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Asheville takes the top spot on our list of the cheapest auto insurance rates in North Carolina with an average annual rate of $725, which make it 10% more affordable than the rest of the state. We suggest drivers in Asheville consider obtaining quotes from Auto Owners, North Carolina Farm Bureau, Penn National, Titan, and Erie. As our top five most affordable companies near you, we found their average annual rate to be $622, a 14% reduction from the city wide average. Keep in mind North Carolina Farm Bureau requires a $25 membership fee and is open to people of non-farming professions as well. Numbering over 83,000 in residents, Asheville is home to the largest private residence in America, the Biltmore Estate, as well as the United States National Climatic Data Center, the world’s largest active archive of weather data. It has garnered recognition for an assortment of titles from “Beer City USA” to “Happiest City for Women”, to which we add the "Best City in North Carolina for Auto Insurance"!
If you find yourself away from the wheel more times than not, a pay-per mile auto insurance company like Metromile may be the best company to go with. Metromile is one of the first companies in the U.S. where a bulk of a driver's premium is determined by how much they drive. How much is too much? We found that generally for Metromile to be a good deal, drivers should only drive 7,500 miles or less per year. The biggest downsides to Metromile is a mediocre record of claims handling, in addition to the company only being available in seven states: CA, IL, NJ, OR, PA, VA, WA.
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.
Your auto insurance quotes can vary based on your circumstances. You should shop around for new car insurance quotes as often as possible! For the most part, car insurance policies are non-binding. If you find a better rate elsewhere, cancel your current policy and move on to the next. The remaining outstanding premium should be refunded back to you. Opportunities to look for cheaper rates include when you move, when you add or change a car to your policy, get married, or celebrate a birthday.
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.
Nationwide is the cheapest company for adding a teen driver to your policy, with Farmers second-cheapest. Bear in mind, the data above was generated by averaging the projected premium for a teen male driver and a teen female driver. A male teenager, on average, costs $239 more per year than does a female driver. This is because of the additional risk presented by a young male driver compared to a female driver. Nationwide is the cheapest insurer for a family with either a female or male teen driver.
After finding your dream car, choosing the correct car insurance policy is a less exciting task. It’s often boring, inconvenient, and expensive, but in order to protect your investment and follow the rules of the road, it's a necessity. The good news is, getting cheap car insurance quotes doesn't need to be difficult — let's review some tips on how to find quotes and end up with an affordable insurance premium.
In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.
Holy cow, car insurance quotes, amiright? To say they’re confusing is a massive understatement. There are just so many numbers. And acronyms. And terms no non-insurance expert should expect to understand. (PIP, anyone? Anyone?) And, while you can get a sense of how much your car insurance would cost — that number is usually prominently displayed right up top — understanding the rest of the quote, like how much protection you get and what you’re still on the hook for, is … well, something else.
Step 3: Review what you found. If you are able, print out the different quotes you obtained. Make sure all the information is accurate and comparable. See if there are any differences with added no-cost features. These may be the ultimate thing that you base your decision on. Also, check on the policy exclusions (items that are not covered under the policy).
That’s also hard to say. Beyond how much coverage you’re looking to buy, the cost of car insurance is affected by driving record, place of residence, type of car, how much you drive and your personal details (age, gender, marital status, etc.) But just so you have a frame of reference for what types of prices to expect, the average annual cost for car insurance was about $900 back in 2014.
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.
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.
Liability coverage is legally required in Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Virginia, the minimum is listed as 25/50/20 and explained below:
We have compiled all the car insurance requirements on a state-by-state basis so you can see at a glance what the minimum coverage is―and what other regulations you may need to comply with in your home state. This information can be especially useful when you are new to a state, or if you are a newly licensed driver. Choose your state below for car insurance requirements in your neck of the woods.
Looking for auto insurance? Start saving in just six minutes! For over 16 years, netQuote has connected visitors with the largest network of national and local auto insurance agents from the nation's top companies. Just tell us about your insurance needs, and we'll make sure you get an auto insurance comparison and big opportunities to save! From there we can have the insurance vendors contact you, or you can call them on your own schedule. Don't wait, the quicker you start the form the sooner you will be savings hundreds a year on auto insurance.
A large part of an insurance premium depends on the type of car you drive. Is it a Corvette? Lamborghini? Maybe a Ferrari? Or perhaps you drive a Chevy Volt? Each car will impact the base cost of your monthly insurance mainly for the replacement value of the vehicle. In fact, some states and auto insurance companies will not cover certain vehicles. Also, high theft risk cars cost more to cover as well. Hummers, for example, are more costly than other SUVs and one of the determining aspects is the Hummer is stolen more often than other models. Either way, your premium may be higher due to one of those situations. Since you probably won't be going out and buying a new car just to lower your auto insurance, it's good to know what else can affect the costs of a new policy.
Ehhhh ... I mean, you won't face a legal penalty. (They vary by state, but usually involve hefty fines. Plus, your license could get suspended.) In terms of adequate coverage, it depends on where you live. Some states have low minimums. In fact, many only require liability insurance, which covers property damage or bodily injury you cause other people. You would need other types of car insurance if you wanted coverage for damage to your car.