How long has it been since you sat down and looked for low-cost Lexus RC 300 insurance in Greensboro? I can’t think of a single person who likes paying for car insurance, especially knowing the cost is too high.
Astonishing but true, most car insurance buyers kept their coverage with the same car insurance company for more than four years, and nearly 40% of drivers have never quoted rates to find affordable coverage. Most drivers in North Carolina could save 10% each year by just shopping around, but they don’t believe the amount of savings they would get if they replace their high priced policy.
How to find better rates for Lexus RC 300 insurance in Greensboro
Really, the only way to get low-cost auto insurance rates in Greensboro is to compare quotes annually from insurers in North Carolina.
- Spend some time learning about policy coverages and the things you can control to drop your rates. Many things that are responsible for high rates such as accidents, careless driving, and a not-so-good credit score can be rectified by being financially responsible and driving safely. This article provides ideas to prevent rate hikes and find overlooked discounts.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers. Begin your rate comparison
- Compare the new rate quotes to your current policy to see if a cheaper price is available in Greensboro. If you find better rates and change companies, make sure there is no coverage gap between policies.
- Provide notification to your current company to cancel your current policy and submit a completed policy application and payment to the new insurer. Once the paperwork is finalized, place the new proof of insurance certificate along with your vehicle registration.
An important part of this process is to make sure you enter similar limits and deductibles on every price quote and and to get prices from every company you can. Doing this provides an apples-to-apples comparison and a complete price analysis.
There is such a variety of insurers to choose from, and though it is a good thing to have a choice, more options can take longer to find the lowest rates for Lexus RC 300 insurance in Greensboro.
We hope to help educate you on how to compare rates easily and how you can save the most money. If you have insurance now, you will be able to reduce premiums using this strategy. But North Carolina car owners benefit from understanding the way companies sell insurance online.
Best companies for competitive Lexus RC 300 insurance in North Carolina
The car insurance companies shown below offer comparison quotes in Greensboro, NC. To find cheaper auto insurance in North Carolina, we recommend you compare several of them to find the lowest car insurance rates.
Get cheaper rates by taking advantage of discounts
Some providers do not advertise all discounts in a way that’s easy to find, so below is a list a few of the more common in addition to some of the lesser obvious credits available to you.
- Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a discount up to 10%.
- Service Members Pay Less – Having an actively deployed family member could be rewarded with lower premium rates.
- No Charge for an Accident – This isn’t a discount exactly, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
- No Accidents – Insureds with no claims or accidents can save substantially compared to policyholders that have many claims.
- Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their Greensboro auto insurance quote than less cautious drivers.
- Discount for Swiching Early – A few insurance companies allow discounts for switching policies prior to your current RC 300 insurance policy expiration. It could save around 10% when you buy Greensboro auto insurance online.
Just know that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
A few popular companies and their possible discounts can be found below.
- GEICO may include discounts for good student, anti-lock brakes, daytime running lights, five-year accident-free, anti-theft, and driver training.
- Travelers offers premium reductions for new car, home ownership, continuous insurance, multi-policy, and multi-car.
- Nationwide offers discounts for accident-free, anti-theft, multi-policy, Farm Bureau membership, good student, and defensive driving.
- Farmers Insurance may offer discounts for teen driver, pay in full, distant student, mature driver, and good student.
- Esurance policyholders can earn discounts including multi-car, DriveSense, claim free, emergency road assistance, anti-lock brakes, and multi-policy.
- State Farm discounts include defensive driving training, student away at school, multiple autos, accident-free, and driver’s education.
- Progressive includes discounts for multi-vehicle, good student, online signing, continuous coverage, and online quote discount.
- Mercury Insurance may have discounts that include multi-policy, anti-theft, age of vehicle, multi-car, and accident-free.
Before purchasing a policy, check with each company or agent which discounts you qualify for. Some discounts listed above may not be offered in Greensboro.
How Car Insurance Companies Determine Lexus RC 300 Insurance Rates
Lots of things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, although others are less apparent like where you live or how safe your car is. Consumers need to have an understanding of some of the factors that go into determining your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that can earn you lower rates.
- Don’t skimp on liability protection – The liability coverage on your policy kicks in if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
- Prices are impacted by vehicle performance – The type of vehicle you are buying insurance for makes a substantial difference in how high your rates are. The lowest premiums will generally be found on small economy passenger cars, but that’s not the only thing that factors into the final price.
- Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes are in auto accidents at about the same rate, but males have accidents that have higher claims. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
- Age of drivers impacts rates – More mature drivers are more responsible, are lower risk to insure, and usually have better credit. Drivers with little experience have been known to be easily distracted when driving with friends so auto insurance rates are higher.
