We know you are busy and the last thing you want to do is spend your precious time getting a car insurance quote. That is why we have made getting an affordable car insurance quote quick and simple. In as little as 3 minutes, you can get a car insurance quote from SafeAuto with coverages that are right for you - for the right price. We offer Bodily Injury and Property Damage for liability only insurance shoppers, as well as optional coverages such as Comprehensive, Collision, Medical Payments and much more. We offer 24/7 customer and sales support for all our potential and current customers so we are there when you need us. Another perk of SafeAuto insurance – our convenient payment options can make your monthly price more affordable and your car insurance can be even cheaper with SafeAuto discounts such as Multi-car and Senior Driver Improvement Course discounts.
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.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
In aggregate, our three most expensive cities in North Carolina ranked with a cost of car insurance that was 17% greater than the state mean. The average annual premium for these three cities was $946, which, while expensive relatively speaking in the state, actually fell on the cheaper side compared to other states the team has analyzed. These locations ranged vastly in size from populations of less than 5,000 to over 203,000.
You might wonder how auto insurance quotes are calculated. It's important to understand the primary goal of an insurance company is to effectively predict risk and assign premiums based on the risk a particular driver may pose. Car insurance companies assess your entire driving profile to estimate this risk, including factors such as location, demographics, insurance history, driving record, and vehicle.
What changes between each state’s auto insurance requirements is how much of each type of coverage is needed. Both bodily injury and property damage liability coverage is required in almost every state, and some states require personal injury protection and uninsured motorist coverage as well. Each state also has its own minimum liability limits, presented as bodily injury limit for a single person, bodily injury limit on the entire accident, and property damage limit.
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:
Compare popular auto insurance companies' financial stability and claims satisfaction ratings to better understand the quality of service they will provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — determines an insurer's financial strength and ability to meet its policy and contractual obligations.
Auto insurance companies attempt to predict and price the risk you and your vehicle pose in order to reduce their exposure. Keeping in mind the factors we just covered, the more risky you appear to your insurance company, the more you will be charged. Factors like age, marital status, and homeowner status, are less easy to change. Avoiding unnecessary claims, being smart with your coverage needs, and shopping around for car insurance quotes every so often are great ways to save on car insurance.
The type of vehicle you insure will impact your car insurance rate. Insuring a large truck or luxury vehicle is more expensive than insuring a sedan with standard trim. This is because collision and comprehensive coverage are designed to replace your vehicle in the event of an accident. The more it costs to replace your vehicle, the more it costs to insure it. Simple as that.
You might have a roommate or family member on your policy that no longer drives your vehicles. Or maybe you have a vehicle on your policy that is no longer being driven. Making sure driver and vehicle information is up to date may save you money. Keep in mind, if you do go down to just one car on your policy, you will lose the multi-vehicle discount.
Custom Parts/Equipment: This coverage is not used by everyone. But if you have after-market installations that are permanently attached to the vehicle you may want to consider this to cover your additions. The most important thing to know about this is that if you do have after-market installations, notify your insurance company or they may not be covered if you are in an accident.
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