Cheap Raleigh Car Insurance

Finding affordable coverage may seem impossible, but if you follow these steps you’ll have a good chance of reducing your annual insurance payment.

• First, learn about coverages and the steps you can take to prevent expensive coverage. Many things that drive up the price like speeding and poor credit history can be rectified by making minor driving habit or lifestyle changes.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agencies can quote rates from many different companies.
• Third, compare the new rate quotes to the premium of your current policy and see if you can save money. If you find better rates and decide to switch, ensure coverage does not lapse between policies.

The most important part of this process is to make sure you’re comparing identical deductibles and limits on each quote request and and to analyze all possible companies. Doing this guarantees a level playing field and the best price selection.

Violations and accidents raise rates

The diagram below demonstrates how speeding tickets and at-fault fender-benders increase insurance premiums for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Whether or not you have cheap auto insurance coverage depends on a wide range of factors, but the average rate in Raleigh is right around $800 for an annual policy. The average for other states is about $1,220, so Raleigh drivers pay around $35 less each month than drivers in surrounding states.

Auto insurance rates in Raleigh are calculated based upon a lot of variables, and one of the primary price factors is the type of vehicle you own. The pricing data below shows the policy premium for popular vehicles insured in Raleigh.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific Raleigh garaging location which can revise rates noticeably.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can impact premiums significantly.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Raleigh which can decrease or increase premium rates greatly.