- Too many insurance claims and you’ll pay more – If you frequently file small claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies in North Carolina generally give cheaper rates to drivers who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
- How’s your driving record? – Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Only having one ticket can increase rates by as much as thirty percent. Drivers who have severe violations such as reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
- Only buy what you need – There are a ton of extra add-on coverages that can add up on your RC 300 policy. Things like roadside assistance, high-cost glass coverage, and term life insurance are some examples. The coverages may be enticing when you first buy your policy, but your needs may have changed so remove them and pocket the money.
- Your car’s features help determine prices – Choosing to buy a car with an alarm system can save you a little every year. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.
Get rate quotes but buy from a local Greensboro insurance agent
Many people just want to have an agent’s advice and that is recommended in a lot of cases The best thing about getting free rate quotes online is the fact that drivers can get the best rates and still choose a local agent. Buying insurance from small agencies is important particularly in Greensboro.
For easy comparison, once you complete this simple form, your information is instantly submitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. You won’t even need to search for any insurance agencies because prices are sent to you instantly. You can find better rates without the usual hassles of price shopping. If for some reason you want to compare rates from one company in particular, don’t hesitate to navigate to their website and complete a quote there.
If you would like to find a good insurance agency, you need to know there are two different agency structures and how they can quote your rates. Agents in Greensboro may be either independent or exclusive depending on the company they work for.
Independent Insurance Agents
These agents can sell policies from many different companies so they can insure your vehicles with an assortment of companies enabling the ability to shop coverage around. If they find a cheaper price, an independent agent can move your coverage and you won’t have to switch agencies. If you are comparing rate quotes, we highly recommend that you check rates from at least one independent agent to get the most accurate price comparison.
Below is a partial list of independent insurance agents in Greensboro who may provide free price quotes.
Jim Costas Agency
5505 Adams Farm Ln – Greensboro, NC 27407 – (336) 292-9992 – View Map
Nationwide Insurance: Chris Baughan
3225 Battleground Ave – Greensboro, NC 27408 – (336) 286-3303 – View Map
Nationwide Insurance – Young Insurance Agency Inc
2100 W Cornwallis Dr, Ste O – Greensboro, NC 27408 – (336) 288-8000 – View Map
Exclusive Car Insurance Agencies
Agents that choose to be exclusive work for only one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are trained well on the products they sell and that can be a competitive advantage.
The following are Greensboro exclusive insurance agents that can give you price quotes.
Allstate Insurance: John L. Palmer
445 Dolley Madison Rd a – Greensboro, NC 27410 – (336) 852-8800 – View Map
Allstate Insurance: Terrence Williams
2109 New Garden Rd D – Greensboro, NC 27410 – (336) 282-0461 – View Map
Allstate Insurance: Michael Patterson
3817 Lawndale Dr, Ste B2 – Greensboro, NC 27455 – (336) 545-4596 – View Map
Choosing the best insurance agent requires you to look at more than just a cheap price quote. Agents should be asked these questions:
- Are they paid to recommend certain coverages?
- Is the agent and/or agency licensed to do business in North Carolina?
- Is every driver in your family covered?
- Do they regularly work with personal auto policies in Greensboro?
- Do they reduce claim amounts on high mileage vehicles?
- What companies can they write with?
- Are they actively involved in the community?
- Do they assist clients in filing claims?
How to find a good Greensboro auto insurance company
Ending up with the highest-rated auto insurance provider can be difficult considering how many companies there are to choose from in North Carolina. The information below could help you pick which car insurance companies to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
More comparisons equals cheaper rates
While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.
We just presented many ways to find lower-cost Lexus RC 300 insurance in Greensboro. The key concept to understand is the more you quote Greensboro auto insurance, the better chance you’ll have of finding low cost Greensboro auto insurance quotes. Consumers could even find that the biggest savings come from a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.
How to find more affordable Lexus RC 300 insurance in Greensboro
It takes a few minutes, but the best way to find affordable Lexus RC 300 insurance is to compare prices regularly from companies in Greensboro. You can shop around by following these steps.
- Try to learn about how car insurance works and the things you can control to keep rates low. Many factors that result in higher rates such as high-risk driving behaviors and poor credit rating can be remedied by making minor driving habit or lifestyle changes.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can quote prices for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy to see if a cheaper rate is available. If you find a better price, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company to cancel the current policy. Submit a down payment along with a completed application to your new carrier. Be sure to keep the new proof of insurance certificate in a readily accessible location in your vehicle.
The critical component of shopping around is to make sure you’re comparing the same deductibles and limits on every quote request and to quote with all possible companies. This enables an apples-to-apples comparison and a thorough selection of prices.
To read more, feel free to visit these articles:
- Determining Auto Insurance Rates (GEICO)
- Who Has the Cheapest Greensboro Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- How Much is Car Insurance for 18 Year Olds in Greensboro? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Safety Belts FAQ (iihs.org)
- Teen Driving and Texting (State Farm)
- What is Full Coverage? (Allstate)