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• NC Auto Insurance
• Rates

Low Rates & Discounts on Auto Insurance in North Carolina

How are rates determined in North Carolina?

Insurance companies go through a process that is called “underwriting”. Policyholder’s a basically put into “risk pools” that are determined based on a number of factors that rank how much a liability risk an individual may be. Each company uses its own rules for weighing various factors, so that’s why rates can differ so drastically from company to company.

Four major factors that often affect your rates in North Carolina:

• Driving Record: Your driving record has a big impact on your rates. North Carolina insurance rates increase for at-fault accidents.
• Zip Code: The area you live in is also a significant factor. Where you live determines population density, road conditions and the
  number of accidents and other claims in a particular area.
• Your Vehicle Classification: The likelihood of theft, the cost of repair,
  and the performance capabilities of a vehicle can influence your rate. Generally, more expensive vehicles cause rates to be higher because they cost more to fix/replace and they are usually capable of performing faster and/or more dangerous maneuvers.
• How Your Vehicle Is Used: The longer your daily commute is, the higher the chance is that you will be involved in an auto accident. The amount that you drive your vehicle and the type of terrain you drive through on a regular basis can and probably will impact your auto insurance rate.

For more information on how you may be able to lower your North Carolina auto insurance rates, check out information on discounts available through some North Carolina auto insurance companies.