Want to save money and find more affordable insurance rates in New Bern, NC? New Bern drivers have a choice when trying to find affordable car insurance. They can either spend hours driving around trying to get quotes or use the internet to get rate quotes.

There are more efficient ways to shop for insurance and you need to know the absolute fastest way to compare rates for a and find the lowest price from both online companies and New Bern agents.

We hope to help you learn the best way to buy inexpensive car insurance and how to save the most money. If you are paying for car insurance now, you should be able to get lower rates using the techniques covered below. Smart shoppers just need to use the quickest method to shop instantly.

The car insurance companies shown below offer quotes in New Bern, NC. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in New Bern
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $970 $485 $81
Chevrolet Impala LTZ $918 $459 $77
Chevrolet Silverado LT Crew Cab 2WD $892 $446 $74
Dodge Grand Caravan Hero $822 $411 $69
Dodge Ram Crew Cab TRX 2WD $924 $462 $77
Ford Escape XLT 4WD $826 $413 $69
Ford Explorer Eddie Bauer 2WD $702 $351 $59
Ford F-150 Lariat King Ranch 2WD $942 $471 $79
Ford Focus SEL 4-Dr Sedan $682 $341 $57
Honda Accord EX 2-Dr Coupe $854 $427 $71
Honda CR-V EX 4WD $640 $320 $53
Honda Civic EX 2-Dr Coupe $1,098 $549 $92
Honda Odyssey EX-L $802 $401 $67
Hyundai Elantra SE 4-Dr Sedan $818 $409 $68
Hyundai Sonata SE 4-Dr Sedan $868 $434 $72
Nissan Altima 2.5 4-Dr Sedan $756 $378 $63
Nissan Rogue S 2WD $892 $446 $74
Toyota Camry Hybrid $856 $428 $71
Toyota Corolla S $1,046 $523 $87
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific location which can modify rates greatly.

Full coverage or liability only

The chart below illustrates the comparison of Ford Focus insurance rates with full phyical damage coverage and with liability coverage only. The rates are based on no violations or accidents, $250 deductibles, single female driver, and no policy discounts are applied.

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

Guidelines for eliminating full coverage

There isn't a steadfast formula of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's say your Ford Focus replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your policy deductible. If you are paying in excess of $400 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not a good plan. If you haven't satisfied your loan, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Premiums by gender and age

The information below visualizes the comparison of car insurance costs for male and female drivers in New Bern. The prices are based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied on a Toyota Camry Hybrid.

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

Should you raise deductibles?

The hardest decision when buying coverage is at what level do you set your deductibles. The figures shown below may help to conceptualize the premium difference of buying low and high policy deductibles. The first data table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

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

Ford Fusion insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
Fusion SE 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Fusion Hybrid 4-Dr Sedan $218 $440 $312 $18 $94 $1,107 $92
Fusion SEL 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Fusion Sport 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Fusion SEL AWD 4-Dr Sedan $242 $440 $250 $14 $74 $1,045 $87
Fusion Sport AWD 4-Dr Sedan $242 $440 $250 $14 $74 $1,045 $87
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Ford Fusion insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $118 $204 $250 $14 $74 $660 $55
Fusion SE 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
Fusion Hybrid 4-Dr Sedan $134 $276 $312 $18 $94 $834 $70
Fusion SEL 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
Fusion Sport 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
Fusion SEL AWD 4-Dr Sedan $150 $276 $250 $14 $74 $764 $64
Fusion Sport AWD 4-Dr Sedan $150 $276 $250 $14 $74 $764 $64
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in your specific New Bern location which can revise auto insurance rates greatly.

Based on the data above, we can derive that using a $250 deductible costs about $22 more each month or $264 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 34 months between claims, you would come out ahead if you choose a higher deductible.

Insurance policy discounts you can't miss

Companies don't always publicize all possible discounts in a way that's easy to find, so the following is a list of a few of the more well known as well as some of the hidden discounts that may be available.Save money with discounts

Don't be shocked that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies wouldn't make money that way.

