Are you tired of being strong-armed to buy car insurance? You are no different than many other North Carolina consumers.
Popular companies such as GEICO, Farmers Insurance and State Farm all claim big savings with advertising and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.
It’s a good habit to take a look at other company’s rates before your policy renews because rates are adjusted regularly by insurance companies. If you had the best rates a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online, so with this article, you’re going to get some great ideas on how to find cheap car insurance.
If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Finding the best rates in Wilson is easy if you know what you’re doing. Although North Carolina drivers must know how the larger insurance companies determine prices and apply this information to your search.
The are a couple different ways to get quotes from car insurance companies in your area. One of the best ways to find the lowest rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.
The fastest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing repetitive form entry to each individual car insurance company. Completing one form will return quotes from car insurance companies with the best prices.
A more time consuming way to compare rate quotes is going to the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want to compare rates from Farmers, Allstate and State Farm. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Wilson, click here.
The least recommended method to compare rates is driving around to different Wilson agent offices. Shopping for car insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. It is possible to obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.
It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages and limits for every company. If each company quotes differing limits then you won’t be able to determine which rate is truly the best in Wilson. Quoting even small variations in coverage limits can result in a big premium difference. And when comparison shopping, comparing more company’s prices provides better odds of finding the best offered rates.
Smart consumers have a good feel for the different types of things that go into determining car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get big savings.
Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but a few need to be asked about before being credited.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren’t that generous. But any discount will bring down your premiums.
When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs would benefit from professional advice.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Certain consumers just want to get advice from a local agent and that is OK! One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to. And supporting local agencies is especially important in Wilson.
After completing this simple form, your insurance data is immediately sent to local insurance agents in Wilson who will compete to get your business. There is no need to drive around as quotes are delivered to the email address you provide. How’s that for easy! You’ll get the best rates and a licensed agent to work with.
When finding a local agent, there are two different types of agents to choose from. Agents are either independent (non-captive) or captive.
Independent agents are not required to write business for one company so they have the ability to put coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and that require little work on your part.
When shopping rates, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.
Listed below are independent agents in Wilson who may be able to give you comparison quotes.
Hallmart Agency – 3621 Airport Blvd NW – Wilson, NC 27896 – (252) 243-1063
Grady Agency – 107 Raleigh Rd W – Wilson, NC 27893 – (252) 243-2275
Nationwide Insurance – 2403 Wooten Blvd SW – Wilson, NC 27893 – (252) 291-7231
John Hackney Agency Inc – 608 Nash St W – Wilson, NC 27893 – (252) 291-3111
Thomas W Barnes Insurance – 1702 Anderson St NW – Wilson, NC 27893 – (252) 290-7101
Captive agencies have only one company to place business with and some examples include AAA, Allstate and State Farm. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.
Listed below are captive insurance agents in Wilson willing to provide price quote information.
State Farm Insurance – 2512 Ward Blvd – Wilson, NC 27893 – (252) 237-9018
Allstate Insurance Co – 2702 Forest Hills Rd SW – Wilson, NC 27893 – (252) 237-2377
To view a full list of Wilson captive agents, simply jump to this page.
Selecting a car insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:
After receiving reasonable responses to your questions and a low price estimate, you may have just found an insurance agent that will adequately provide car insurance.
We’ve covered many tips how you can shop for car insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.
Discount car insurance can be bought both online as well as from independent agents in Wilson, and you should compare price quotes from both to have the best selection. Some companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.
Additional information can be read on the website for the North Carolina Department of Insurance located here. Consumers can find out which companies have the most complaints, read industry bulletins, and file complaints about an insurance agent or broker.