If you live in Concord, North Carolina and need car insurance, getting quotes from multiple providers is key to finding the best rate. Auto insurance prices can vary dramatically between insurance companies, so shopping around for the most affordable car insurance in Concord is crucial.
This article will cover how to get free Concord car insurance quotes, what affects your rate, and provide tips to get the lowest price.
How to Get Car Insurance Quotes in Concord, NC
Getting car insurance quotes has never been easier thanks to online quote tools. Here are some of the best ways to get free quotes for Concord auto insurance:
Use insurer websites: Most major insurance companies like State Farm, Allstate, GEICO, Progressive and Liberty Mutual allow you to get an instant quote online by entering your basic information. This is the quickest way to compare multiple companies.
Compare quote sites: Websites like TheZebra.com, Gabi.com and QuoteWizard.com allow you to enter your details once and receive rate comparisons from up to 10+ insurance providers. This simplifies the process.
Work with local agents: Connect with Concord insurance agents in your area to discuss your needs. They can provide quotes from insurers they represent and advice for getting lower rates.
Call insurers directly: You can call insurers like State Farm and Allstate directly and speak with an agent to get Concord auto insurance quotes over the phone. This option provides the most personalized service.
No matter which method you use, be sure to compare the same coverage amounts across providers for accurate rate comparisons.
Key Factors That Affect Car Insurance Rates in Concord
Auto insurance prices are based on a number of risk factors. Here are some of the main criteria that influence average car insurance rates in Concord:
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Driving record – Drivers with accidents, speeding tickets, DUIs or other violations see rates increase substantially. A clean record saves you the most.
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Vehicle type – Insuring sports cars, luxury vehicles and large trucks is more expensive than standard sedans.
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Age and gender – Teenage males have the highest auto insurance rates due to lack of experience. Rates start dropping around age 25.
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Credit history – Drivers with poor credit pay more for auto insurance compared to those with good credit.
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Annual mileage – The more miles you drive each year, the higher your rates will be.
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Marital status – Married drivers get lower rates than single drivers.
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Usage – Insuring a car for business use, deliveries or ridesharing costs more than just personal use.
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Coverage limits – Minimum liability coverage is cheaper than comprehensive policies with high limits.
The best way to find cheap car insurance in Concord is to optimize as many of these criteria as possible before getting quotes.
Tips to Get the Cheapest Auto Insurance in Concord
Here are some top tips for finding the lowest car insurance rates in Concord, NC and saving hundreds per year:
Raise your deductible – Opting for a $1000 deductible rather than $500 can save up to 15% on your premium. Just be sure you have savings to cover the higher deductible if needed.
Ask about discounts – Take advantage of all the discounts you qualify for like safe driver, good student, anti-theft devices, paperless billing, multi-policy and more.
Improve your credit – Work on raising your credit score to get a lower premium. Check reports for errors.
Take a defensive driving course – Completing an online driving course can make you eligible for a discount of up to 10% from most providers.
Drop unnecessary coverage – If your car is older, consider dropping comprehensive and collision coverage to save money.
Shop around – Compare quotes every 1-2 years from new providers as rates change over time. Loyalty doesn???t pay off.
Raise deductibles – Consider raising your collision and comprehensive deductibles to $500 or $1000 to lower your premium.
Ask about discounts – Make sure to inquire about every possible discount you may qualify for to save the most on your policy.
Top Auto Insurance Providers in Concord
The largest car insurance companies in North Carolina include:
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State Farm – State Farm has the largest market share in NC due to competitive rates and stellar customer service.
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Allstate – Allstate has been in business for over 85 years and offers many discounts for Concord drivers.
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Geico – Geico is known for low cost quotes and clever advertising. They sell direct to consumers.
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Progressive – Progressive offers affordable rates and convenient tools to manage your policy online or via mobile.
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Nationwide – Nationwide provides solid coverage options for Concord drivers as well as excellent financial strength ratings.
When comparing quotes in Concord, be sure to get rates from these top providers as well as local insurance companies and agents that operate in the area.
How Much is Average Car Insurance in Concord?
The average cost of car insurance in Concord, NC is $127 per month or $1,524 annually according to 2021 data. However, rates can vary significantly based on your driving history and other risk factors. Here are some examples of average monthly rates from top providers:
| Company | Clean Record Rate | Speeding Ticket Rate | At-Fault Accident Rate |
|---|---|---|---|
| State Farm | $105 | $130 | $172 |
| Allstate | $112 | $139 | $196 |
| Geico | $98 | $117 | $155 |
| Progressive | $106 | $131 | $178 |
Getting car insurance quotes is the only way to find the best rate specifically for your situation. Be sure to re-shop rates at least once per year or whenever your policy is up for renewal.
Why Get Quotes from Local Concord Agents
While you can get quotes easily online, there are some benefits to also contacting local insurance agencies in the Concord area:
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They know the local market – Local agents are familiar with the rates in the area and can quickly determine if a quote is competitive or not.
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They can shop multiple carriers – Agents have access to quote systems for dozens of providers, not just the few they officially represent.
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They provide personalized service – A local agent will take the time to review your specific situation, driving details and coverage needs to give tailored advice.
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You support local business – Connecting with small agencies helps support the local Concord economy rather than just national call centers.
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They can explain coverages – Agents will take time to explain what comprehensive and collision cover, liability limits and other parts of your policy mean.
To find the top local insurance agencies in Concord, ask neighbors and friends for referrals or search online reviews. Getting quotes from both local and national insurers will ensure you find the perfect rate.
Frequently Asked Questions
How much is State Farm insurance in Concord? State Farm average monthly rates in Concord are around $105 for good drivers, $130 with a speeding ticket, and $172 after an at-fault accident. Always compare their quotes with other top insurers.
Who has the cheapest car insurance in Concord, NC? The cheapest company will depend on your specific risk profile. On average, Geico and Progressive have the most affordable car insurance rates in Concord for drivers with clean records.
How much car insurance do I need in Concord? North Carolina requires minimum 25/50/25 liability coverage. However, most experts recommend 100/300/100 for better protection. Higher limits are recommended if you have significant assets.
Does NC require uninsured motorist coverage? You are not required to carry uninsured or underinsured motorist coverage in NC but it is highly recommended to protect yourself.
How much is car insurance for a 16 year old in Concord? Average insurance rates for a 16 year old driver in Concord are around $380/month or $4,500 per year. Adding them to your policy will increase your premium substantially.
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