I can’t think of a single person who looks forward to paying premiums for auto insurance, especially when they know their premiums are too high. Due to the large number of insurance companies to choose from, it’s difficult to choose a lower cost insurer.
It’s important to compare rates occasionally because auto insurance prices are adjusted regularly by insurance companies. Just because you found the lowest price six months ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.
Free Leland auto insurance quotes
There are a lot of ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in Leland, or you can utilize online quotes to get rates in a matter of minutes.
Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company can provide price quotes based on the submitted data. This eliminates the need for quote requests to each company.
To compare rates using this form now click to open in new window.
The single downside to comparing rates this way is you can’t choose the insurers you want pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of low cost auto insurance companies in North Carolina. Click here for list of insurance companies in North Carolina.
Which method you use is up to you, but be certain you are entering apples-to-apples coverage information for each quote you get. If you use mixed coverages you can’t possibly truly determine the lowest rate in Leland. Even a minor difference in coverages could throw off the whole comparison. Just keep in mind that comparing a large number of companies helps locate the best price.
Your situation helps dictate your coverage
When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether or not you could use an agent’s help.
- Do I pay less if my vehicle is kept in my garage?
- What vehicles should carry emergency assistance coverage?
- Does my car insurance cover rental cars?
- Can I afford to pay high deductible claims out of pocket?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I need medical payments coverage since I have good health insurance?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Are insurance agents of importance?
Some consumers still prefer to sit down with an agent and that is a smart decision A nice benefit of getting online price quotes is you may find cheap auto insurance quotes but also keep your business local. And buying from local insurance agents is still important in Leland.
Upon completion of this quick form, your information is instantly submitted to local insurance agents in Leland that give free quotes for your coverage. You won’t even need to contact any insurance agencies since price quotes are sent immediately to you. You can most likely find cheaper rates without requiring a lot of work. If you need to compare rates from a particular provider, you can always visit that company’s website and fill out the quote form the provide.
If you want to buy auto insurance from an insurance agent, it can be helpful to understand the different agency structures and how they function. Agencies in Leland may be either independent agents or captive agents depending on their employer.
Independent Auto Insurance Agents (or Brokers)
Agents in the independent channel often have many company appointments and that gives them the ability to insure with a variety of different insurance companies and get the cheapest rates. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency.
When comparing auto insurance rates, it’s a good idea to contact several independent insurance agents in order to compare the most rates.
The following is a small list of independent agents in Leland who can help you get comparison quotes.
Nationwide Insurance – 322 Village Rd NE – Leland, NC 28451 – (910) 371-0770
Brad Sizemore Agency – 112 Village Rd NE # V – Leland, NC 28451 – (910) 383-9946
Leland Auto Insurance – 112 Village Rd NE # V – Leland, NC 28451 – (910) 383-9945
Captive Insurance Agents
These agents are contracted to one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Captive agents are unable to give you multiple price quotes so they really need to provide good service. These agents receive extensive training on sales techniques which helps offset the inability to provide other markets.
Finding the right insurance agent is decision based upon more than just a cheap price quote. These are some valid questions you should ask.
- Are all drivers listed on the coverage quote?
- Do the companies they represent have a solid financial rating?
- Will you work with the agent or an assistant?
- How are claims handled?
- Does the agent recommend any additional coverage?
- Is their price quote a firm figure or are their hidden costs?
Additional information can be read on the found here. North Carolina consumers can read consumer alerts, read industry bulletins, and read enforcement actions against agents and companies.
Also read more on NAIC.org’s Understanding your Policy and this link where you can get more info about Leland coverage.