The easiest way to get budget Buick Park Avenue insurance is to make a habit of comparing prices annually from different companies in Charlotte. Prices can be compared by following these steps.
- Learn about how companies price auto insurance and the modifications you can make to prevent expensive coverage. Many risk factors that drive up the price like multiple speeding tickets and an unfavorable credit rating can be improved by making minor changes to your lifestyle. Read the full article for additional tips to help find cheaper rates and get bigger discounts.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies.
- Compare the new rates to your existing rates to see if a cheaper rate is available. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
- Give notification to your agent or company to cancel your current coverage. Submit the signed application along with the required initial payment to your new agent or company. Be sure to put the new certificate of insurance along with the vehicle’s registration papers.
One tip to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each quote request and and to get rates from as many carriers as you can. Doing this enables a level playing field and plenty of rates choose from.
It’s a fact that car insurance companies don’t want you to compare rates. People who compare other rates are inclined to buy a different policy because there is a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that people who regularly compared rates saved as much as $865 a year compared to people who never shopped around for lower prices.
If finding the lowest rates on Buick Park Avenue insurance is why you’re here, then understanding the best way to shop and compare insurance rates can make it simple to find affordable coverage.
The majority of larger companies like Allstate, GEICO and Progressive provide price estimates on the web. This process is fairly straightforward as you just enter your required coverages into a form. Once you submit the form, the system will obtain your driving record and credit report and gives you a price quote.
Being able to quote online for Buick Park Avenue insurance in Charlotte helps simplify price comparisons, and it is important to compare as many rates as possible in order to get the best auto insurance rates.
To save time and compare pricing, consider comparing rates from the companies shown below. To compare your current rates, we recommend that you enter the insurance coverages exactly as they are listed on your policy. This helps ensure you will have rate comparison quotes for similar insurance coverage.
The companies shown below can provide free quotes in North Carolina. To get the best cheap auto insurance in North Carolina, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Auto insurance is not optional in North Carolina
Despite the potentially high cost of Buick Park Avenue insurance, paying for auto insurance is required for several reasons.
- The majority of states have minimum liability requirements which means the state requires specific limits of liability if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Park Avenue has a lienholder, most banks will require you to have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Buick for a much higher rate and force you to pay much more than you were paying before.
- Insurance protects both your Buick Park Avenue and your assets. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays for attorney fees and expenses in the event you are sued. If your Buick gets damaged, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. But the average driver in North Carolina overpays as much as $800 each year so compare quotes from several companies at every renewal to make sure the price is not too high.
Cheaper Charlotte insurance rates with discounts
Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. A few discounts will be applied when you complete an application, but less common discounts must be specifically requested prior to receiving the credit.
- Paperwork-free – A few insurance companies will discount your bill up to fifty bucks simply for signing on their website.
- Payment Discounts – By making one initial payment rather than paying monthly you can avoid the installment charge.
- Charlotte Homeowners Pay Less – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
- Driver’s Education for Students – Teen drivers should take driver’s ed class if offered at their school.
- Save over 55 – Drivers over the age of 55 are able to get a small decrease in premiums.
- Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply until age 25.
Don’t be surprised that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic.
A partial list of companies that may offer many of the previously listed discounts may include but are not limited to:
Check with each company the best way to save money. Some credits might not be offered on policies in Charlotte. To view companies that offer the discounts shown above in North Carolina, click here to view.
Different people need different insurance coverages
When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply.
For example, these questions can help discover whether or not you would benefit from professional advice.
- Does insurance cover tools stolen from my truck?
- Does my Buick Park Avenue qualify for pleasure use?
- What is the premium to book value ratio for dropping full coverage?
- What is roadside assistance coverage?
- I have a DUI can I still get coverage?
- Should I buy full coverage?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Compare rates but work with a local neighborhood Charlotte car insurance agent
Some people just want to get professional advice from a licensed agent and that is OK! An additional benefit of price shopping on the web is you can get lower rates but still work with a licensed agent.
To find an agent, once you fill out this short form, the quote information is emailed to companies in Charlotte that can provide free Charlotte auto insurance quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates AND an agent nearby. If you need to compare prices from a specific insurance company, you can always go to their quote page and complete a quote there.
Choosing the best provider needs to be determined by more than just the quoted price. Ask your prospective agent these questions:
- Does the agency have a current Errors and Omissions policy?
- How many years of experience in personal auto insurance do they have?
- Are they in the agency full-time?
- Will a damage claim use OEM or aftermarket replacement parts?
- What discounts might you be missing?
Best auto insurance agent in Charlotte
If you prefer to buy insurance from a local insurance agency, it helps to know the two types of insurance agents and how they can quote your rates. Insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to give you multiple price quotes so always compare other rates. Exclusive agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Drivers often purchase coverage from exclusives mostly because of the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive agents in Charlotte who may provide you with price quotes.
- Alex Williamson – State Farm Insurance Agent
4108 Park Rd #106 – Charlotte, NC 28209 – (704) 525-9995 – View Map
- GEICO Insurance Agent
4651 South Blvd Suite B – Charlotte, NC 28209 – (704) 523-2886 – View Map
- Kyle Fadeley – State Farm Insurance Agent
13551 Steelecroft Pkwy #120 – Charlotte, NC 28278 – (704) 588-5585 – View Map
Independent Agencies or Brokers
Agents of this type are normally appointed by many insurers so they can write business with any number of different companies and help determine which has the cheapest rates. If you want to switch companies, they simply move your policy to a different company and you don’t have to do anything.
If you are trying to find cheaper rates, we highly recommend that you compare prices from at least one independent agent to get the most accurate price comparison. Most also have access to companies you’ve never heard of who may have lower rates.
Shown below is a short list of independent insurance agents in Charlotte that can give you price quote information.
- The Hoffman Agency, LLC
2015 Ayrsley Town Blvd – Charlotte, NC 28273 – (704) 280-8585 – View Map
- Pegram Insurance
4420 C The Plaza – Charlotte, NC 28215 – (704) 563-4343 – View Map
- Mark McDuffie Insurance Agency
6101 Carnegie Blvd #415 – Charlotte, NC 28209 – (704) 364-9227 – View Map
Once you have received good responses to your questions as well as an affordable premium quote, you have narrowed it down to a car insurance agent that meets the criteria to service your policy. Just be aware that you are able to terminate coverage at any time so never assume you’re contractually obligated to any particular company for the entire policy term.
Coverages available on your insurance policy
Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.
Collision – This pays for damage to your Park Avenue resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as crashing into a ditch, sustaining damage from a pot hole, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Park Avenue in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Buick Park Avenue.
Because many people only purchase the least amount of liability that is required (North Carolina limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability car insurance – This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 30/60/25 which means a $30,000 limit per person for injuries, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims like medical expenses, funeral expenses, bail bonds and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. North Carolina state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more coverage.
The illustration below shows why buying low liability limits may not be adequate.
Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, damage from flooding, a tree branch falling on your vehicle, theft and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, doctor visits, prosthetic devices, pain medications and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Cheap auto insurance premiums are out there
Some companies may not provide online rate quotes and usually these regional insurance providers work with independent agents. Lower-priced auto insurance in Charlotte is possible both online and also from your neighborhood Charlotte agents, so you need to compare both so you have a total pricing picture.
As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.
Additional information can be found on the following sites:
- Learn About Car Insurance (GEICO)
- How Much is Auto Insurance for 17 Year Olds in Charlotte? (FAQ)
- How Much are Car Insurance Rates for a Company Car in Charlotte? (FAQ)
- Who Has the Cheapest Car Insurance for Retired Military in Charlotte? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)