Are you doing reasearch to find the cheapest car insurance rates in Morganton, NC? There isn't anyone who fancies paying their premiums for car insurance, especially when they are aware that the cost is way too high.

Sad but true, nearly 70% of drivers renewed their policy with the same company for more than four years, and just short of a majority have never compared car insurance rates at all. Many consumers in North Carolina could save an average of roughly 10% each year, but they don't understand how simple it is to compare rates online.

Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the best coverage at the best price available on car insurance.

If you have insurance now, you will surely be able to buy cheaper insurance using this information. Locating the best rates in Morganton is actually quite simple. But North Carolina consumers can benefit by having an understanding of the way insurance companies market on the web and use this information to your advantage.

Keep in mind that comparing a wide range of rates will enable you to find the best price. Some regional insurers cannot provide quotes over the internet, so it's important to also get price quotes from them, too.

The companies shown below are our best choices to provide price comparisons in Morganton, NC. If several companies are displayed, we suggest you visit as many as you can to find the most competitive car insurance rates.

Insurance Rates for Popular Vehicles in Morganton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 4WD $972 $486 $81
Dodge Ram Crew Cab Sport 2WD $796 $398 $66
Ford Escape Limited 2WD $652 $326 $54
Ford F-150 Lariat Crew Cab Platinum 2WD $746 $373 $62
Ford Focus SES 4-Dr Sedan $610 $305 $51
Ford Fusion Sport AWD 4-Dr Sedan $1,022 $511 $85
GMC Sierra SL Crew Cab 2WD $792 $396 $66
Honda Accord EX 4-Dr Sedan $630 $315 $53
Honda CR-V EX-L 4WD $718 $359 $60
Honda Civic LX-S 4-Dr Sedan $882 $441 $74
Jeep Wrangler Sport 4WD 2-Dr $730 $365 $61
Nissan Altima Hybrid 4-Dr Sedan $1,080 $540 $90
Nissan Rogue S AWD $940 $470 $78
Toyota Camry Hybrid $870 $435 $73
Toyota Corolla XLE $800 $400 $67
Toyota Tacoma Double Cab TRD Sport Package 4WD $776 $388 $65
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can modify insurance rates considerably.

Morganton insurance costs by gender and age

The example below shows the comparison of insurance costs for male and female drivers in Morganton. The rates are based on no claims or violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration on a Toyota Camry SE.

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

Slash your car insurance rates with discounts

Car insurance is easily one of your largest bills, but you may find discounts that you may not know about. Many of these discounts will be applied automatically at quote time, but a few must be manually applied prior to getting the savings.Discount car insurance

Don't be surprised that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, car insurance companies aren't that generous.

A few popular companies and a selection of discounts are included below.

When getting a coverage quote, ask each company or agent how many discounts you can get. Savings may not apply to policies in your state. To choose insurers who offer discounts in Morganton, click here.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Your needs are unique to you so your insurance needs to address that.Auto insurance savings For example, these questions may help highlight whether your personal situation could use an agent's help.

If you're not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

What impacts Morganton auto insurance prices?

Consumers need to have an understanding of some of the factors that go into determining your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find much lower annual insurance costs.

Males pay more for car insurance - Statistics show women are more cautious behind the wheel. This data doesn't prove that men are WORSE drivers than women. Both sexes get in accidents at about the same rate, but the males have costlier accidents. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI). Male teenagers generally have the highest accident percentage so it costs more to insure them.

Pay more out-of-pocket - Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some coverage claims are colliding with a building, hail damage, and windstorm damage. Comp and collision deductibles are the amount of money you are willing to pay before a claim is paid by your company. The larger the amount you choose to pay out-of-pocket, the better rate you will receive.

More performance means more cost - The performance level of the vehicle you are trying to find cheaper insurance for makes a substantial difference in determining your rates. The best insurance prices are usually for lower performance four cylinder passenger models, but there are many factors that impact the final cost.

Buy as much liability insurance as you can afford - Your policy's liability coverage kicks in when you are ruled to be at fault for causing damage or personal injury in an accident. It will provide for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

Insurance rates in urban areas - Living in areas with lower population has definite advantages when insuring your vehicles. Fewer drivers means less chance of accidents and lower theft and vandalism rates. Drivers in populated North Carolina areas have traffic congestion and higher rates of accident claims. More time on the road means more chance of being in an accident.

Three reasons to insure your vehicle

Even though rates can get expensive, insuring your vehicle may be mandatory for several reasons.

The benefits of having insurance more than cancel out the cost, especially for larger claims. Today the average American driver is wasting up to $855 a year so it's recommended you shop around at least once a year to be sure current rates are still competitive.

Car insurance claim information

Is your vehicle likely to have claims? The next tables show the worst and best vehicle models for likelihood of filing claims.

Liability Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Chevrolet Impala
Audi A6 Kia Rio
Fiat 500 Chrysler 200
Acura MDX Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Cruze
Subaru Outback Hyndai Accent

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

Lowest and Highest Collision Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Maserati Ghibli
Chevrolet Colorado Nissan GT-R
Ford Edge Maserati Granturismo
GMC Canyon Ferrari 458
Smart ForTwo Bently Continental GTC
Nissan Xterra Bentley Continental Flying Spur

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

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 Bentley Continental GTC
Infiniti QX50 Maserati Quattroporte
Chevy Silverado 2500 BMW M6
Ford F-350 Audi S7
Nissan Xterra Mercedes-Benz S Class
Chevy Spark Porsche Panamera GTS

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

Lowest and Highest Medical Payment Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Mitsubishi Mirage
Ford Expedition Nissan Versa
Chevrolet Corvette Kia Forte
Land Rover Range Rover Sport Hyundai Accent
Tesla Model S Dodge Charger
Audi A4 Allroad Mitsubishi Lancer

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

Don't give up on cheaper rates

Low-cost car insurance in Morganton can be found on the web as well as from independent agents in Morganton, so you need to shop Morganton auto insurance with both to get a complete price analysis. Some insurance companies may not offer rate quotes online and usually these regional carriers only sell through independent agents.

We covered quite a bit of information on how to compare car insurance premium rates in Morganton. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a small mutual company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.

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