As a driver in Concord NC having adequate auto insurance is a legal requirement. However, with so many insurance companies offering coverage, it can be challenging to know where to get the best car insurance quotes.
As an independent insurance comparison platform, The Zebra makes finding affordable Concord car insurance simple. This comprehensive guide explores how drivers in Concord can access and compare personalized auto insurance quotes to find the right policy at the optimal price.
How Auto Insurance Works in Concord, NC
Understanding the basics helps drivers make informed insurance decisions
Minimum Requirements
North Carolina requires all drivers to carry at least these minimum liability limits:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage
Coverages
Beyond mandatory liability, common auto policy add-ons in Concord include:
- Collision: Covers your car’s damage in accidents
- Comprehensive: Protects against theft, vandalism, weather, fire etc.
- Uninsured motorist: Covers your injuries if hit by an uninsured driver
- Medical payments: Covers you/passengers’ medical bills up to policy limits
Factors Affecting Premiums
Insurers weigh these key factors when pricing Concord auto policies:
- Driving record
- Years licensed
- Vehicle year, make, model
- Garaging address
- Credit history
- Miles driven annually
- Prior insurance lapses
- Age, gender, marital status
Shopping around helps Concord drivers find the most affordable rates.
How to Obtain Car Insurance Quotes in Concord
Getting rate estimates lets Concord drivers compare deals. You have options:
Independent Agents
Local agents like The Pointe Insurance Partners offer quotes from multiple insurers. However, they may not cover every company so miss some deals.
Insurer Websites
You can get quotes directly through insurance provider sites like State Farm or Allstate. But this only shows each company’s rates.
Online Quote Tools
Aggregator sites like The Zebra compare 150+ top insurers to find the lowest Concord rate based on your profile.
Cast a wide quote net to discover the best car insurance rates available in Concord.
Key Factors to Inform Accurate Quotes
To receive tailored Concord car insurance quotes that truly reflect your unique risk profile, have this info ready:
- Your full legal name, gender, birthdate
- Contact details like phone, email, home address
- Driver’s license number and original issue date
- Vehicle year, make, model and VIN
- Mileage driven yearly
- Desired policy start date
- Prior insurance history and claims
- Current policy limits and carrier
Providing accurate details ensures you get truly comparable Concord auto insurance quotes. Garbage in, garbage out!
How to Compare Car Insurance Quotes in Concord
With quotes in hand, compare policies smartly:
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Compare identical coverage limits, deductibles and add-ons for fair comparison
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Focus on total yearly or monthly premium estimates
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Consider insurer ratings for financial strength and customer satisfaction
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Weigh included extra benefits like roadside assistance, rental reimbursement etc.
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Review each company’s discounts to maximize savings
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Consider bundling home or life policies with the same provider for added multi-policy discounts
Apples-to-apples quote comparisons help Concord drivers identify the best rate for their needs.
7 Tips to Lower Car Insurance Costs in Concord
Beyond quote shopping, Concord drivers can proactively reduce insurance costs:
1. Raise your deductible
Opting for a $500 or $1,000 deductible can cut collision and comprehensive premiums by 15-30%.
2. Ask about usage-based “telematics” programs
Insurers install a device to track good driving habits and offer discounted rates accordingly.
3. Take a defensive driving course
Completing an approved safe driving class earns a discount of up to 10% in North Carolina.
4. Maintain good credit
Insurers favor scores above 700 in pricing. Keep credit history clean.
5. Inquire about discounts
Ask about discounts for safety features, student status, paying in full, paperless billing, affinity memberships and more.
6. Drop comprehensive/collision on older cars
For vehicles over 10 years old, consider dropping these coverages and self-insuring for minor repairs.
7. Compare rates regularly
Market competition means deals constantly change. Review pricing every renewal to stay savvy.
Being a smart, safe driver pays off. We help Concord motorists maximize savings.
How Insurance Rates in Concord Compare to Other NC Cities
Auto insurance costs vary widely across North Carolina locales. Below are average full coverage policy rates for sample profiles in key NC cities:
| City | Average Yearly Rate |
|---|---|
| Asheville | $1,512 |
| Charlotte | $1,249 |
| Concord | $1,163 |
| Durham | $1,201 |
| Fayetteville | $1,479 |
| Greensboro | $1,136 |
| Raleigh | $1,267 |
| Wilmington | $1,624 |
| Winston-Salem | $1,159 |
Concord ranks below Raleigh and Charlotte yet above Winston-Salem and Greensboro. Local rates remain very affordable statewide.
