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Which auto insurance companies typically have the best rates in NC? (Liberty: car insurance, military)

04-18-2008, 10:17 AM
 

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I'm shopping for auto insurance now that I have my NC address. I have Geico currently, but am open to switching if there is another company with much more competitive rates. Are there a few companies that are typically known as being the best?

Also, is there anything I should know about auto insurance in NC compared to other states?

Reply With Quote Quick reply to this message 04-18-2008, 10:30 AM
 

Location: The place where the road & the sky collide

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Excellent question. I'll be needing that information soon, I hope. I have Allstate & they are awful when you have a claim. Because of repressive laws & rates in Jersey, I've been stuck with them. I'll switch ASAP, when I get moved.

Reply With Quote Quick reply to this message 04-18-2008, 10:50 AM
 

Location: Charlotte, NC

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USAA almost always has the best rates, period. No one else, not even discount places like Geico and Progressive, can usually come anywhere close to their rates. The only catch is you have to have some kind of military connection -- friend, relative, spouse, etc.

Every once in a while I call another company for a quote, and when I tell them I currently have USAA they almost always laugh and say "Oh, we can't complete with USAA -- I won't bother running the numbers."

Reply With Quote Quick reply to this message 04-18-2008, 11:13 AM
 

Location: Way up high

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I got great quotes from Erie and Travelers Insurance. Allstate wasn't bad either..There's tons of them.

Reply With Quote Quick reply to this message 04-18-2008, 11:19 AM
 

Location: Steele Creek area, Charlotte

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Quote:

Originally Posted by himain

I got great quotes from Erie and Travelers Insurance. Allstate wasn't bad either..There's tons of them.

Well compared to TX or NJ, NC is definitely cheaper when it comes to car insurance. We have allstate and we have never had a problem with them. Also if you combine your homeowners and car insurance with one company, you get a discount on the car insurance. Reply With Quote Quick reply to this message 04-18-2008, 11:21 AM
 

Location: State of Being

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I would check out GEICO and Progressive.

Reply With Quote Quick reply to this message 04-18-2008, 11:30 AM
 

Location: Fort Mill, SC (Charlotte 'burb)

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Liberty Mutual.

Reply With Quote Quick reply to this message 04-18-2008, 11:36 AM
 

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Thanks everyone, it sounds like its the same big insurers in NC too. I don't have a way to get USAA, so maybe I'll just stick with GEICO - I find their site easy to use.

Reply With Quote Quick reply to this message 04-18-2008, 11:48 AM
 

Location: The place where the road & the sky collide

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Thank you from me as well. I'll call GEICO when I get moved. I've heard good reports on how they process claims.

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Page 2

04-18-2008, 11:53 AM
 

Location: State of Being

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I have had GEICO for many years and been very pleased. The rates were very reasonable when I first got it. Have not bothered to bid out in five years (since we moved back here and I moved all my cars to a GEICO policy) Their website is awesome and soooo easy to use. Their customer service is the best I have dealt with. I also like that I can pay over the phone or online and they will break up the premiums into monthly payments (maybe everyone does that now - my former agency did not allow that).

I have also heard good things about Progressive.

Reply With Quote Quick reply to this message 04-18-2008, 12:35 PM
 

Location: The place where the road & the sky collide

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Progressive advertises heavily here, geared at people in Philadelphia & South Jersey who just can't afford the other companies where insurance rates are staggering, & to the uninsured. I don't know anyone who has them. I am in a suburb of Philly. For insurance, I am classified urban and pay the same rate as if I lived in Newark, Trenton, or Camden. The next town over (3 blocks away) is classified suburban & they pay less.

Go figure

Insurance is definitely one of my reasons to move to NC.

Reply With Quote Quick reply to this message 04-18-2008, 12:38 PM
 

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Quote:

Originally Posted by southbound_295 Progressive advertises heavily here, geared at people in Philadelphia & South Jersey who just can't afford the other companies where insurance rates are staggering, & to the uninsured. I don't know anyone who has them. I am in a suburb of Philly. For insurance, I am classified urban and pay the same rate as if I lived in Newark, Trenton, or Camden. The next town over (3 blocks away) is classified suburban & they pay less.

Go figure

Insurance is definitely one of my reasons to move to NC.

What town are you in? I live 500ft from 295 Reply With Quote Quick reply to this message 04-18-2008, 12:50 PM
 

Location: The place where the road & the sky collide

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I'm 3 blocks from Haddonfield in the big suburb.

When I complained about the classification to Allstate, they told me that they were able to do that because of the mall. (loophole in the law)

You can't be too far from me. I don't know about you, but I can't get out of here soon enough!

Last edited by southbound_295; 04-18-2008 at01:09 PM ..

Reply With Quote Quick reply to this message 04-18-2008, 12:51 PM
 

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Quote:

Originally Posted by southbound_295 I'm 3 blocks from Haddonfield in the big suburb.

When I complained about the classification to Allstate, they told me that they were able to do that because of the mall. (loophole in the law)

You can't be too far from me. I don't know about you, but I can't get out of here soon enough!

That's crazy, I'm glad I never asked what my location was considered, I probably would have been outraged.

We're on the same page I've got 12 days left, woohoo!

