Greensboro, NC Auto Insurance For Less Than You’re Paying Now

If you are a novice to online auto insurance shopping, you may be confused due to the large number of companies vying for business in Greensboro.

Consumers should take time to compare rates before your policy renews because rates tend to go up over time. Just because you found the best rates a year ago you can probably find a better price now. So just block out anything you think you know about auto insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specially asked for prior to receiving the credit. If they aren’t giving you every credit available, you are paying more than you should be.

  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Owning a house in Greensboro may earn you a small savings because maintaining a house requires personal responsibility.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Multi-policy Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts in North Carolina, click here to view.

Insurance agents can help

When buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine if you might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy cover my teen driver if they drive my company car?
  • When would I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • What discounts do I qualify for?
  • Does my vehicle need full coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Your insurance agent down the street

A small number of people just want to sit down with an agent and that is a personal choice. Educated insurance agents can answer important questions and give you peace of mind. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. And providing support for local insurance agencies is especially important in Greensboro.Greensboro car insurance prices

To help locate an agent, after submitting this simple form, the quote information is sent to participating agents in Greensboro who will return price quotes for your coverage. There is no reason to visit any agencies as quotes are delivered to your email. How’s that for easy!

Best insurance agent in Greensboro

If you’re trying to find a good Greensboro insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agencies in Greensboro can either be independent (non-captive) or captive. Both types can do a good job, but it’s important to know the difference between them because it can influence the selection process.

Independent Agents

These agents are not employed by any specific company but instead can place your coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to contact at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with smaller companies which can save you money.

Shown below is a short list of independent insurance agents in Greensboro that can give you competitive price quotes.

  • Southeastern Agency Group Inc – 1501 Highwoods Blvd # 102 – Greensboro, NC 27410 – (336) 218-7470
  • Direct General Ins Agency – 3011 Spring Garden St # C – Greensboro, NC 27403 – (336) 632-1208
  • James Ramsey Insurance – 1320 Lees Chapel Rd # C – Greensboro, NC 27455 – (336) 282-5033
  • Byrd Insurance Ctr – 2910 Battleground Ave – Greensboro, NC 27408 – (336) 288-1901
  • John A Peterson Agency – 3027 Randleman Rd # E – Greensboro, NC 27406 – (336) 274-8166
Agency Captives

Captive agencies write business for a single company and some examples include State Farm or Allstate. They usually cannot place coverage with different providers so always compare other rates. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers often choose to use a captive agent mostly because of high brand loyalty and strong financial ratings.

Shown below is a short list of captive insurance agencies in Greensboro who can help you get rate quotes.

  • State Farm Insurance – 3411 W Wendover Ave # B – Greensboro, NC 27407 – (336) 632-4411
  • Farm Bureau Insurance – 1400 Battleground Ave # 217 – Greensboro, NC 27408 – (336) 273-3944
  • Allstate Insurance – 309 W Lee St # H – Greensboro, NC 27406 – (336) 271-2093
  • Liberty Mutual Insurance – 7015 Albert Pick Rd – Greensboro, NC 27409 – (336) 668-2389

To view a full list of auto insurance agents in Greensboro, visit this link.

Selecting an insurance agent should depend on more than just a cheap price. These questions are important to ask:

  • How long has their agency been open in Greensboro?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Are they full-time agents?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

After receiving good answers to any questions you have and a low price estimate, it’s possible that you found an insurance agency that will service your policy.

North Carolina insurance ad

Additional information is located on the North Carolina Department of Insurance website located here. Visitors are able to find out which companies have the most complaints, file complaints about an insurance agent or broker, and view a list of available companies.

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One last thing

We covered quite a bit of information on how to save on auto insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the biggest savings come from the smaller companies.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later they didn’t purchase enough coverage. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Insureds switch companies for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, delays in responding to claim requests and even poor customer service. Regardless of your reason, choosing a new insurance company can be less work than you think.