If you want to find the absolute lowest rates, then the best way to find lower priced car insurance rates is to annually compare prices from providers who sell auto insurance in Raleigh. You can compare prices by completing these steps.
- Gain an understanding of policy coverages and the measures you can control to keep rates in check. Many risk factors that cause rate increases like at-fault accidents, careless driving, and a not-so-good credit rating can be improved by being financially responsible and driving safely. Continue reading for more information to get cheaper coverage and get discounts that may be available to you.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can provide price quotes for many different companies. Click to view companies
- Compare the quotes to your current policy premium and determine if cheaper tC coverage is available. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
A good tip to remember is to try to use similar deductibles and liability limits on every quote and and to analyze as many carriers as you can. Doing this ensures an apples-to-apples comparison and many rates to choose from.
It’s a fact that car insurance companies want to keep you from shopping around. Drivers who shop around for the cheapest price will, in all likelihood, switch to a new company because they have a good chance of finding a lower-priced policy. Remarkably, a study showed that drivers who compared prices once a year saved $70 a month compared to those who never shopped around.
If finding the best price on Scion tC insurance is your target objective, then learning about how to choose a company and compare insurance rates can make the process less intimidating.
The purpose of this article is to introduce you to how car insurance quotes work. If you currently have a car insurance policy, you will definitely be able to reduce the price you pay using these methods. But North Carolina car owners need to have an understanding of how big insurance companies determine prices and use this information to your advantage.
Companies offering low-cost Scion tC rates in Raleigh, NC
The companies in the list below are our best choices to provide free quotes in North Carolina. To buy the cheapest auto insurance in NC, we recommend you visit several of them to get a more complete price comparison.
Rate information and statistics
The table displayed below showcases estimates of insurance policy prices for Scion tC models. Learning as much as possible about how insurance policy premiums are formulated can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $244 | $524 | $408 | $24 | $122 | $1,322 | $110 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can change insurance rates considerably.
Choosing deductibles
One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The tables below may help to illustrate how much more rates are between low and high insurance deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $214 | $524 | $312 | $18 | $94 | $1,187 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $156 | $354 | $312 | $18 | $94 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in garaging location in Raleigh which can affect auto insurance rates substantially.
We can estimate from the data above that using a $100 deductible costs an average of $21 more each month or $252 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 19 months between claim filings, you would more than likely save some money if you opt for a higher deductible. The illustration below shows an example of how we made this calculation.
| Average monthly premium for $100 deductibles: | $99 |
| Average monthly premium for $500 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to note is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a physical damage claim. That will require enough money put aside in the event you have to pay the deductible to have repairs made.
The information below illustrates how your choice of deductibles and can change Scion tC insurance rates for each different age category. The costs are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Insurance premiums for males and females
The illustration below shows the comparison of Scion tC car insurance rates for male and female drivers. Data assumes no violations or accidents, comp and collision included, $100 deductibles, single status, and no discounts are taken into consideration.
Auto insurance discounts help lower rates for Scion tC insurance in Raleigh
Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Some discounts will apply when you get a quote, but less common discounts must be manually applied before you will receive the discount.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little on medical payment and PIP coverage.
- Accident Forgiveness – This one isn’t a discount, but companies like GEICO and Allstate may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
- Bundle and Save – If you combine your homeowners and auto policies with the same insurance company you may earn at least 10 to 15 percent or more.
- Discounts for Multiple Vehicles – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
- Paperless Signup – A few auto insurance companies will give you a small discount shop Raleigh car insurance digitally online.
- Save over 55 – If you qualify as a senior citizen, you may be able to get a small discount on rates.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
- Fewer Miles Equal More Savings – Fewer annual miles on your Scion could qualify for substantially lower premium rates.
Remember that most credits do not apply to the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
The illustration below compares Scion tC insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.
Auto insurance companies that may offer policyholders these discounts include:
Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts may not be available in every state. To find insurers who offer auto insurance discounts in North Carolina, click here to view.
