Hi my name is Wayne Bowen and I work out of the Boiling Springs location. I just wanted to tell you how honored I am to have been able to help families with their car buying needs for over 18 years and how excited I am to now say I help them with their Home and Car insurance along with helping them plan for the future and being completely covered and in Good Hands with Allstate. Stop by at one of our offices in Hickory, NC or Shelby, NC for many of your insurance needs.
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.
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.

Type of car: If you have an expensive or powerful car then you are seen as a higher risk for a number of reasons. If it’s expensive, it has a higher risk of being stolen. If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If you want to see how your car impacts your insurance, you can check which insurance group it’s in for an indication.  


You may have heard that men pay more than women for car insurance. This is true, because statistically men are more likely to engage in risky driving practices like speeding and driving under the influence, which results in more accidents. Massachusetts, Hawaii, and North Carolina do not allow gender to play a role in auto insurance rates, so drivers in those states don’t have to worry.
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.
Need help selecting the right car insurance coverage? You can chat online with one of our friendly professionals while you get your quote! Care for a more personal touch? Call 1­-800-­INFINITY and get the same friendly service over the phone! And don’t worry, we don’t outsource our customer service, so you will always be speaking with someone who works for Infinity and can answer all of your questions.
Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
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.
We analyzed auto insurance quotes for two sample drivers as a benchmark, and compared their costs in 80+ cities in the Tar Heel State. The analysis found that the average premium for our profiled drivers is $807 per year - the cheapest car insurance company in North Carolina cost nearly half as much as the most expensive company. For this reason, it's in consumers' best interests to get at least three quotes to make sure they're getting good rates for themselves. Enter your zip above to see which insurers are active near you, or for more information, read below:
This fee is when submission of an SR-22 is requested by the policyholder. According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked for an accident, conviction, or judgment are required to file and maintain a Form SR-22 with the Department of Public Safety. If you feel that you may be required to file an SR-22, contact the Department of Public Safety for further clarification.
Unlike quote comparison sites, lead generation sites simply sell your information to their advertising partners—typically insurance companies. These sites are not built to provide you with personalized quotes and are not much help when trying to compare car insurance rates. Avoid these sites unless you’re eager to receive tons of cold calls from insurance phone banks and desperate agents.
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.
The moral of our analysis is pretty straightforward: the only way to find the absolute best rate for you is to shop around frequently. By frequently, we are referring to any time your driving profile changes. Whether that's because of the driving factors we listed above but also if you had a birthday, if you moved, changed vehicles, got married, or even bought a house. Because you’re not locked into a contract with your insurance company, if you find a better rate elsewhere you are able to cancel your insurance and move on to a cheaper company. Use our insurance calculator here to see which company best fits your driving profile.
North Carolina requires minimum limits of $30,000 per person and up to $60,000 per accident for Bodily Injury Liability, and Uninsured Motorist Coverage. It also requires that drivers are insured for up to $25,000 for property damage. At higher levels of bodily injury coverage, North Carolina requires that insurers include combined Uninsured / Underinsured Motorist Coverage in the same policy.
Your location can have a huge impact on your insurance premium. Like many industries in the US, car insurance is regulated at the state level and is dictated by each state’s regulations. If you live in an area prone to floods, hurricanes, or wildfires, your rate will be elevated, as insurance companies compensate for these risks. Dive into the data and find check out your expected costs with our list of car insurance rates by city.
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 control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
It’s simple: If you drive a car, you need car insurance. Almost every state in the U.S. requires that drivers have at least basic liability coverage. You should also consider additional coverages, such as uninsured motorist coverage, collision coverage, personal injury protection and comprehensive car insurance to make sure you’re always prepared for the unexpected.
Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).
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