Car Insurance Quotes for a Chevy Volt in Raleigh

Discount Chevy Volt insuranceHow long has it been since you shopped around for lower-priced car insurance rates in Raleigh, NC? Raleigh buyers have a choice when searching for the lowest priced Chevy Volt insurance. You can either waste hours contacting agents to compare prices or use the internet to compare rates.

There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to get price quotes on a Chevy and find the cheapest rates either online or from Raleigh insurance agents.

Reducing your insurance rates isn’t really that difficult. You just need to take the time to get quotes online with multiple companies.

The companies shown below are ready to provide comparison quotes in Raleigh, NC. If your goal is to find the best car insurance in North Carolina, it’s a good idea that you visit several of them to get the most affordable price.

Raleigh insurance discounts

Some companies do not list every discount very clearly, so the next list breaks down both the well known and the more hidden ways to save on insurance.Insurance discounts

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free insurance policy, you’re out of luck. Any qualifying discounts should help reduce your premiums.

A list of companies and the discounts they provide are:

Double check with every prospective company which credits you are entitled to. All car insurance discounts might not be available to policyholders everywhere. To view insurers who offer free Chevy Volt insurance quotes in North Carolina, click here.

Do I need an insurance agency?

Certain consumers still prefer to visit with an insurance agent and that is recommended in a lot of cases Most agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing auto insurance online is that drivers can save money and get cheaper car insurance rates and still have a local agent. Buying from local insurance agents is definitely important in Raleigh.

Insurance agents in RaleighTo make it easy to find an agent, after completing this simple form, the quote information is submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. There is no reason to contact any agents since rate quotes are delivered instantly to you. If you want to compare prices for a specific company, you just need to search and find their rate quote page and give them your coverage information.

Compare rates from both independent and exclusive car insurance agents

If you prefer to buy auto insurance from a local Raleigh insurance agency, it can be helpful to understand the different types of agencies and how they are distinctly different. Auto insurance agents are considered either independent or exclusive depending on the company they work for. Both insure your vehicles, but it is a good idea to know how they are different since it may influence the kind of agent you use.

Independent Agencies or Brokers

These agents do not write with just one company and that gives them the ability to insure through many different auto insurance companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company without you having to go to a different agency. When searching for an agent, you need to compare quotes from independent agents to have the most options to choose from. Most independent agents also contract with companies you’ve never heard of which may have better rates.

Below is a partial list of independent insurance agents in Raleigh that can give you pricing information.

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Exclusive Agents

These type of agents can only place business with one company and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are well schooled on what they offer and that enables them to sell even at higher rates. Some consumers prefer to buy from exclusive agents primarily because of the brand and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive insurance agents in Raleigh that can give you price quote information.

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Selecting an car insurance agent requires you to look at more than just a cheap price quote. These questions are important to ask:

Learn How to Lower Your Insurance Costs

Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but some are more transparent such as whether you are married or how safe your car is. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate your premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find lower car insurance prices.

The items below are some of the items used by insurance companies to determine prices.

It may be expensive, but it’s not optional

Despite the high insurance cost for a Chevy Volt in Raleigh, insurance may be required and benefits you in several ways.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage in order to drive the car legally. 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 you took out a loan on your Volt, it’s guaranteed your bank will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may insure your Chevy for a lot more money and force you to pay a much higher amount than you were paying before.

Third, auto insurance preserves not only your car but also your assets. It will also reimburse you for medical expenses incurred in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Chevy as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Volt are definitely more than the cost, particularly for liability claims. As of last year, the average driver in North Carolina overpays more than $869 every year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.

How to find a good North Carolina car insurance company

Ending up with a highly-rated car insurance provider is difficult considering how many choices you have in Raleigh. The company information listed below could help you pick which providers to look at when shopping around.

Top Car Insurance Companies in Raleigh
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
Mercury Insurance 97 96 88 89% A+ 93.4
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: Best Car Insurance Companies

Shop around and save

You just learned some good ideas how to compare Chevy Volt insurance rates in Raleigh. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from some of the lesser-known companies.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced physical damage coverage only to regret they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Lower-priced car insurance in Raleigh is possible on the web and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some car insurance companies do not offer rates over the internet and usually these smaller providers only sell through independent agencies.

How to find cheaper quotes for Chevy Volt insurance in Raleigh

Truthfully, the best way to get affordable Chevy Volt insurance in Raleigh is to do a yearly price comparison from different companies who sell auto insurance in North Carolina. This can be done by completing these steps.

  1. Gain an understanding of the coverage provided by your policy and the measures you can take to keep rates low. Many risk factors that cause high rates such as inattentive driving and a less-than-favorable credit score can be improved by making minor changes to your lifestyle.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple sources.
  3. Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
  4. Provide written notification to your current company to cancel your current auto insurance policy and submit payment and a completed application to the newly selected company. As soon as coverage is bound, put the new proof of insurance certificate in your vehicle’s glove compartment or console.

A key point to remember is to use the same deductibles and limits on each quote request and and to get rates from as many car insurance companies as possible. Doing this helps ensure a level playing field and the most accurate and complete price analysis.

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