How Concord Auto Insurance Costs Compare to Other States
North Carolina auto insurance prices are modest nationally. Below are average yearly premiums in major metros of states surrounding NC:
| City | Average Yearly Rate |
|---|---|
| Atlanta, GA | $1,811 |
| Charleston, SC | $1,853 |
| Louisville, KY | $1,758 |
| Memphis, TN | $1,942 |
| Miami, FL | $2,560 |
| Richmond, VA | $1,100 |
At around $1,163 on average, Concord rates beat all listed out-of-state cities. North Carolina insurance costs are economical.
Why The Zebra Helps Concord Drivers Compare Car Insurance Quotes
As an independent online insurance comparison site, The Zebra works to save Concord-area drivers time and money:
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Fast quotes: Answer a few quick questions to view personalized quotes side-by-side.
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Over 150 insurers: We compare most companies operating in North Carolina to match you with the best fit. National and local insurers. Well known brands and smaller players. Our wide net leaves no stone unturned!
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Unbiased results: We are not tied to any one company, so can objectively rank insurers by price and value.
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Transparent methodology: Our quoting process and ranking factors are clear. No hidden tricks!
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Policy management tools: You can view, manage, switch, buy online. We make it painless.
For a fast, easy way to compare the full insurance market and unlock savings, Concord drivers turn to The Zebra. Get your free quotes today!
Find a Nationwide Insurance Agent in Concord, North Carolina
You dont have to live on a busy street to get into an accident. It can happen to even the most defensive drivers. The On Your Side Claims Service is one of the main reasons our members are so happy with our service (a 20.95% rating), but it’s not the only reason. That being said, what if you want to get something out of every year you go without a claim with Nationwide? Talk to one of our Concord auto insurance agents about the Vanishing Deductible® program or any other questions you may have about your coverage or policy.
In Concord, you can find residential dwellings of all kinds. Nationwide can give you the coverage you need whether you live in a historic row house, a classic ranch, or a modern eco-friendly home, and whether you like living close to downtown or in a quieter suburb of the city. Dont worry if you dont know exactly what you need in a policy. Our Concord home insurance agents not only know the ins and outs of each neighborhood, but they can also show you and talk you through the different kinds of homeowner’s insurance.
Even though Concord residents have a lot in common, like wanting to take care of their loved ones no matter what, shopping for life insurance is not a one-size-fits-all process. Do you want the most peace of mind or the best value for your money? Do you want to know that certain costs related to planning your family will be covered? What kind of claim limit makes the most sense for your loved ones given your household’s current financial obligations? What kind of policy makes the most sense for this year or next? Let one of Nationwide’s Concord life insurance agents walk you through the basic options and help you make a choice with confidence.
There are commercial insurance products that can protect your business, whether it’s a store that has been around for generations or the next big thing in town that you’re building in your home office or even your garage. We can help you understand the risks your business faces and how a Nationwide policy can help you handle them. Contact one of our Concord business insurance agents today.
Concord, NC Car Insurance Quotes | 1-855-387-1789
FAQ
Who has the cheapest auto insurance rates in NC?
How much does car insurance cost per month in North Carolina?
What is the cheapest legit car insurance?
Which car insurance company in Concord has the best rates?
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Concord coming in around $60.06 per month.
What is the most expensive city for car insurance in North Carolina?
The most expensive city for car insurance in North Carolina is Newell, just outside Charlotte. Full coverage in Newell costs around $146 per month. The average cost of full coverage car insurance in North Carolina is $109 per month. But depending on where you live in the state, average full coverage auto insurance rates can vary by $54 per month.
Is progressive the cheapest option for car insurance in North Carolina?
Progressive has the cheapest car insurance in North Carolina for full coverage, at $61 per month. Currently insured? It’s free, simple and secure. Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits. What are the best car insurance companies in North Carolina?
What is the cheapest car insurance in NC?
Erie has the cheapest car insurance in North Carolina, at $26 per month for minimum liability coverage. The cheapest full coverage comes from Progressive, at $61 per month, making it the best price for car insurance in that category. How much is car insurance in NC per month?