If saving money is your primary concern, then the best way to find affordable quotes for Hummer H2 insurance is to start doing an annual price comparison from different companies who sell insurance in Raleigh. Drivers can shop around by completing these steps.
Step 1: Spend a few minutes and learn about how car insurance works and the things you can control to prevent rate increases. Many factors that result in higher prices such as accidents, traffic tickets, and a less-than-favorable credit history can be rectified by being financially responsible and driving safely. Read the full article for tips to lower rates and find additional discounts.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from many different companies. Start a quote
Step 3: Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment for your new policy. Once the application is submitted, keep your new certificate verifying coverage with your vehicle’s registration.
An important note is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote request and and to get price estimates from as many companies as you can. Doing this provides a fair rate comparison and a good representation of prices.
Surprisingly, a recent survey revealed that about 70% of customers kept their coverage with the same auto insurance company for more than four years, and 38% of customers have never compared rates with other companies. Many consumers in America can save $850 each year by just comparing quotes, but they don’t believe the actual amount they would save if they swap their current policy for a cheaper one.
Buying affordable car insurance in Raleigh is actually not that difficult if you follow our advice. If you have a current car insurance policy, you will definitely be able to get lower rates using the following tips. Drivers only need to know the quickest way to find the lowest price instantly.
The providers in the list below are ready to provide comparison quotes in North Carolina. To find cheaper car insurance in North Carolina, we recommend you get rates from several of them to get the lowest price.
Comparing quotes from local Raleigh auto insurance agents
A lot of people would prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Most agents can help you choose the best coverages and help in the event of a claim. A good thing about getting free rate quotes online is the fact that drivers can get lower premium rates and also buy local.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will return price quotes for your auto insurance coverage. You never need to drive around as quotes are delivered straight to your inbox. If for some reason you want to compare prices from a particular provider, feel free to jump over to their website and fill out their quote form.
Deciding on an provider shouldn’t rely on just the quoted price. Agents should be asked these questions:
- Is auto insurance their primary focus in Raleigh?
- Which company do they place the most coverage with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long have they worked with personal auto insurance coverage?
- Did they already check your driving record and credit reports?
- What is their Better Business Bureau rating?
- Does the agent help file claims?
When finding a local Raleigh insurance agency, there are a couple of different agency structures and how they differ in how they quote coverages. Agents are classified as either exclusive or independent agents depending on their company appointments. Both write policy coverage, but it’s important to know the difference between them since it could factor into the type of agent you choose.
Exclusive Agents
Agents of this type generally can only insure with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates.
The following are exclusive agents in Raleigh that can give you price quote information.
John Hill – State Farm Insurance Agent
7320 Six Forks Rd #200 – Raleigh, NC 27615 – (919) 848-0644 – View Map
Alex Burt – State Farm Insurance Agent
3021 Berks Way #102 – Raleigh, NC 27614 – (919) 435-1417 – View Map
GEICO Insurance Agent
5011 Falls of Neuse Rd A – Raleigh, NC 27609 – (919) 862-1300 – View Map
Independent Auto Insurance Agents
Agents that choose to be independent do not sell for just one brand and that is an advantage because they can write policies through many companies and find the cheapest rate. If you want to switch companies, your policy is moved internally without you having to go to a different agency. If you need lower rates, you need to get several quotes from multiple independent agents for maximum quote selection.
Shown below are independent insurance agents in Raleigh that can give you price quote information.
Nationwide Insurance: Carter Glass Insurance Agency
5901 Falls of Neuse Rd – Raleigh, NC 27609 – (919) 872-1778 – View Map
Lee Winters Insurance Agency
1330 St Marys St Suite 250 – Raleigh, NC 27605 – (919) 828-7130 – View Map
Clark Insurance Agency
4004 Barrett Dr #206 – Raleigh, NC 27609 – (919) 844-2995 – View Map
North Carolina auto insurance company ratings
Buying coverage from the highest-rated car insurance provider is difficult considering how many companies are available to choose from in North Carolina. The information below can help you decide which car insurance providers you want to consider purchasing coverage from.
| 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: Insure.com Best Car Insurance Companies