In today’s day and age, Americans demand improvement over the old way of doing things. We demand that something be better, faster, easier and cheaper than before. This is also true when looking for car insurance quotes in North Carolina.
We want the process to be simple, quick and that it produce the cheapest rates. This site meets those demands.
We help you cut down on the time you spend searching for the right company by showing you who the top insurers in the state are based on our own research and what other buyers are saying online.
You don’t have to start your insurance shopping with all the mediocre firms out there.
We’ve already done the comparisons and hand selected the providers that are proven to be among the very best and have the most affordable rates.
This allows you to skip through the companies that aren’t worth your time and focus on the ones that can give you cheaper coverage.
You’ll save time as well as money.
So who has the cheapest auto insurance in NC?
Farm Bureau Insurance – was started in 1953 and is a local company based in Raleigh. They get good reviews online from customers as well as from industry insiders for their price and service. Their website makes it easy to find what you’re looking for and allows you to make payments online.
You can even setup recurring payments so you’ll never forget to pay. One of the unique things about this insurer is that they are not a publicly traded company and are actually owned by their policyholders. That’s as local as it gets.
Auto-Owners Insurance – has a big footprint in North Carolina and offers good rates, good claims service, and an easy application process. The company is over 100 years old with a strong financial track record. If you decide to get a quote from them, be sure to ask about their discounts and other money-saving features.
They also have many different payment options that make it convenient for their North Carolina customers to pay. Overall, they are a good, solid company that can keep your costs down.
Geico Auto Insurance – recognized in the Tar Heel state as having good rates and for being customer friendly, which is uncommon for a big company. You can get a quick quote from their site and then compare that to other insurers on this list. Equally important, a driver with almost any type of driving record can get fairly good rates with them, as compared to other insurers.
Your family members can save too and the rates for young drivers are fair.
Drivers in every city and town can save more on their car insurance by going with one of the insurers listed above. It makes no difference if you live in a bigger city like Charlotte, Raleigh and Greensboro, or a smaller town like Bald Head Island, Emerald Isle and Carolina Beach, those companies can help you save more.
North Carolina Car Insurance Laws
To drive on the road legally in NC, you have to meet the state’s minimum insurance requirements.
And by knowing these rules, not only will you be in full compliance with the laws, you’ll also be able to recognize when an auto insurer is giving you a rate that is too good to be true.
So if you get a quote that sounds like too good of a deal, it’s probably because they aren’t giving you enough coverage – they aren’t meeting the state’s minimums. And that’s a sure sign you’re dealing with a bogus company.
Avoiding that scenario means you first need to know what your minimum obligations are. This section tells you what those minimums are…
- You need at least $30,000 Bodily Injury for each person
- You need at least $60,00 Bodily Injury for all people
- You need at least $25,000 of property damage liability coverage
All of these figures are the totals required for each accident you motor vehicle is involved in. And, on top of the coverage listed above, you also need Uninsured Motorist coverage in case you are involved in an accident in which the other driver isn’t insured.
But knowing the minimum requirements for auto insurance in NC is only the first step. You then must decide how much coverage you need. If you have an old car that isn’t worth much money, then the state minimums will probably be all the coverage you need. If, on the other hand, you have a newer car or a car that is worth $5,000 or more, then you’ll want more coverage than just the minimum.
You might want to get collision or comprehensive coverage depending on your life’s circumstances and current situation.
You should also consider increasing the amount of coverage if you have family members that drive your vehicle. You’ll want to make sure they are protected and taken care of if they happen to get into an accident.
The extra coverage might be worth it.
Additionally, you can add to the amount you save by asking your insurer what kinds of discounts they offer.
Many NC car insurance companies offer discounts for being a safe driver, for insuring more than one car with the company, for having an auto alarm installed in your vehicle, and for simply being a homeowner.
These are just a few of the discounts offered. There may be others; you just have to ask your agent. You can also search for insurance in surrounding states like South Carolina and Virginia.
Enjoy a Drive with a View…
There are many things you can do with the money you saved from your new insurer and policy. Unless you need the money for an emergency, why not use it to check out the incredible scenery North Carolina roads have to offer? Why not use it to explore this great territory known as the Tar Heel State?
Here’s a list of some cool and scenic drives you can take…
The Blue Ridge Parkway would be a great place to start your fun travels through the state. It offers some of the most spectacular views in all of America – not just the state.
The Outer Banks Scenic Byway is another driver with a spectacular view. It’s truly one of the coolest drives you will ever take. It’s rare that you would have 2 of the most stunningly picturesque highways within the same state. But North Carolina pulls it off.
If you live near Morganton, then the Pisgah Loop Scenic Byway will provide you with enough to talk about while driving. Actually, you might just want to enjoy the views and discuss it afterwards. It’s that good.
So Many Possibilities…
No matter where you decide to go, what roads you decide to travel, you can pay for these adventurous rides by using the money saving tools and tips mentioned above.
Obviously, there are many other places you can visit with the cash you save on your car insurance in North Carolina – too many to list here.
But if you put the advice talked about on this page to good use, you’ll have the extra funds you need to pay for a mini-vacation within this enchanting state.
And you’ll have all the coverage you need – at a price that will make your wallet and bank account smile.
So whether you’re a biologist in Asheville, a cabinetmaker in Durham, a computer technician in Wake County, or a librarian in Mecklenburg County – you can enjoy your travels a little more knowing you’ll be covered if something happens on the road. And you will be covered at a great rate.
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