Getting the Best Car Insurance Quotes in Greenville, NC

Finding the right car insurance for your needs and budget can seem overwhelming, especially if you’re new to Greenville, NC. With dozens of insurance providers to choose from, how do you know which one offers the best rate?

Getting car insurance quotes from multiple companies is key to finding the best deal. But it also helps to understand what factors affect your insurance rates, and how Greenville’s rates compare to the rest of North Carolina. Follow this guide to get the lowest car insurance quotes in Greenville.

How Car Insurance Rates are Calculated

Car insurance prices are based on risk. Insurance providers evaluate many factors about you and your vehicle to estimate your risk of filing a claim. Common rating factors include:

• Driving record – Drivers with accidents, speeding tickets, DUIs pay higher rates.

• Age – Teen and elderly drivers tend to pay more.

• Gender – Statistically, male drivers under 25 file more claims.

• Marital status – Married drivers pay less than single drivers.

• Credit score – Drivers with poor credit pay more for insurance.

• Location – Your ZIP code and where you park at night affect rates.

• Annual mileage – Drivers who commute long distances pay more.

• Vehicle – Insuring luxury cars or vehicles with high theft rates costs more.

• Coverage limits – Higher liability and collision coverage limits raise rates.

Insurers weigh these factors using complex formulas to estimate future losses and determine premiums. Comparing quotes helps find which company offers the best rate for your situation.

Average Car Insurance Rates in Greenville

According to 2021 data from the National Association of Insurance Commissioners, the average car insurance expenditure in Greenville, NC was $1,392 per year. This compares to the statewide North Carolina average of $980 per year.

Here’s how average annual car insurance premiums in Greenville compare by company, based on full coverage for a 30-year-old driver with a good driving record:

• State Farm: $1,523
• Allstate: $1,612
• GEICO: $1,102
• Progressive: $2,106
• Farm Bureau: $1,254

Of course, your individual rates will vary based on your driving record, age, vehicle, and other factors. That’s why it pays to compare personalized Greenville car insurance quotes.

7 Tips to Get the Cheapest Car Insurance in Greenville

Follow these tips to make sure you’re getting the lowest auto insurance rates possible in Greenville:

1. Compare quotes from multiple companies

Get quotes from at least 5-6 insurers. Rates can vary dramatically, so shop around for the best deal.

2. Ask about discounts

Inquire about discounts for defensive driving courses, good student grades, multi-policy bundling, anti-theft devices, and more.

3. Choose higher deductibles

Going from a $500 to $1,000 deductible could save 15% or more on premiums.

4. Limit your mileage

Let your insurer know if your annual mileage is under 10,000 miles. Low mileage equals lower rates.

5. Maintain good credit

Maintaining a solid credit score will help you qualify for the lowest rates.

6. Drop unnecessary coverage

Skipping rental, roadside assistance, or full glass coverage can reduce premiums.

7. Enroll in telematics program

Usage-based programs like State Farm’s Drive Safe & SaveTM use an app or device to track driving habits and offer discounted rates for safe drivers.

Top Auto Insurers in Greenville, NC

Here are some of the largest car insurance providers selling policies to Greenville drivers:

State Farm

As the #1 insurer of cars in North Carolina, State Farm should be one of your first quotes. They have an extensive local agent network and offer usage-based discounts up to 30% through their Drive Safe & SaveTM program.

Allstate

Allstate features an affordable rate lock option to keep your price from increasing at renewal. Bundling policies and signing up for their Drivewise program can also help Allstate customers save.

GEICO

With some of the lowest rates around, GEICO is worth checking for Greenville drivers on a budget. They offer standard discounts plus savings for federal employees or membership in qualifying groups.

Progressive

Known for competitive pricing, Progressive offers plenty of discounts and even custom coverage options like custom parts/equipment value insurance.Snapshot tracking program helps safe drivers save up to 30%.

Farm Bureau Insurance of North Carolina

Available only to NC Farm Bureau members, this insurer offers low rates to drivers who qualify for their many member discounts and multi-policy bundles.

Direct Auto Insurance

Specializing in minimum liability coverage, Direct Auto Insurance offers cheap basic car insurance rates tailored to higher risk drivers. They have an office on Memorial Drive in Greenville.

No matter which company you choose, make sure to get quotes from several providers so you can find the best car insurance rates in Greenville for your situation. Input your details on insurer websites or work with an independent agent to compare options. With a little shopping around, you should be able to lock in significant savings on your North Carolina auto insurance.