from other companies so always compare other rates. Exclusive agents receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. Consumers frequently buy from the same agent for years mainly due to the brand legacy and the convenience of having all coverages with one company.

Selecting an insurance agent requires more thought than just a low price. These are valid questions to ask:

If you get good responses in addition to an acceptable price estimate, most likely you have located an insurance agency that is reliable enough to insure your vehicles. Just remember you are entitled to cancel your coverage at any time so never assume that you are obligated to a specific agent indefinitely.

Three good reasons to insure your vehicle

Despite the potentially high cost of car insurance, insuring your vehicle is required in North Carolina but it also protects you in many ways.

First, most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to drive the car legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your vehicle, almost every bank will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your vehicle at an extremely high rate and force you to pay much more than you were paying before.

Third, insurance protects both your vehicle and your personal assets. Insurance will pay for most medical and hospital costs incurred in an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying enough insurance more than offset the price you pay, especially when you need to use it. According to a recent study, the average American driver is overpaying over $700 annually so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.

Insurance coverage breakdown

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 30/60/25 which means $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, bail bonds, court costs, attorney fees and structural damage. How much coverage you buy is your choice, but you should buy as much as you can afford. North Carolina requires drivers to carry at least 30/60/25 but you should consider buying higher limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as ambulance fees, hospital visits, X-ray expenses, nursing services and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.

Due to the fact that many North Carolina drivers carry very low liability coverage limits (30/60/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liability limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Claim statistics by make and model

Does your vehicle tend to have claims? The statistics below show the worst and best vehicles for the probability of having large claims for each type of coverage listed.

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 BMW M6
Volvo V60 BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Nissan Xterra Audi S7
Infiniti QX50 Maserati Granturismo
GMC Sierra 2500 Mercedes-Benz S Class

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

Lowest and Highest Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Mitsubishi Mirage
Mercedes-Benz SL Class Kia Rio
Subaru Forester Chevrolet Impala
Audi A6 Hyndai Accent
Acura MDX Dodge Charger
Volvo XC60 Chrysler 200

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

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Hyundai Accent
Chevrolet Silverado 3500 Mitsubishi Mirage
Ford F-350 SuperCrew Kia Forte
Ford Expedition Nissan Sentra
Audi A4 Allroad Dodge Charger
Tesla Model S Nissan Versa

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

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
Ford Edge BMW M6
Ford F-150 SuperCrew Bentley Continental Flying Spur
Ford F-250 SuperCab Maserati Ghibli
GMC Canyon Nissan GT-R
Chevrolet Colorado Bently Continental GT
Smart ForTwo BMW 6 Series

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

The most affordable rates come from being thorough

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, not issuing a premium refund and even questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider can be less work than you think.

A few companies may not provide online price quotes and these small, regional companies work with independent agents. Discount auto insurance is available online in addition to many Gastonia insurance agents, so you should be comparing quotes from both to have the best rate selection.

When getting Gastonia car insurance quotes online, never skimp on coverage in order to save money. There are many occasions where an insured cut full coverage and learned later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best possible price.

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