Finding cheaper insurance for a new or used car in North Carolina could be a painful process, but you can use a few tricks to save time.

There is a better way to buy insurance and we'll show you the quickest way to quote coverages for a new or used and locate the lowest price from Roanoke Rapids insurance agents and online providers.

Consumers should take time to take a look at other company's rates at least once a year since prices change regularly. Just because you found the lowest price on insurance a few years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because you're going to get a crash course in one of the best ways to find better rates and still maintain coverage.

Auto insurance companies in Roanoke Rapids

The companies in the list below are ready to provide price comparisons in North Carolina. If multiple companies are listed, we recommend you click on several of them to find the most competitive auto insurance rates.

Insurance Rates for Popular Vehicles in Roanoke Rapids
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $942 $471 $79
Chevrolet Malibu LTZ $726 $363 $61
Chevrolet Silverado LS Regular Cab 4WD $688 $344 $57
Dodge Ram Crew Cab ST 4WD $794 $397 $66
Ford Escape Limited 2WD $502 $251 $42
Ford F-150 STX Super Cab 2WD $902 $451 $75
Ford Focus SES 2-Dr Coupe $992 $496 $83
Honda Accord LX-S 2-Dr Coupe $740 $370 $62
Honda CR-V EX-L 4WD $754 $377 $63
Honda Civic LX 4-Dr Sedan $780 $390 $65
Hyundai Sonata Limited 4-Dr Sedan $664 $332 $55
Kia Optima SX $754 $377 $63
Mazda 3 I SV 4-Dr Sedan $786 $393 $66
Nissan Altima 3.5 SR 4-Dr Sedan $938 $469 $78
Toyota Camry Hybrid $886 $443 $74
Toyota Corolla S $1,008 $504 $84
Toyota Tacoma Double Cab TRD Sport Package 4WD $708 $354 $59
Get Your Own Custom Quote Go

Prices above based on single male driver age 50, 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. Prices do not factor in zip code location which can modify premium rates noticeably.

Auto insurance premiums based on gender

The information below compares auto insurance rates for male and female drivers in Roanoke Rapids. The premium estimates are based on a clean driving record, no claims, full coverage, $100 deductibles, single marital status, and no discounts are applied on a Chevrolet Tahoe LTZ.

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

Liability only or full coverage

The example below examines Toyota Camry insurance rates with full physical damage coverage compared to only buying liability only. The premiums assume no accidents or driving violations, $100 deductibles, married male driver, and no additional discounts are factored in.

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

Should you pay for full coverage?

There is no specific rule that is best for determining when to drop full coverage, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's pretend your Toyota Camry replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your policy deductible. If premium cost is more than $600 a year for your policy with full coverage, then it might be time to buy liability only.

There are a few cases where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Roanoke Rapids auto insurance discounts

Insuring your fleet can be pricey, but you may be missing some discounts that many consumers don't even know exist. Some trigger automatically at the time of purchase, but less common discounts must be asked about in order for you to get them.Discount auto insurance

Discounts lower rates, but most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any qualifying discounts should definitely cut the premium cost.

For a list of insurance companies that offer multiple discounts in Roanoke Rapids, click here to view.

Buy cheaper auto insurance with these tips

Many different elements are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving record, although others are more obscure like your vehicle usage or how safe your car is.

The itemized list below are some of the items auto insurance companies consider when setting rates.

Liability is important - Liability insurance will protect you when you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.

Car features can affect auto insurance rates - Buying a car with advanced anti-theft systems can save you some money. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.

File a policy claims and pay more - If you file claims often, don't be surprised to see much higher rates or policy non-renewal. Insurance companies in North Carolina give most affordable rates to people who are not frequent claim filers. Auto insurance is meant to be used in the event of claims that pose a financial burden.

Auto insurance policy lapses increase auto insurance rates - Having a gap between insurance policy dates is a fast way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the North Carolina motor vehicle department to get your license reinstated.

