"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at Cheap Car Insurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]
If you intend to alter your vehicle in any way that makes it different from the standard model, which includes adding non-standard accessories, you will have to contact the insurance company. You will have to provide your insurer with a list of the alterations and accessories along with their monetary value. You also have the option to remove alterations and accessories from your policy by contacting the insurance company.

Results: Compare produced seven quotes ranging from $148 per month to $329 per month. The quotes were all from fairly obscure companies; I didn’t see any of the big-name providers. The site allowed me to customize coverage, but only by going back to the coverage selection part of the process—meaning that I had to wait for the quotes to re-load each time. It also didn’t allow as many customization options as Insurify. Only one of the quotes permitted online checkout; all the others required speaking on the phone with an agent. I did like that the quotes all let you choose between a pay-as-you-go policy (with a down payment) or a pay upfront policy (at a slight discount).

At $926 per year, Raeford ranks third on our most expensive local cities list for car insurance with an average cost 15% higher than the state average. Fortunately, drivers have opportunities to save on car insurance by considering insuring with Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie. As our top five most affordable insurers, we found rates at these companies to average $754, a value that is 19% less than the citywide rate for car insurance. North Carolina Farm Bureau has a $25 membership fee and is open to all Raeford residents - regardless of profession. The city is located in Hoke County with a square footage of 4 miles and a population of over 4,000. This small city was named after John McRae and A.A. Williford, two of the earlier settlers at the time. Car racing enthusiasts will find the the Rockfish Speedway in Raeford, where go-karts races are held.
The hardest part is finding out which auto insurance company will give you the most value for your money while providing the reliable coverage you need as a driver. You’ll never know if you’re getting cheap car insurance unless you compare it with other major insurance companies. To avoid overpaying for your current coverage, start comparing quotes today at Compare.com.
The type of car you drive matters. If you drive a vehicle that is listed as high theft, or more likely to be involved in an accident, expect to pay higher premiums. Even cars that have collision protection can actually drive up the price due to the cost of repairs. Other things that will drive the cost of repairs up is after-market installs. Things like rims, spoilers, and exterior lighting can be costly to repair. You will want to make sure that you have the right coverage to cover damage to after factory installs.

Whether you can get a cheap car insurance quote may come down to your zip code. If you live in a densely populated area, with a high number of auto insurance claims, your premium will be more expensive than that of a person living in a less dense and less claim-laden part of town. Even if you haven’t filed any claims, you could pay more based solely on your neighborhood.


Besides being legally required in almost every state, auto insurance is an incredibly important part of your financial safety net. The average car insurance claim in 2013 was over $15,000 for bodily injury and over $3,200 for property damage. Car insurance is there to cover medical bills, vehicle repair or replacement, and keeps you off the hook for injury and damage liability for others. Your premiums will go up if you cause an accident, but that’s better than the alternative.
2 Subject to deductible. See policy for restrictions. Not available in all states. Identity Protection Services are not available to auto customers in NC or NH nor with all policy forms. Identity Protection Services are available in NC homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 29% after a DUI, 33% after an at-fault accident, and 15% after a speeding ticket in Virginia. The post-citation penalties assessed by car insurance companies after speeding tickets and at-fault accidents in Virginia align with nationwide averages, but drivers receive lower-than-average rate hikes after DUI violations. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.
Second on our list of the most expensive places in North Carolina for auto insurance is Whiteville, NC. Originally named White’s Crossing, Whiteville is one of the oldest towns in Columbus County. Local educational institutions have a large presence here, with four community colleges that can be found in and around Whiteville. When it comes to car insurance, our benchmark drivers saw an average quote of $936 a year for full coverage, making the city 16% more expensive than the statewide average. To save money on car insurers we suggest drivers get quotes from Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie. Average quotes amongst these five companies were $754, which is equivalent to a 19% savings from the city wide average. Bear in mind that North Carolina Farm Bureau requires a $25 annual membership fee. All individuals can apply, regardless of their professions.
At First Security Insurance, we have been helping our customers achieve optimal insurance coverage and the rates they can afford for nearly 100 years. That means when you come to us for car insurance quotes, we’ll take the time to get to know your needs, make sure the quotes we give are accurate and reliable, and ultimately set you up with a policy that provides the security you need.
Florida - Learn more on Florida Department of Financial Services & Florida Office of Insurance Regulation Websites! Whether you live in Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville or any other FL city, you'll find all the help you need over here: Consumer Services, Licensee Search, Division of Insurance: Agent & Agency Services, Florida Office of Insurance Regulation, FLOIR: Consumer Resources, Florida's Insurance Consumer Advocate
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Step 1: Gather your information. To obtain a quote you will need birth dates, an email address, and a previous address in most cases. Also, know what type of car you are driving. This is more than make and model. Know what trim package you have, etc. These little things do matter. If you are currently insured, having your policy handy is not a bad idea.
Second, research your car. If it is an older model, then you may not need some of the add-ons such as comprehensive or uninsured motorist. It is not recommended to omit these coverages, but if your ultimate goal is to save money on your monthly payment, then you may want to consider it. Keep in mind that you will have to pay out of pocket later if you have an accident with an uninsured driver or if a tree falls on your car.
Insurance companies place a lot of weight on your credit score as they see it as a highly accurate way to determine risk. Studies by the Federal Trade Commission have shown that drivers with low credit scores not only file more claims than drivers with higher credit scores, but the actual dollar amount is greater than higher scoring drivers. Thus, they’re cheaper clients. On average, moving from one credit tier to the next among our selected insurers saves you an average of $344 a year.

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.


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.

Many companies advertise free auto insurance quotes. Any car insurance quote you receive is and should be completely free. Insurance companies want to incentivize you to purchase a car insurance policy from them, so they’re not going to charge you for an upfront assessment (the quote). When shopping around for insurance, remember you can find free car insurance quotes from a variety of sources.
Remember, price is just one piece of the car insurance policy puzzle. You also want to make sure you feel good about the insurer you’re doing business with. Do they have a good track record when it comes to paying out claims? Are they known for their customer service? Are they financially solvent? Fortunately, it’s pretty easy to get answers to these questions. In fact, sometimes, some important signifiers will be included with your auto insurance quote. The big stats to check when vetting an insurance company include:
Second, research your car. If it is an older model, then you may not need some of the add-ons such as comprehensive or uninsured motorist. It is not recommended to omit these coverages, but if your ultimate goal is to save money on your monthly payment, then you may want to consider it. Keep in mind that you will have to pay out of pocket later if you have an accident with an uninsured driver or if a tree falls on your car.
Some insurers offer discounts to drivers for a variety of reasons such as having a clean record, paying an annual premium all at once or being a safe driver for a certain period of time. If the insurance company you’re with offers more than just auto insurance, consider bundling all your insurance through them, like home and car insurance. Most companies offer a group discount, even if it’s just for more than one car.
Most insurers — and we're not just talking about auto insurance companies here — use some type of credit-based insurance score to help determine how risky a potential customer is. The practice is a bit controversial, which is why some states have laws against using it (see above). But the general thinking behind insurer credit checks is: If someone is bad with their finances, they might be irresponsible in other areas of life, too. You can learn more about how car insurance rates are determined here.
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