Trying to come up with a payment for pricey car insurance can draw down your savings and force you to make tough financial choices.
It’s hard to fathom, but 70% of consumers have been with the same company for at least four years, and virtually 40% of consumers have never shopped around. Charlotte drivers can cut their rates by nearly 10% a year by just comparing quotes, but they don’t understand how simple it is to save money by comparing rate quotes. Lots of auto insurance companies contend for your insurance dollar, so it’s not easy to compare every provider to discover the definitive lowest rate on Volkswagen e-Golf insurance in Charlotte.
You need to quote other rates occasionally since prices are variable and change quite frequently. Even if you got the lowest rates on Volkswagen e-Golf insurance in Charlotte a few years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to find out the best way to save money, get proper deductibles and limits, all at the lowest rate.
If you have a current car insurance policy or just want cheaper rates, use these tips to shop for the lowest rates and still get good coverage. Choosing the best rates in Charlotte is not rocket science. Shoppers just have to know the most time-saving way to get comparison rates online from multiple companies.
Finding a better price on car insurance is actually quite simple. You just need to take the time to get quotes to find the company with low cost Charlotte car insurance quotes.
It’s so fast and easy to compare price quotes online that it takes the place of having to drive around to insurance agents’ offices. The internet has reduced the need for local agents unless you have a need for the trained advice that only a licensed agent can provide. Although you can get the lowest quotes online but still have the advice of a local agent.
The providers in the list below are our best choices to provide free rate quotes in Charlotte, NC. If multiple companies are listed, we recommend you visit as many as you can in order to find the most competitive rates.
Take policy discounts and save on Volkswagen e-Golf insurance in Charlotte
Some insurers don’t list all possible discounts very well, so here is a list some of the best known as well as some of the hidden credits that may apply to you. If you don’t get every credit you qualify for, you are just wasting money.
- Driver Education Discount – Teen drivers should participate in a local driver’s education class if it’s offered in school.
- Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% with a few car insurance companies.
- Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
- Low Miles Discount – Fewer annual miles on your Volkswagen may allow you to get discounted prices on garaged vehicles.
- Membership in Organizations – Participating in a civic or occupational organization in Charlotte could trigger savings when shopping for car insurance.
Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Some of the insurance companies that may offer policyholders most of the discounts above include:
If you want cheaper Charlotte car insurance quotes, ask every prospective company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your state. To choose providers who offer discounts in Charlotte, click here.
Why you need quality insurance for your vehicle
Despite the high cost of buying insurance for a Volkswagen e-Golf in Charlotte, paying for car insurance is mandatory in North Carolina but it also protects more than you think.
First, almost all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability coverage in order to drive the car 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.
Second, if you have a lien on your vehicle, it’s guaranteed your bank will require you to have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Volkswagen at a much higher premium rate and require you to fork over for it.
Third, insurance safeguards both your car and your personal assets. Insurance will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your Volkswagen gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $825 a year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.
Auto insurance agents can find coverage gaps
Certain consumers would prefer to have an agent’s advice and that is not a bad decision Licensed agents can make sure you are properly covered and help in the event of a claim. One of the best bonuses of comparing rates online is the fact that you can find cheaper rates and still have a local agent. Supporting local agencies is important especially in Charlotte.
To help locate an agent, after submitting this simple form, your insurance data is sent to participating agents in Charlotte who will gladly provide quotes and help you find cheaper coverage. You won’t even need to contact an agency because prices are sent to the email address you provide. If you need to get a comparison quote from a particular provider, feel free to go to their quote page and give them your coverage information.
If you want a good insurance agency, you need to know there are two types of agencies and how they differ in how they quote coverages. Agents are considered either independent or exclusive. Either type can sell and service car insurance coverage, but it is important to understand the difference between them since it can impact the type of agent you choose.
Independent Car Insurance Agents
Agents of this type are not locked into one company so they can quote policies with multiple insurance companies and get the cheapest rates. If premiums increase, they simply move the coverage in-house and you don’t have to do anything. When comparing car insurance prices, you need to get rate quotes from independent agents to get the best comparison.
The following is a small list of independent agents in Charlotte that may be able to provide price quote information.
Agents that elect to be exclusive have only one company to place business with such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. These agents are trained well on the products they sell and that enables them to sell even at higher rates.
Listed below is a short list of exclusive insurance agents in Charlotte who can help you get price quote information.
Matt “Woody” Woodford – State Farm Insurance Agent
501 S Sharon Amity Rd #200 – Charlotte, NC 28211 – (704) 971-3030 – View Map
Choosing an insurance agency should depend on more than just a cheap price. These are valid questions to ask:
- Do they prorate repair cost based on vehicle mileage?
- How long have they been in business?
- Do the coverages you’re quoting properly cover your vehicle?
- Is every driver in your family covered?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will one accident increase rates?
- How are they compensated?
- If you raise deductibles, how much can you save?