To decide which companies were the best rated, we decided to take a look at which ones received the least complaints relative to their business size. Using data from the North Carolina Department of Insurance, we calculated a complaint index that compares the number of complaints to the number premiums in dollars. Below is a table ranking the insurance companies in North Carolina by the lowest index numbers (best) to highest (worst) complaint index. If the index is less than one, the insurer is better than the average, and if it is greater than one, it is worse than the average. For example, if the company’s complaint ratio is 1.15, the company has a 15% higher share of complaints compared to its market share.
Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you launch your quote hunt, review your existing policy and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.
Oh, there are a whole bunch. The big ones include good driver discounts (for going long enough without a moving violation); affiliation discounts (for belonging to a group, like AAA or AARP, that partners with the insurer); low-mileage discounts (for, you know, low mileage) and car safety feature discounts (for installing stuff like emergency break assistance or collision avoidance systems). You can find a full list of common car insurance riders and discounts here.
Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PSIA's commission. Discounts not available in all states and situations.
Different people can pay drastically different prices for car insurance at the same company. Compare car insurance companies that can offer you the best deal for you individually, not across the board. You can also compare local insurance companies, which tend to have higher customer satisfaction rates than their big-name counterparts and could potentially have lower rates.
Results: After working my way through the DMV.org quoting process, I discovered that they don’t actually provide car insurance quotes. Instead, they just provide you with links to other websites where you can get a quote. In my case, it gave me exactly two links: to Esurance and Allstate. Clicking a link to go to one of these websites required me to start all over with the quoting process, leaving me wondering why I’d bothered with DMV.org in the first place.
You will need to know the make, model, year and VIN (Vehicle Identification Number). An online quote form may be able to pre-fill a large portion of this information by using the VIN found on the dashboard under the windshield or your state’s vehicle registration paper work. Sometimes an insurance form may ask you to differentiate between the different models and security features.
Below is a table with the three companies with the lowest auto insurance rates for ten of the biggest cities in the state. This will help motorists see a local view of who has the cheapest rates in their hometown. However, these rates are for our single male sample driver, so it is important to remember that your rates will differ based on your vehicle, driving record, and other factors. Auto-Owners, Allied, and North Carolina Farm Bureau dominated as the top three cheapest car insurance companies across the 112 cities we surveyed.
Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn’t much help.
This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).
The car your drive makes a big difference in your insurance rate. Vehicles built for performance, with high MSRP (manufacturer's suggested retail price), and foreign-built models are often costlier to insure. Vehicles that don't cost as much to repair or aren't built for faster driving — such as vans and sedans — are correspondingly cheaper to insure.
It's hard to say. You might see rates change as you age, but they don't always go down, so much as they level out or increase at a lower rate. (Remember, the rules of inflation are in effect.) And that assumes you don't incur any red marks on your driving record. As for a change in marital status, you generally have to contact your insurer to get a rate decrease — and if your spouse has a less-than-stellar driving record, well, again, you mind wind up paying more.
First, you can play with your deductible. We all like to have the least amount of out of pocket expense if we are involved in an accident. However, the lower the deductible, the higher your premium will be. Select a higher deductible amount. If you have chosen a $500 deductible, rerun your quote with a $1,000 or higher deductible. This will assuredly lower your overall premium.
For instance, a moving violation affects your driving record for three years in most states. Once you know it has been three years since your ticket, there’s no need to wait for your current auto policy to expire. You can immediately quote a new policy that will no longer charge you for that violation. The same goes for an at-fault accident, which will typically affect your rate for three to five years (but can vary by state and carrier). In addition, Progressive offers discounts for being ticket- and accident-free.
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.
We can help you figure out if you need rental car insurance. The short take: If you don't have auto insurance, yes, you most likely need coverage. If you have robust car insurance, you might simply need a collision damage waiver as it’s the only way to ensure you won’t pay the rental company any damages in case of an accident. Of course, it gets more complicated from there. For the long take on car rental insurance, head here.
To change any information pertaining to the registration of your car or the regular driver, you have to contact the insurance company. You will need to give them the number of your policy and/or the registration number of your vehicle, as well as your mailing address, which must coincide with the address on our policy, and your birth date when submitting your request. Some details you will have to provide them with when changing the details of a regular driver include:
Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for more than 3,600 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.
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.