Cheapest Car Insurance Exclusively for Burlington, NC Residents

No one in their right mind enjoys paying for car insurance, in particular when they are paying too much.

Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Discounts are basically free money

Auto insurance companies do not list every discount very clearly, so we researched some of the best known and the harder-to-find ways to save on car insurance.

  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • No Accidents – Claim-free drivers pay less as compared to accident-prone drivers.
  • Own a Home – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application online.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurers with the best car insurance discounts in Burlington, click here to view.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • What discounts do I qualify for?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Who is covered when they drive my vehicle?
  • Does my car insurance cover rental cars?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need added coverage for expensive stereo equipment?
  • Should I drop comprehensive coverage on older vehicles?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Find out more about car insurance

More tips and info about car insurance is located at the North Carolina Department of Insurance website. North Carolina consumers can learn about specific coverages, learn about insurance regulations, and read consumer alerts.

Other related articles:

insurance quote North Carolina

Summing up your car insurance search

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Cost effective car insurance is attainable online and also from your neighborhood Burlington agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.