We don't pretend to be cutting-edge; we actually provide fast, simple ways for you to personalize an auto policy with our own CoverageMyWay®, which helps you make smart choices with protection. And, of course, we don't make vague promises about affordable North Carolina auto insurance; we bring an array of discounts tastier than a hickory-smoked hog. Grab a North Carolina car insurance quote and find out what it's like to have coverage that doesn't just seem like the real deal — but actually is.
Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won't see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.
Liability insurance: Consider this the cornerstone of all car insurance policies, given it’s the type of coverage required by nearly every state. Liability insurance actually falls into two buckets. Bodily Injury (BI) covers the cost of any injuries (or death) that result from an accident you caused, while Property Damage (PD) covers the damage made to another vehicle or piece of property your car crashes into.
This is a $10.00 fee that is applied to your account for a reinstatement related to non-pay cancellations. For example, if you miss your payment due date, and cannot pay before the cancellation date on your non-pay cancellation notice, a $10.00 fee will be applied to your account if and only if you decide to reinstate your policy. Elephant will never charge you a reinstatement fee if your policy has been canceled in error.

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.
When shopping for affordable car insurance quotes, come in with a good idea of your vehicle's value via Kelley Blue Book and NADA. If you determine your vehicle is worth more than $4,000 but you need to save money, consider raising your deductible. Because your car insurance deductible and premium are inversely related, you can lower your bill by raising your deductible. Looking at the chart below, you can see how your premium is affected by adjusting your deductible.
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Virginia, the average teen driver pays $3,747 — approximately $1,200 less than the national teen driver average, but more than three times as much as an older driver in Virginia.
Whether you live in Dallas, Austin, Houston, or anywhere in the Lone Star State, Elephant Auto Insurance has you covered. Elephant offers affordable auto insurance coverage and many other products to Texas drivers. If you’re looking for the cheapest car insurance, our many discounts can help you save on Texas auto insurance. Get a car insurance quote online or call one of our licensed agents at 1-877-21-TRUNK.
The best way to save is by shopping around. In a study done in New York, the average driver can save up to $625 by switching car insurances. Insurance prices differ for all individuals based on age, driving history, credit history, car model etc. so it is best to always check with at least 2 or 3 providers before committing to a company. Here are ten ways to pay less than the average driver while still getting enough coverage.

When your life changes, your insurance needs may change as well. Life events like a change of residence or a new driver on your policy are a few of the things that can make your insurance premiums rise. That's why we offer members a free On Your Side® Review every year to make sure your insurance is keeping up with your life. We also want to make sure you’re taking advantage of the many benefits we offer, including discounts.
A higher deductible means lower premiums, your monthly or annual price. But if you get in an accident, you will have to pay more than if your deductibles were lower. For example, if you have a $500 deductible on a $2,000 accident, you’d pay $500 before your insurance company covers the other $1,500. With a $1,000 deductible, you’re paying $1,000 and your insurer covers the remaining $1,000.

NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
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