It’s hard to fathom, but about 70% of customers kept their coverage with the same auto insurance company for more than four years, and roughly 40% of drivers have never compared rates from other carriers. Drivers in North Carolina could save approximately $90 every year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare rates.
If you want to save the most money, the best way to get cheaper Pontiac G8 insurance is to compare prices at least once a year from different companies in Greensboro. You can compare rates by following these guidelines.
First, gain an understanding of what coverages are included in your policy and the measures you can take to prevent rate increases. Many factors that result in higher prices such as traffic violations and an unfavorable credit rating can be eliminated by making lifestyle changes or driving safer.
Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide prices from many different companies.
Third, compare the new rates to your existing rates to see if a cheaper rate is available. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of this process is to use the same coverage limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. This ensures an accurate price comparison and the best price quote selection.
If you have a current insurance policy or just want to reduce your rates, you can learn to buy cheaper insurance and possibly find even better coverage. Finding the cheapest insurance coverage in Greensboro is not rocket science. Shoppers just need to understand the least time-consuming way to compare company rates online.
Cutting your Greensboro car insurance rates is pretty simple and can save money. All you need to do is take a couple of minutes comparing rates online with multiple companies.
Comparing free price quotes online is easy and it, makes it obsolete to drive around to insurance agents’ offices. Buying insurance online reduces the need to sit down with an agent unless you prefer the extra assistance only provided by licensed Greensboro agents. You can, however, price shop online but have a local agent actually write the policy.
The following companies are our best choices to provide free quotes in Greensboro, NC. If you want cheap car insurance in North Carolina, we suggest you visit two to three different companies in order to find the most affordable rates.
Car insurance is not optional in North Carolina
Even though it can be expensive, insuring your vehicle serves several important purposes.
First, the majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your G8 has a lienholder, almost all lenders will have a requirement that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Pontiac for a much higher rate and make you pay much more than you were paying before.
Third, car insurance preserves not only your vehicle but also your financial assets. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Pontiac gets damaged, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. But the average American driver is wasting up to $855 a year so compare rate quotes at every policy renewal to ensure rates are inline.
Don’t neglect these discounts on Pontiac G8 insurance in Greensboro
Companies don’t always advertise all their discounts in a way that’s easy to find, so the below list has a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy Greensboro auto insurance online.
- Passive Restraint Discount – Factory options such as air bags or motorized seat belts can get savings of more than 20%.
- Pay Early and Save – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
- Defensive Driver – Taking time to complete a class that teaches driver safety techniques may get you a small discount and also improve your driving technique.
- Clubs and Organizations – Having an affiliation with certain professional organizations could earn you a nice discount on car insurance.
- Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a small discount on rates.
- Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
Keep in mind that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.
To choose insurance companies that offer multiple discounts in Greensboro, follow this link.
Get rate quotes but still have a local Greensboro insurance agent
Some consumers still prefer to go talk to an agent and often times that is recommended Licensed agents can help you build your policy and help submit paperwork. One of the benefits of comparing insurance prices online is you may find cheap insurance quotes and still have an agent to talk to. Buying insurance from local agents is especially important in Greensboro.
For easy comparison, once you complete this simple form, your insurance data is sent to participating agents in Greensboro who want to provide quotes for your insurance coverage. It makes it easy because there is no need to drive around as quotes are delivered to you directly. In the event you want to get a price quote from a specific insurance provider, you would need to search and find their rate quote page and give them your coverage information.
Choose the right auto insurance agent
If you prefer to buy insurance from a local agent, it’s helpful to know the different types of agencies and how they can write your policy. Agents can either be independent agents or exclusive agents depending on their employer. Both can write insurance policies, but it’s a good idea to understand how they are different because it can influence your selection of an agent.
Independent Insurance Agents (or Brokers)
Agents in the independent channel are not restricted to one company and that is an advantage because they can write policies through many different insurance companies and possibly get better coverage at lower prices. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent.
If you are comparing rate quotes, it’s recommended you get some free quotes from a few independent agents to get the most accurate price comparison.
Shown below is a list of independent insurance agents in Greensboro that can give you free insurance quotes.
Exclusive Insurance Agents
Agents that elect to be exclusive have only one company to place business with and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agents receive extensive training on what they offer and that can be a competitive advantage.
Below is a short list of exclusive agencies in Greensboro who can help you get price quote information.
Choosing a insurance agent needs to be determined by more than just a cheap price quote. These questions are important to ask:
- Which companies can they place coverage with?
- Do they feel the quoted coverages are adequate?
- Does the agency have a positive business rating?
- How does the company pay claims for a total loss?
- Is there any savings for paying the full premium?
- How many years have they been established?
- If they are an independent agency in Greensboro, which companies do they recommend?
After you get satisfactory answers to any questions you have and a low price estimate, you may have found an auto insurance agent that is a good match to properly service your insurance policy. But remember, policyholders can cancel your coverage at any time so don’t feel you are locked into any specific agency for any length of time.
Ratings for North Carolina auto insurance companies
Choosing the best insurer can be difficult considering how many different insurance companies sell coverage in Greensboro. The ranking data in the lists below could help you select which auto insurers you want to consider comparing prices from.
Top 10 Greensboro Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Cheaper car insurance is a realistic goal
We just showed you some good ideas how to compare Pontiac G8 insurance premium rates in Greensboro. The most important thing to understand is the more times you quote, the higher your chance of finding affordable Greensboro auto insurance quotes. Consumers may even find the lowest premium rates come from some of the smallest insurance companies. They may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive and GEICO.
When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to regret they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.
Additional detailed information can be found in the articles below:
- Electronic Stability Control FAQ (iihs.org)
- Who Has Affordable Greensboro Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has Cheap Greensboro Auto Insurance Quotes for a Ford F-150? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Company Car in Greensboro? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)
- Crash Avoidance Technologies FAQ (iihs.org)
- Senior Drivers (Insurance Information Institute)