In North Carolina we’ve got it pretty good — we pay the lowest car insurance rates in the nation. The state legislature has the power to cap auto insurance premiums and wields it, which brings our average down to $876 a year. Compared to Michigan, where rates are typically $2,476, we’re getting a pretty good deal on our premiums, no matter what. But, why stop there? It’s easy to save even more with just a little bit of shopping around.
When I called around for quotes for minimum coverage, I found that I could save $290 a year for the exact same coverage simply by picking one insurer over another. Of all my quotes, Progressive was the cheapest (they quoted me $370 a year) and I wish that I could easily say that it would be the best car insurance option for you, too. Unfortunately, auto insurance rates are so personalized that there’s no way I can recommend just one company as the best value for everyone.
Insurance agencies use a number of factors to calculate their rates including age, vehicle type, driving history, and even ZIP code. On top of that, every insurer uses their own formula to weigh these factors. The only way to find the company with the lowest rate for you is to do a bit of legwork. You’ll need to get a bunch of quotes and compare; I’d recommend getting about five.
Luckily, getting a quote online is pretty easy. It takes only 5 to 10 minutes — and you only a need a few basic pieces of info like the make, model, average annual mileage of your car, and its VIN number. If you do have to make a call, expect to add an extra 10 minutes to the process.
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Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.