No normal person loves paying for car insurance, particularly when it costs too dang much. With so many options, it is hard for the average consumer to find the right car insurance provider.
It’s important to take a look at other company’s rates before your policy renews since prices change regularly. Despite the fact that you may have had the lowest price a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the proper way to find lower rates on car insurance.
The quickest method we recommend to compare rate quotes takes advantage of the fact all the major auto insurance companies participate in online systems to give free rates quotes. The one thing you need to do is spend a couple of minutes providing details such as marital status, if it has an alarm system, your occupation, and if a SR-22 is required. Your details is instantly submitted to all major companies and they return rate quotes instantly.
To find the cheapest car insurance rates, click here and find out if lower rates are available.
Tailor your car insurance coverage to you
When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether you might need professional guidance.
- Does my insurance cover a custom paint job?
- Is my vehicle covered for flood damage?
- When do I need to add a new car to my policy?
- Should I buy additional glass protection?
- Can I afford to pay high deductible claims out of pocket?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Who is covered by my policy?
- Do all my vehicles need collision coverage?
- Am I covered if I wreck a rental car?
- Should I sign the liability waiver when renting a car?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Compare rate quotes but buy from a local Albemarle insurance agent
Many drivers just prefer to sit down with an agent and that is recommended in a lot of cases One of the best bonuses of comparing rates online is that you can find better rates and also buy local.
For easy comparison, once you complete this short form, your coverage information is transmitted to local insurance agents that give free quotes for your business. You won’t need to find an agent on your own because prices are sent to you directly. You can find lower rates and an insurance agent to talk to. If for some reason you want to quote rates from a specific company, don’t hesitate to find their quoting web page and fill out the quote form the provide.
Deciding on an insurance company should include more criteria than just the quoted price. The questions below may impact your decision as well.
- Is the quote a firm price?
- Will the agent help in case of a claim?
- Do they see any coverage gaps in your plan?
- Does the company use OEM repair parts?
- Are there any discounts for paying up front?
- What company do they have the most business with?
Two different types of auto insurance agents
If you are wanting to find a reliable agent, there are a couple of types of agencies to choose from. Albemarle agents can be classified as either captive or independent (non-captive).
Agents that choose to be captive can only place business with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to provide prices from multiple companies so keep that in mind. Captive insurance agents are well trained in insurance sales which helps them sell insurance even at higher premiums.
The following is a list of captive agencies in Albemarle who may provide you with price quotes.
Allstate Insurance – 1429 E Main St – Albemarle, NC 28001 – (704) 983-1613
Independent Agencies or Brokers
Independent insurance agents often have many company appointments so they can write business with any number of different companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, you absolutely need to get quotes from a few independent agents for maximum quote selection.
The following are independent insurance agents in Albemarle that can give you price quote information.
A M Tarlton Insurance – 115 Charter St – Albemarle, NC 28001 – (704) 986-2400
Michael D Mc Gowen Agency – 607 N 2nd St – Albemarle, NC 28001 – (704) 983-1557
Bobby Patterson Agency – 1111 E Main St – Albemarle, NC 28001 – (704) 983-5836
Advantage Insurance Inc – 160 N 1st St # 25 – Albemarle, NC 28001 – (704) 982-8211
Lillie Hancock Agency Inc – 129 N 1st St – Albemarle, NC 28001 – (704) 982-2221
To choose from more car insurance agents in Albemarle, click for a full listing of Albemarle insurance agencies.
If you feel you receive reasonable responses for all questions you ask and an affordable coverage quote, most likely you have located an auto insurance agent that meets the criteria to properly insure your vehicles.
Additional detailed information is available at the North Carolina Department of Insurance website. Visitors are able to download brochures, view agent and company licensing information, read industry bulletins, and find a variety of consumer forms.