Paying Too Much for Auto Insurance in Kannapolis, NC? Here’s How to Save!

I can’t think of a single person who enjoys paying for auto insurance, especially knowing their premiums are through the roof. With so many insurance companies to choose from, it is very difficult to find the most cost effective insurer.

It’s smart to compare rates every six months because insurance rates are constantly changing. Just because you found the best price a few years ago you can probably find a better price now. So ignore everything you know about auto insurance because you’re going to learn the quickest way to lower your annual insurance bill.

Buying affordable auto insurance coverage in Kannapolis is not that difficult. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. North Carolina vehicle owners only need an understanding of the tricks to compare rates over the internet.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some may not be applied and must be specifically requested prior to receiving the credit. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Drive Less and Save – Keeping the miles down could qualify for a substantially lower rate.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less than their less cautious counterparts.
  • Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums.

It’s important to understand that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But all discounts will cut your premiums.

Won’t my local insurance agent miss me?

Some consumers prefer to visit with an insurance agent and there is nothing wrong with that. Agents can point out coverage gaps and help file insurance claims. One of the great benefits of price shopping on the web is you can get better rates and still have an agent to talk to. Supporting local businesses is important particularly in Kannapolis.

To make it easy to find an agent, after completing this quick form, your insurance data gets sent to local insurance agents who will battle for your business. You don’t have to even leave your home as quotes are delivered to the email address you provide. How cool is that?!

What type of Kannapolis auto insurance agent is right for you?

When searching for a local agent, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Kannapolis are classified as either independent (non-captive) or captive. Either one can do a good job, but it’s good to learn the differences because it can influence buying decisions.Car insurance in Kannapolis

Independent Agencies or Brokers

Independent agencies are not employed by any specific company but rather can write business with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.

When shopping rates, we recommend you contact at a minimum one independent agency to have the most options to choose from.

Listed below is a short list of independent agents in Kannapolis that are able to give price quotes.

Schattner Agency – 1811 S Main St – Kannapolis, NC 28081 – (704) 933-8080
Kannapolis Insurance Inc – 1460 Dale Earnhardt Blvd – Kannapolis, NC 28083 – (704) 857-7092
Direct General Ins Agency – 2001 N Cannon Blvd # C – Kannapolis, NC 28083 – (704) 932-1007
Bill Reames Insurance – 1473 Dale Earnhardt Blvd – Kannapolis, NC 28083 – (704) 938-7701

Captive Insurance Agents

This type of agents can only place business with one company and examples are State Farm or Allstate. These agents are unable to place coverage with different providers so keep that in mind. These agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Shown below are Kannapolis captive insurance agents that can give you comparison quotes.

Allstate Insurance – 1525 Dale Earnhardt Blvd – Kannapolis, NC 28083 – (704) 932-3330
State Farm Insurance – 1610 Dale Earnhardt Blvd – Kannapolis, NC 28083 – (704) 938-4628

For a full directory of auto insurance agents in Kannapolis, please click here.

compare rates in Kannapolis NC

Selecting an auto insurance agent should depend on more than just a low price. Some important questions to ask are:

  • Do they review policy coverages at every renewal?
  • Are there any discounts that you might be missing?
  • Can glass repairs be made at your home?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Who is covered by the car insurance policy?

Upon getting satisfactory answers and an affordable coverage quote, you have narrowed it down to an insurance agent that is a good match to service your policy.

More information is located on the website for the North Carolina Department of Insurance. Click here for link. North Carolina drivers can find disaster information, learn about insurance regulations, download brochures, and find a variety of consumer forms.

Other informative sites include and this page for help finding agents in Kannapolis, NC.

Quote often and quote early

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability limits or collision coverage only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

Cheap auto insurance can be bought both online in addition to many Kannapolis insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.