Performance influences premiums - The type of car you are buying insurance for makes a substantial difference in your rates. Economy passenger vehicles normally have pretty low rates, but the cost you end up paying is determined by many additional factors.

Teenage drivers are expensive to insure - Older drivers are viewed as being more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.Inexperience drivers are statistically proven to be easily distracted when at the wheel of a vehicle so auto insurance rates are higher.

High credit score translates to low premiums - Having a bad credit history can be an important factor in calculating your auto insurance rates. Consumers who have excellent credit tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit rating leaves room for improvement, you could pay less to insure your vehicle by improving your credit score.

Better rates on vehicles with better crash test results - Vehicles with high crash test scores get lower rates. Safer cars reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims passed on to you as lower rates.

When should I get advice from a local insurance agent?

Many drivers still like to buy from a licensed agent and that is a smart decision Agents can point out coverage gaps and help you file claims. The best thing about comparing rates online is the fact that drivers can get better rates and still buy from a local agent. And buying from neighborhood insurance agencies is especially important in Roanoke Rapids.

Roanoke Rapids insurance agentsOnce you complete this form (opens in new window), your insurance data is sent to participating agents in Roanoke Rapids who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies due to the fact that quote results will go straight to your inbox. If you want to get a comparison quote from a specific insurance company, just jump over to their website and submit a quote form there.

Two different types of auto insurance agents

If you're trying to find a local Roanoke Rapids insurance agency, you must know there are a couple different types of agencies and how they can write your policy. Agents can be classified as either independent or exclusive depending on the company they work for. Either can sell insurance policies, but it's worth mentioning how they differ because it may have an impact on your selection of an agent.

Independent Insurance Agencies or Brokers

Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure with a variety of different insurance companies and find the cheapest insurance rates. If they quote lower rates, they can switch companies in-house and that require little work on your part. If you are trying to find cheaper rates, you will definitely want to contact at least one independent agent to get the best comparison. Most independent agents also contract with lesser-known insurance companies which can be an advantage.

Exclusive Agencies

Exclusive agencies can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point. Consumers often buy insurance from these agents partially due to loyalty to the company rather than having low rates.

Picking an auto insurance agent requires you to look at more than just a cheap quote. These questions are important to ask:

Best and worst vehicle claim statistics

Are you driving a vehicle that ranks well for claims? The statistics below outline the good and bad vehicles for the overall chance of having large claims.

Liability Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Chevrolet Impala
Subaru Outback Hyndai Accent
Subaru Forester Kia Optima
Mercedes-Benz SL Class Kia Rio
Audi A6 Chevrolet Sonic
Volvo XC60 Dodge Charger

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

Vehicles with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Leaf Bentley Continental GTC
Volvo V60 Mercedes-Benz S Class
Infiniti QX50 Maserati Granturismo
Chevy Silverado 2500 Bentley Continental GT
Nissan Xterra BMW M6
Smart ForTwo Maserati Quattroporte

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

Vehicle Models with the Lowest and Highest Collision Claims
Lowest Claim Amount Highest Claim Amount
Ford Edge Bently Continental GT
Ford F-250 SuperCab Bently Continental GTC
Chevrolet Colorado BMW M6
Smart ForTwo Bentley Continental Flying Spur
Jeep Wrangler Audi RS7
Mini Cooper Nissan GT-R

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

Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Mitsubishi Lancer
Ford F-350 SuperCrew Hyundai Accent
Ford F-250 SuperCrew Chevrolet Spark
Tesla Model S Chevrolet Sonic
Ford Expedition Dodge Charger
Audi A4 Allroad Nissan Versa

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

Quote. Compare. Save.

Consumers change insurance companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, lack of trust in their agent or even not issuing a premium refund. Regardless of your reason, finding a new company can be easier than you think.

We just covered many ways to find cheaper coverage online. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. You may even find the most savings is with a lesser-known regional company.

More affordable insurance in Roanoke Rapids can be sourced online as well as from independent agents in Roanoke Rapids, so you need to quote Roanoke Rapids car insurance with both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these small insurance companies work with independent insurance agencies.

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