Getting Low-Cost Asheville Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are lots of people in the same boat.

Since consumers have many insurance companies to choose from, it's difficult to choose the most cost effective car insurance company.

Finding affordable coverage in Asheville is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, North Carolina consumers do need to know how companies sell online because it can help you find the best coverage.

How to Compare Car Insurance Quotes in Asheville, North Carolina

There are several ways to compare car insurance prices but one way is more efficient than others. You could spend your day discussing policy coverages with insurance companies in Asheville, or you could save time and use online quoting for quick rates.

All the larger companies take part in a program that allows shoppers to send in one quote, and at least one company provides a quote determined by their information. This eliminates the need for quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The single downside to getting quotes like this is you cannot specify which companies to get pricing from. If you prefer to choose from a list of companies to compare rates, we have a listing of car insurance companies in North Carolina. Click here to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples quote information for each comparison quote. If your comparisons have mixed coverages it will be impossible to determine the lowest rate in Asheville. Just a small difference in coverage limits can mean a large discrepancy in price. Just remember that more quotes gives you a better chance of getting a better price.

Why some people pay less for insurance in Asheville

It's important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine premiums.

Safer occupants lowers premiums - Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Protect yourself with liability coverage - Your policy's liability coverage provides coverage if you are found liable for damages from an accident. It provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
Do you know your deductibles? - Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more you're willing to pay, the less your car insurance will be.
Bad driving skills means higher rates - Whether or not you get tickets has a big impact on rates. Good drivers have lower premiums than their less careful counterparts. Just one citation can increase rates forty percent or more. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
Older drivers save more - Youthful drivers in North Carolina have a tendency to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and are safer drivers.
More than one policy can earn a discount - Some companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to make sure you are getting the best deal. Drivers may still find a better deal by buying car insurance from a different company.

How much can you save with discounts?

Companies offering auto insurance don't list all available discounts very well, so we researched both the well known as well as the least known car insurance savings.

Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
Club Memberships - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
Homeowners Discount - Owning a home in Asheville may trigger a car insurance policy discount because maintaining a house shows financial diligence.
Discount for Good Grades - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Student in College - Children who are attending college and don't have a car can receive lower rates.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Paperless Signup - A few companies may give you up to $50 simply for signing online.

It's important to understand that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way.

For a list of insurers with discount car insurance rates in North Carolina, follow this link.

More tips and info about car insurance is located at the North Carolina Department of Insurance website. Visitors are able to find disaster information, find out which companies have the most complaints, report car insurance fraud, and file complaints about a company.

Other useful links include this resource for North Carolina car insurance prices and this page of Asheville insurance agents.

Do the work, save more money

Low-cost car insurance can be sourced both online and with local Asheville insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

We just presented a lot of information how to lower your car insurance rates. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may be surprised to find that the most savings is with a small local company. Smaller companies can often provide lower rates in certain areas compared to the large companies like .

When you buy insurance online, don't be tempted to reduce needed coverages to save money. There are a lot of situations where someone sacrificed collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.