A few of the larger companies and the discounts they provide are detailed below.

When getting a coverage quote, ask each company the best way to save money. Some discounts may not apply in your state. To choose insurance companies that offer the discounts shown above in New Bern, click this link.

Insurance agent or online?

A lot of people just prefer to sit down with an agent and that can be a great decision Insurance agents can help you choose the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find cheap insurance quotes but still work with a licensed agent. And buying from neighborhood agents is important particularly in New Bern.

New Bern insurance agentsTo help locate an agent, after submitting this simple form, your information gets sent to insurance agents in New Bern that give free quotes and help you find cheaper coverage. You never need to find an agent due to the fact that quote results will go straight to your inbox. If for some reason you want to get a comparison quote from a particular provider, just go to their quote page and fill out the quote form the provide.

If you are wanting to purchase insurance from a reputable insurance agent or broker, you need to know there are two different types of agencies and how they work. Insurance agents can be classified as either independent (non-exclusive) or exclusive. Both types of agents can write policy coverage, but it's worth mentioning how they differ since it can affect which agent you choose.

Independent Agents (or Brokers)

Agents that choose to be independent are not locked into one company and that allows them to write policies through many different insurance companies and find the cheapest insurance rates. If they find a lower price, an independent agent can move your coverage and you don't have to do anything.

If you need lower rates, you will want to get quotes from independent agents in order to have the best price comparison. Most also have access to less well-known companies who may have lower rates.

Exclusive Insurance Agencies

Agents that elect to be exclusive are contracted to one company like Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are well schooled on their company's products which aids in selling service over price. Drivers often use the same agent mostly because of the prominence of the brand and solid financial strength.

Picking the best auto insurance agent should include more criteria than just the quoted price. A good agent in New Bern will have answers to these questions.

Five tips to get lower New Bern auto insurance premiums

A large part of saving on auto insurance is knowing the factors that are used to determine your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower premium levels.

Why you need insurance for your vehicle

Despite the high insurance cost in New Bern, paying for insurance may be required for several reasons.

First, almost all states have mandatory insurance requirements which means the state requires a specific level of liability 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 your vehicle has a loan, more than likely the lender will require that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle at a more expensive rate and force you to pay for it.

Third, insurance preserves not only your vehicle but also your financial assets. It will also reimburse you for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of having insurance more than cancel out the cost, especially when you need to use it. An average driver in America is overpaying over $865 each year so it's recommended you shop around once a year at a minimum to make sure the price is not too high.

Insurance losses by coverage

Are you driving a high-claim vehicle? The next tables show the best and worst models for the probability of having large claims for each type of coverage.

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chrysler 200
Chevrolet Silverado 3500 Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-250 SuperCrew Hyundai Accent
Audi A4 Allroad Nissan Versa
Ford F-350 SuperCrew Chevrolet Sonic

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

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Kia Optima
Chevrolet Corvette Chrysler 200
Volvo XC60 Chevrolet Cruze
Acura MDX Chevrolet Sonic
Fiat 500 Kia Rio
Audi A6 Dodge Charger

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

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
GMC Canyon Bentley Continental Flying Spur
Smart ForTwo Audi RS7
Chevrolet Colorado Ferrari 458
Nissan Xterra BMW M6
Jeep Wrangler Maserati Ghibli
Ford F-250 SuperCab BMW 6 Series

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

Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Mercedes-Benz S Class
Nissan Leaf Porsche Panamera GTS
Chevy Spark Maserati Quattroporte
Infiniti QX50 Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Nissan Xterra Audi S7

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

Final considerations

Cheaper insurance in New Bern can be bought on the web and from local agencies, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer rate quotes online and most of the time these regional insurance providers work with independent insurance agents.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Throughout this article, we presented some good ideas how to shop for insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a lesser-known regional company.

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