Compare rate quotes but buy from a local neighborhood Raleigh car insurance agent
Certain consumers just prefer to get professional advice from a licensed agent and we recommend doing that One of the benefits of getting online price quotes is you may find cheaper rates and still have an agent to talk to. And supporting neighborhood agents is definitely important in Raleigh.
To find an agent, once you fill out this quick form, the coverage information is transmitted to participating agents in Raleigh who will give competitive quotes for your insurance coverage. You never need to leave your computer as quotes are delivered directly to you. Get lower rates and an insurance agent to talk to. If you have a need to compare prices from a specific insurance company, just jump over to their website to submit a rate quote request.
Multiple types of car insurance agents in Raleigh
If you would like to find a good insurance agency, you should know the types of insurance agents that you can select. Car insurance agents can be described as either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
These type of agents are not locked into one company so they can quote policies with a variety of different insurance companies and potentially find a lower price. If your premiums go up, they simply move your policy to a different company and you don’t have to switch agencies. When comparison shopping, it’s recommended you include rate quotes from at least one independent agent to get the best comparison. Most can insure with additional companies that you may not be familiar with that may provide cheaper car insurance rates.
Featured below is a small list of independent insurance agents in Raleigh that may be able to provide free car insurance rate quotes.
- Lee Winters Insurance Agency
1330 St Marys St Suite 250 – Raleigh, NC 27605 – (919) 828-7130 – View Map - Wade S Dunbar Insurance
7951 Monument Ln # 201 – Raleigh, NC 27615 – (919) 720-2290 – View Map - Protective Agency
2026 New Bern Ave – Raleigh, NC 27610 – (919) 231-2281 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices and examples are American Family, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so they really need to provide good service. Exclusive insurance agents receive extensive training on sales techniques and that can be a competitive advantage. Consumers frequently choose to use an exclusive agent partially due to high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive agencies in Raleigh that are able to give rate quotes.
- GEICO Insurance Agent
5011 Falls of Neuse Rd A – Raleigh, NC 27609 – (919) 862-1300 – View Map - Allstate Insurance: Bonnita Hargis
1620 Martin Luther King Jr Blvd #104 – Raleigh, NC 27610 – (919) 250-3606 – View Map - State Farm: Lisa Davis
8201 Rowlock Way Suite 112 – Raleigh, NC 27613 – (919) 782-3333 – View Map
Choosing the best auto insurance agent shouldn’t rely on just the quoted price. Any agent in Raleigh should have no problem answering these questions:
- Does the company use OEM repair parts?
- Do they carry Errors and Omissions coverage?
- Do you work with a CSR or direct with the agent?
- How many years of experience in personal auto insurance do they have?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is auto insurance their primary focus in Raleigh?
- How long has their agency been in business in Raleigh?
If you get good responses to your questions as well as a affordable price, you may have just found an auto insurance agent that is reputable and can properly service your car insurance policy.
You can find cheaper coverage
When you buy Raleigh car insurance online, don’t be tempted to buy poor coverage just to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to discover later they didn’t have enough coverage. Your goal is to get the best coverage possible at the lowest possible cost while still protecting your assets.
Budget-friendly auto insurance in Raleigh can be sourced on the web and also from your neighborhood Raleigh agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not offer rates over the internet and usually these regional insurance providers sell through local independent agents.
Insureds leave their current company for a number of reasons such as delays in responding to claim requests, denial of a claim, lack of trust in their agent and even being labeled a high risk driver. Regardless of your reason, choosing a new company is not as hard as you think.
Helpful articles
- Winter Driving (Insurance Information Institute)
- Who Has Affordable Raleigh Auto Insurance Rates for Good Students? (FAQ)
- Who Has Cheap Auto Insurance for Teenage Females in Raleigh? (FAQ)
- What Car Insurance is Cheapest for High Risk Drivers in Raleigh? (FAQ)
- How Much is Car Insurance for Ride Shares in Raleigh? (FAQ)
- Teen Driving Statistics (GEICO)
- Auto Insurance for Teen Drivers (Insurance Information Institute)