It’s easy to assume that car insurance companies want to prevent you from shopping around. Drivers who compare price quotes will, in all likelihood, buy a new policy because there is a good chance of finding coverage at a more affordable price. A recent survey discovered that people who compared rates regularly saved about $850 each year as compared to drivers who never shopped around.
If finding discount rates on auto insurance is your ultimate objective, then learning about how to get free comparison quotes and analyze coverage rates can make the process more efficient.
If you want to find the absolute lowest rates, then the best way to get discount car insurance rates is to make a habit of comparing prices annually from insurance carriers that sell auto insurance in Charlotte.
First, get a basic knowledge of how companies set rates and the factors you can control to keep rates low. Many rating criteria that increase rates such as traffic tickets, fender benders, and an unacceptable credit rating can be amended by making minor changes in your lifestyle.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can quote prices for a wide range of companies.
Third, compare the price quotes to the premium of your current policy and see if you can save money. If you find better rates, ensure coverage does not lapse between policies.
The most important part of shopping around is to try to compare similar coverage information on each quote request and and to get rates from every company you can. Doing this enables the most accurate price comparison and a thorough price selection.
The are a couple different ways to compare quotes from different Charlotte insurance companies. The easiest way by far to lower the rate you pay for Cadillac Seville insurance consists of obtaining rate quotes online.
When quoting auto insurance, remember that comparing more quotes increases your odds of finding better pricing.
The following companies are ready to provide price quotes in Charlotte, NC. In order to find the cheapest auto insurance in NC, it’s a good idea that you visit several of them to get the lowest price.
What insurance coverages do I need?
Always keep in mind that when comparing proper insurance coverage, there is no best way to insure your cars. Each situation is unique.
These are some specific questions might point out if you will benefit from professional help.
- What is an umbrella policy?
- Is my cargo covered for damage or theft?
- Am I insured when driving a different vehicle?
- Am I covered if I break a side mirror?
- Are all vehicle passengers covered by medical payments coverage?
- What happens if I owe more than my Cadillac Seville is worth?
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Local Charlotte insurance agencies and car insurance
A lot of people would rather buy from a licensed agent and that can be a smart move One of the great benefits of comparing insurance prices online is the fact that drivers can get the best rates and still choose a local agent.
To find an agent, once you fill out this simple form, the quote information is transmitted to participating agents in Charlotte who will give you quotes to get your business. You never need to contact any agents as quotes are delivered to you directly. You’ll get the best rates without a big time investment. If you want to get a rate quote from a specific insurance company, just visit that company’s website and complete a quote there.
Finding the right insurance company should include more criteria than just the premium amount. The questions below may impact your decision as well.
- Do they get extra compensation for selling add-on coverages?
- Does the agency have a positive business rating?
- Will they take your side in the event of a claim?
- Do they have designations such as AIC, CPCU, or CIC?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How much experience to they have in personal lines coverages?
- Do the coverages you’re quoting properly cover your vehicle?
- Is assistance available after office hours?
If you are searching for a good Charlotte insurance agent, there are two different agency structures and how they are slightly different. Agents can be classified as either exclusive agents or independent agents.
Exclusive Car Insurance Agencies
Exclusive agents normally can only provide a single company’s rates such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to compare other company’s rates so keep that in mind. Exclusive insurance agents are well trained on their company’s products which helps overcome the inability to quote other rates. Some people will only choose to use a exclusive agent mostly because of the prominent brand name rather than low price.
Shown below are exclusive agents in Charlotte who can help you get price quotes.
- Sarah Highfill – State Farm Insurance Agent
7845 Colony Rd – Charlotte, NC 28226 – (704) 541-9999 – View Map
- Gene Haynes – State Farm Insurance Agent
8316 Medical Plaza Dr a – Charlotte, NC 28262 – (704) 549-1515 – View Map
- Allstate Insurance: Michael Randolph
1001 W W.T. Harris Blvd m – Charlotte, NC 28213 – (704) 549-1710 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent do not sell for just one brand and that enables them to quote your coverage through lots of different companies depending on which coverage is best. If prices rise, they simply move your policy to a different company which requires no work on your part. If you are trying to find cheaper rates, you definitely need to compare quotes from a few independent agents for the best price selection. Most independent agents also contract with additional companies that you may not be familiar with that many times have cheaper rates.
Shown below is a list of independent agencies in Charlotte that are able to give price quotes.
- Pegram Insurance Agency
9010 Glenwater Dr #103 – Charlotte, NC 28262 – (704) 494-9495 – View Map
- Charlotte Insurance
5113 Piper Station Dr #207 – Charlotte, NC 28277 – (704) 536-0995 – View Map
- Patriot Insurance Agencies
9620 Monroe Rd – Charlotte, NC 28270 – (704) 644-3058 – View Map