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Car insurance rates can change daily, and if you’re not actively comparing quotes, you could be overpaying. As car prices and repair costs fluctuate, so does the cost of auto insurance. Insurers consider these market changes along with factors like your age, driving history, and location when determining premiums. That’s why one provider might offer the same coverage for less. The only way to know if you’re getting the best deal is to compare quotes.
​​​​​How to shop for car insurance the traditional way.
​There are two main ways to shop for car insurance: the traditional approach or using a simplified process. Let’s start with the steps involved in traditional car insurance shopping.
Step 1: Determine Your Coverage Needs
Liability insurance is the most common requirement, but your state may also mandate other types of coverage. For example, California requires only liability insurance, while Florida also mandates personal injury protection. If you’re financing or leasing your car, you’ll need collision and comprehensive coverage.
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Additionally, opting for coverage limits higher than the minimum required can provide extra protection in case of costly accidents.
Step 2: Gather the Necessary Information
Before reaching out to insurance providers, have the following information ready for accurate quotes:
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Vehicle year, make, and model or VIN
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Current mileage
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Previous insurance history
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Driver’s license details
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Accident and ticket history
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Financing or leasing information
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Contact details (address, phone, and email)
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Step 3: Contact Insurance Companies
Once your information is organized, you’ll need to contact each insurance provider individually. Many offer online quote tools, while others may require you to speak with an agent. Be prepared to provide the details from Step 2.
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While price is an essential factor, it’s not the only one. Research each provider’s customer service reputation and financial stability to ensure you’re choosing a company that’s reliable during claims.
After selecting a provider, all that’s left is to choose a policy start date and pay your premium to activate your coverage.
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The Simplified Way to Compare Car Insurance
Shopping for car insurance the traditional way can be time-consuming. Contacting multiple companies and repeating the same information over and over can take hours, if not days.
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Fortunately, there’s an easier way. By completing one simple form, you can instantly compare rates from major carriers and smaller local providers. This streamlined process saves you time, effort, and money—making it easier to find the best deal for your coverage needs. Click below and enter in your current login for your current provider. We receive your declaration sheets and will be able to provide a quote that compares apples to apples. No more phone calls from 10 different cold callers. Your information stops with us!
20 YEARS OF COMBINED EXPERTISE
15 PARTNERS ACROSS NORTH CAROLINA
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Protect Your Ride,
Your Family, and
Your Wallet
Drive with confidence - Insure with You!
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Customized Coverage Plans
We don't believe in one-size-fits-all insurance. Our agents work with you to create a plan that fits your needs and budget, ensuring you only pay for what matters most to you.
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Fast Claims Process
Accidents happen, and when they do, we're here to help. Our claims processes are quick and hassle-free, so you can get back on the road in no time.
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Competitive Rates
We offer affordable rates without compromising on coverage. Get the protection that you need and that peace of mind at a price you can afford.
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Superior Customer Service
At You Insurance Agency, you're more than just a policy number. Our dedicated team is always available to assist you with any questions or concerns, making sure your insurance experience is smooth from start to finish.
How to Lower Your Auto Insurance Premium
Lowering your auto insurance premium in North Carolina is possible with a few smart strategies. Start by shopping around and comparing quotes from multiple insurers to ensure you’re getting the best rate for the coverage you need. Take advantage of discounts for safe driving, bundling policies, or completing a defensive driving course. Adjusting your coverage by raising your deductible or reducing optional add-ons like roadside assistance can also help cut costs. Maintaining a clean driving record and a strong credit score are crucial, as both can directly impact your premium.
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Consider using usage-based insurance programs that reward safe driving habits with discounts. If you’re in the market for a new car, choose a model with high safety ratings and low repair costs, as these are typically cheaper to insure. Remember, keeping continuous coverage is essential to avoid penalties or premium increases. By reviewing your policy regularly and implementing these tips, you can save money while meeting North Carolina’s legal insurance requirements.
Auto Insurance Coverage
Types Explained
Understanding the different types of auto insurance coverage is essential for ensuring you’re properly protected on the road.
Here are the different types and what they cover you for. We partner with companies like AAA for Great Auto Quotes.
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Liability insurance, which is required by law in most states, including North Carolina. It covers the costs of injuries and property damage to others if you’re at fault in an accident.
Collision coverage helps pay for damages to your car caused by a collision with another vehicle or object.
Comprehensive coverage protects against non-collision-related incidents like theft, vandalism, or natural disasters. If you’re financing or leasing your vehicle, collision and comprehensive coverage are often required by the lender.
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Other important coverage options include
Uninsured/underinsured motorist coverage, which protects you if you’re in an accident with a driver who has little or no insurance.
Personal injury protection (PIP) or medical payments coverage helps pay for medical expenses for you and your passengers, regardless of fault.
Some policies offer additional options, like roadside assistance or rental reimbursement, to provide extra peace of mind. By understanding these coverage types and assessing your needs, you can choose a policy that offers the right balance of protection and affordability.