As with any credit check, a record of this search will remain on your file – and your credit rating will affect the amount of APR that you’re charged. If you have a poor credit rating, you may be charged up to 20% APR. And if you’ve struggled to pay credit in the past, or if you have a CCJ to your name, then you may be denied the option to pay monthly. If you think you’ll have issues with your credit rating, you can read our guide on improving your credit score.
Mebane, named after the Revolutionary War general and U.S. Congressman Alexander Mebane Jr, was originally called Mebanesville. The city is home to 11,300 residents, who are split between Alamance County and Orange County. It also takes the spot of the city with the 2nd best rates for car insurance in North Carolina. Rates here are 6% cheaper compared to the typical city in the Tar Heel State, with our sample drivers seeing average costs of $755 per year. For even more savings on auto insurance, we suggest comparison shopping at Auto Owners, North Carolina Farm Bureau, Penn National, Allied, and Erie. We found the top five most affordable companies to have average annual quotes of $650, which is 13% less than what the typical Mebane driver pays. Keep in mind that North Carolina Farm Bureau has a $25 membership fee, but all individuals, regardless of profession, are welcome to be members.
The amount of coverage is another big factor in determining your premium. If you're comfortable with a high deductible and the possible out-of-pocket expenses that might occur, you can lower your premium. Similarly, lower liability limits can also decrease your premium. But always remember that means you may pay more in the long run. For more detailed information, check out all of the great resources that netQuote has to offer to help you understand your car insurance comparison.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
While everyone loves to save money, when shopping for car insurance, price shouldn't be the only factor you consider. An Insure.com survey of 3,700 customers yielded the following results, with all scores out of 100.You'll see that though Geico is the cheapest car insurance company among those surveyed in Insurance.com's rate analysis, Allstate scored No. 1 in value for the price, customer service and claims handling. Allstate and Progressive have higher overall scores than Geico. Although by a narrow margin, Geico placed last on customer service, and was beat by Allstate, Nationwide and Farmers on claims handling.
Asheville takes the top spot on our list of the cheapest auto insurance rates in North Carolina with an average annual rate of $725, which make it 10% more affordable than the rest of the state. We suggest drivers in Asheville consider obtaining quotes from Auto Owners, North Carolina Farm Bureau, Penn National, Titan, and Erie. As our top five most affordable companies near you, we found their average annual rate to be $622, a 14% reduction from the city wide average. Keep in mind North Carolina Farm Bureau requires a $25 membership fee and is open to people of non-farming professions as well. Numbering over 83,000 in residents, Asheville is home to the largest private residence in America, the Biltmore Estate, as well as the United States National Climatic Data Center, the world’s largest active archive of weather data. It has garnered recognition for an assortment of titles from “Beer City USA” to “Happiest City for Women”, to which we add the "Best City in North Carolina for Auto Insurance"!
If you’ve ever compared car insurance rates, you know how many options are available. Depending on a variety of individual rating factors, certain companies will price your insurance differently. You could end up paying more by choosing the wrong company or failing to compare enough companies. We've outlined the factors that go into your car insurance premiums, as well as some tips for how to find the best possible rates. Let’s get started.
Across the board, the longer and with the higher limits you have insurance, the cheaper your premium will be. Using historical data, insurance companies see those with above state minimum requirements as less likely to file a claim or get into an accident. Because of the decreased risk you present, insurance companies tend to lower your rates. In essence, the longer you've been insured for, the lower your rates will be, with all other metrics kept constant.
Your car insurance premium is priced to fit you like a glove. Insurers evaluate your driving history, demographic data, and other metrics to determine what kind of customer you'll be. But from a consumer's perspective, the primary question is which company offers the cheapest insurance? We surveyed top auto insurance companies and assessed common rating factors to determine which insurer provides the cheapest car insurance quotes — even for young motorists or high-risk drivers.
Newer, cheaper cars tend to be cheaper to insure. Luxury cars have a higher sticker price and tend to cost more for as long as you use it. It’s worth buying a cheaper car, especially if you’re a young driver. If you haven’t purchased a car yet or are getting ready to shop for a different car, compare insurance prices for car models you’re interested in. The insurance price differences might surprise you.
Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie had the best rate when it came to insuring our driver's Toyota. These five companies average a premium of $680 for our sample drivers - that's a a 16% difference from the state mean. All these companies are national insurers, with the exception of North Carolina Farm Bureau. The Farm Bureau is an organization that requires membership and annual dues in order to be eligible for their auto insurance products. You don't have to be involved in the farming community to sign up, and member dues are $25 statewide in North Carolina.
Step 6: Make your choice. Now that you have weighed your choices, make your purchase. Be sure that you make all the choices that you made when you ran your quote. Make sure that there is nothing you have to do at the onset of your policy that will matter later on in your policy life, such as signing up for a safe driving tool that would give you a discount at a later date. Remember, your unique situation will determine which company is best for you.
In today's economy, we know money can be tight. At Nationwide, you can choose whether you want to pay monthly, quarterly or semi-annually. You also can choose to pay by check, debit or credit card, through the mail, online or over the phone. We also offer paperless billing, which allows you to save money on postage by scheduling recurring automatic payments and may qualify you for our one-time Easy Pay sign-up discount.
At Freeway Insurance, cheap car insurance doesn’t mean you have to sacrifice quality coverage in order to get a lower rate. We work with top insurance companies to get you the best coverage at the lowest price based on your specific needs. We’ve been helping customers save money on auto insurance for over 30 years and we can do the same for you — even if you’ve had tickets, accidents, a DUI, or require an SR-22. We can help anyone find low-cost auto insurance.
Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.