Sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other North Carolina drivers.
Having so many auto insurance companies to choose from, it can be hard to find the most cost effective company.
It’s a good idea to compare rates yearly since insurance rates go up and down regularly. Even if you think you had the lowest rates six months ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the best way to find the best coverage while lowering your premiums.
How to Compare Auto Insurance in Burlington, NC
Most major insurance companies provide price estimates on their websites. The process is quite easy as you simply type in your coverage information as requested by the quote form. After you complete the form, the company’s rating system obtains reports for credit and driving violations and returns pricing information based on many factors. This makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.
The easiest way to find better auto insurance pricing is to use a quote form that gets price quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes price shopping online a little more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any or none of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the policy. It takes 15 minutes at the most and may save quite a bit of money.
To get comparison pricing now, click here and begin entering your coverage information. To compare your current rates, we recommend you enter coverages and limits just like they are on your policy. Using the same limits helps guarantee you will have a price comparison for exact coverage.
Do you qualify for a discount?
Auto insurance companies don’t list all available discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find savings tricks you should be using.
- Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.
- Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
- Sign Online – Some insurance companies may give you up to $50 just for signing your application over the internet.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.
- Defensive Driving Course – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
- Homeowners Discount – Simply owning a home can save you money because owning a home shows financial diligence.
- Safe Driver Discount – Safe drivers may save up to 50% more than their less cautious counterparts.
It’s important to note that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.
To choose companies with discount auto insurance rates in North Carolina, click here to view.
Can’t I compare rates from local Burlington agents?
Some consumers would prefer to get advice from a local agent. The biggest benefit of price shopping on the web is you may find better rates and still have an agent to talk to.
By using this quick form, your insurance coverage information gets sent to participating agents in Burlington who will return price quotes for your business. You don’t have to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy! It’s the lowest rates and work with a local agent.
Selecting a company shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Can glass repairs be made at your home?
- Which insurance companies are they affiliated with?
- Who is covered by the car insurance policy?
- Can they give you a list of client referrals?
- If you have an accident, will your rates go up?
- Is the agency involved in supporting local community causes?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Captive or Independent: There is a difference
When looking for a good insurance agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Burlington agents can either be independent (non-captive) or captive.
Captive Agents
Captive agencies write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot place coverage with different providers so always compare other rates. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage.
Listed below is a short list of captive insurance agencies in Burlington that can give you comparison quotes.
State Farm Insurance – 1325 S Main St – Burlington, NC 27215 – (336) 228-7076
Allstate Insurance Co – 3003 S Church St – Burlington, NC 27215 – (336) 584-1600
Independent Insurance Agents
Independent insurance agents do not work for one specific company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
When searching for an agent, it’s recommended you include multiple independent agents for the best price selection.
Shown below is a list of independent insurance agencies in Burlington that can give you price quote information.
Continental Insurance – 1624 S Church St – Burlington, NC 27215 – (336) 229-7102
Somers-Pardue Agency – 1125 S Church St – Burlington, NC 27215 – (336) 222-1866
Michael Glick Agency – 1105 S Church St – Burlington, NC 27215 – (336) 229-0229
Nationwide Insurance – 420 Alamance Rd # A – Burlington, NC 27215 – (336) 227-1650
Somers-Pardue Agency – 1137 S Church St – Burlington, NC 27215 – (336) 222-1866
For a full directory of auto insurance agents in Burlington, view this link.
Once you have positive feedback for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agency that will provide auto insurance coverage.
Additional detailed information can be read at the North Carolina Department of Insurance website. Visitors are able to learn about insurance regulations, find out which companies have the most complaints, and get help finding coverage.
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Cheaper insurance is a realistic goal
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
The cheapest auto insurance can be bought both online and with local Burlington insurance agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and these small, regional companies work with independent agents.