Find Low-Cost Waynesville Auto Insurance

Shopping for the lowest cost Waynesville auto insurance on the web can be problematic for consumers new to buying insurance on the web. With a ridiculous number of online companies, how can consumers effectively compare the different rates to find the cheapest available price?

auto insurance in Waynesville

How to Get Cheap Auto Insurance in Waynesville, NC

Performing a rate comparison can be challenging if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with insurance agencies in Waynesville, or you can stay home and use online quotes to get the quickest rates.

The majority of car insurance companies belong to a marketplace that enables customers to enter their policy data once, and each participating company provides a quote based on that data. This system prevents you from having to do quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the providers to get pricing from. If you wish to select specific providers to compare, we have assembled a list of the cheapest auto insurance companies in North Carolina. Click here to view list.

It doesn't matter which method you choose, just make sure you use apples-to-apples quote information on every quote you get. If you have mixed coverages you will not be able to determine which rate is truly the best in Waynesville. Having just a slight variation in limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing a large number of companies provides better odds of finding a better price.

Don't pay full price with these discounts

Car insurance companies don't necessarily list all available discounts very well, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

  • Safety Course Discount - Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Life Discount - Some companies give a break if you buy a life insurance policy as well.
  • Multiple Cars - Having all your vehicles on the same auto insurance policy qualifies for this discount.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Memberships - Participating in a professional or civic organization could trigger savings when buying auto insurance.

It's important to note that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, you're out of luck.

To see a list of insurers with discount auto insurance rates in North Carolina, click this link.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Every insured's situation is different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Do I qualify for additional discounts?
  • Am I covered if I drive in a foreign country?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don't have a local agent, complete this form.

Additional detailed information can be read at the North Carolina Department of Insurance website. North Carolina consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and report car insurance fraud.

Additional helpful sites include this resource for North Carolina auto insurance prices and this link which helps you find a Waynesville agent.