Reply With Quote Quick reply to this message 04-18-2008, 01:08 PM
 

Location: The place where the road

& the sky collide

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That's crazy, I'm glad I never asked what my location was considered, I probably would have been outraged.

We're on the same page I've got 12 days left, woohoo!

I'm an idiot. I was checking the codes & saw "urban". I questioned it. When they told me it was because of the mall, I said, "I don't live in or near the mall. I don't even shop at that mall."

Between the exudus of jobs that I'm qualified for, the insurance, & the spike in real-estate & corresponding hike in cost of living, I'm going to dump this place & head souh, ASAP, hopefully by June.

Reply With Quote Quick reply to this message 04-18-2008, 01:28 PM
 

Location: Cumberland county, PA

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I just moved to PA (outside Harrisburg) from NC, and my auto insurance went down by $300 a year.

If your coming to NC from NJ, your insurance will go down, but be prepared to pay annual auto tax (couple hundred a year) and that is even for an unregistered vehicle.

Reply With Quote Quick reply to this message 04-18-2008, 01:38 PM
 

Location: The place where the road & the sky collide

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Harrisburg is a different world. Ask what you would be paying in Philly. (Sit down for the answer.)

I should still come out ahead wth the property tax , but TY for the heads up.

Reply With Quote Quick reply to this message 04-18-2008, 03:12 PM
 

Location: Cumberland county, PA

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I'm sure, that I would be paying more in Philly, that's why we didn't pick Philly. But as my husband and I discovered after 11 years in NC, your property is actually an investment. Car tax annual, car depreciates each year grocery tax and clothing tax 6% every time, adds up, job benefits way less in NC pay way less in NC income tax 8%, far less than PA income tax and school tax combined

IN PA, at least your property is an investment, so when I finally reach retirement age, with the higher social security because of higher wages, and better retirement benefits, I can go anywhere in the south and live like a King. If I stay and make poor wages, lower property values.....guess what, I ain't going anywhere.

Reply With Quote Quick reply to this message 04-18-2008, 03:32 PM
 

Location: The place where the road & the sky collide

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I'm sure, that I would be paying more in Philly, that's why we didn't pick Philly. But as my husband and I discovered after 11 years in NC, your property is actually an investment. Car tax annual, car depreciates each year grocery tax and clothing tax 6% every time, adds up, job benefits way less in NC pay way less in NC income tax 8%, far less than PA income tax and school tax combined IN PA, at least your property is an investment, so when I finally reach retirement age, with the higher social security because of higher wages, and better retirement benefits, I can go anywhere in the south and live like a King. If I stay and make poor wages, lower property values.....guess what, I ain't going anywhere.

[+] Rate this post positively

I understand. My circumstances are different from yours, so, for me, I'm doing the right thing.

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Page 3

04-18-2008, 08:37 PM
 

Location: Drury Lane

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I was with Farm Bureau several years ago in NC, then moved to GMAC and kept that when I moved to SC. My insurance is more expensive in SC and the customer phone agents told me that one factor in determining rates is the number of uninsured/underinsured drivers in the state where you live. So far as I can remember, SC has more than NC and as such the whole pool of insurance premiums can trend higher.

Food for thought.

Reply With Quote Quick reply to this message 04-18-2008, 08:49 PM
 

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It looks like my car insurance will only be a little bit cheaper, probably enough to offset the registration tax.

I expected income to be much less, but I have recruiters throwing some pleasant salary figures at me.

Reply With Quote Quick reply to this message 04-18-2008, 09:27 PM
 

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I am an auto appraiser with a big insurance company in NC.The local adjusters can make a big difference.I would stay away from some of the heavily advertised companies.GMAC,Farm Bureau,State Farm,Erie are probably going to be some of the better bets,but may not be the cheapest.

Do a search and see who has been rated #1 with the body shops in NC for the last few years and you'll be going in the right direction.I have worked in bodys shops and for insurance companies and have seen both sides of the fence.

Reply With Quote Quick reply to this message 04-18-2008, 10:38 PM
 

Location: The place where the road & the sky collide

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Lemur, I also expected to take a hit on wages. Tech job wages here have plummeted. I checked with some agencies that have offices in Charlotte & I was told no problem getting work & the wages were slightly better.

Reply With Quote Quick reply to this message 04-18-2008, 10:40 PM
 

Location: The place where the road & the sky collide

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Thank you, Joe.

Reply With Quote Quick reply to this message 04-21-2008, 11:35 AM
 

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Quote:

Originally Posted by ECM08 USAA almost always has the best rates, period. No one else, not even discount places like Geico and Progressive, can usually come anywhere close to their rates. The only catch is you have to have some kind of military connection -- friend, relative, spouse, etc.

Every once in a while I call another company for a quote, and when I tell them I currently have USAA they almost always laugh and say "Oh, we can't complete with USAA -- I won't bother running the numbers."


Can you tell me what USAA stands for? My nephew just came out of the military, does that count? thanks Reply With Quote Quick reply to this message 04-21-2008, 10:07 PM
 

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NC legislature is also looking at allowing insurance companies to set their own rates, with an anticipated rate hike of 20% for drivers.
Proposal Would Give Auto Insurers Rate Control :: WRAL.com Reply With Quote Quick reply to this message Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

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