Are you sick of overpaying and want more competitive insurance rates in Greensboro, NC? Greensboro shoppers have many options when shopping for low-cost Chrysler Sebring insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to get rate quotes.
There is a right way and a wrong way to buy insurance and we’ll show you the best way to compare rates for a Chrysler and obtain the lowest possible price.
These techniques will tell you the best ways to compare prices and some tips to save money. If you already have coverage, you will most likely be able to get lower rates using these techniques. Vehicle owners just need to know the fastest way to find the lowest price online from multiple companies.
Discount Greensboro auto insurance quotes
Car insurance companies don’t always publicize the entire discount list very well, so below is a list some of the best known and also the lesser-known savings tricks you should be using when you buy Greensboro car insurance online.
- Defensive Driving Course – Passing a defensive driving course may get you a small discount if your company offers it.
- Greensboro Homeowners Pay Less – Just owning your own home can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a Greensboro car insurance quote.
- Senior Citizens – Mature drivers may qualify for better auto insurance rates.
- Discount for Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
- Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote Greensboro car insurance with select insurance companies.
- Organization Discounts – Being a member of qualifying clubs or civic groups could qualify you for a break on your next auto insurance statement.
- Student Discounts – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
Don’t be shocked that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren’t that generous. But all discounts will cut the cost of coverage.
The illustration below shows the difference between Chrysler Sebring insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, multi-policy, and safe-driver discounts applied.
Some companies that possibly offer most of these discounts include:
When getting free Greensboro car insurance quotes, it’s a good idea to every company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in your area. To see a list of insurers who offer discounts in North Carolina, click here to view.
Finding a better price on insurance is not rocket science. You just need to spend a few minutes on the computer to compare rates to find the company with affordable Greensboro car insurance quotes.
The following companies offer comparison quotes in North Carolina. To locate the best cheap auto insurance in Greensboro, we recommend you compare several of them to get the lowest price.
Auto insurance data for a Chrysler Sebring
The rate table displayed below outlines estimates of insurance coverage prices for Chrysler Sebring models. Being able to understand how auto insurance premiums are established can be useful when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $134 | $318 | $282 | $16 | $84 | $834 | $70 |
| Sebring Limited 4-Dr Sedan | $134 | $318 | $282 | $16 | $84 | $834 | $70 |
| Sebring LX 2-Dr Convertible | $152 | $318 | $282 | $16 | $84 | $852 | $71 |
| Sebring Touring 2-Dr Convertible | $152 | $318 | $282 | $16 | $84 | $852 | $71 |
| Sebring Limited 2-Dr Convertible | $170 | $366 | $282 | $16 | $84 | $918 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in vehicle location which can revise insurance rates noticeably.
Poor driving habits will raise your auto insurance rates
The illustration below illustrates how traffic citations and at-fault claims can raise Chrysler Sebring insurance costs for different age groups of insureds. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Chrysler Sebring full coverage rates compared to liability only
The chart below shows the difference between Chrysler Sebring insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are factored in.
When to drop comprehensive and collision
There is no specific rule of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Chrysler Sebring claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the deductible is paid. If it’s costing you more than $400 annually for full coverage, then it might be time to consider dropping full coverage.
There are some conditions where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
You may need specialized auto insurance coverage
Always keep in mind that when comparing the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your situation is unique so your insurance should reflect that
For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- Will my insurance pay for OEM parts?
- Am I covered if I back into my garage door?
- Why do I have to buy liability insurance?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Does coverage follow the driver or the vehicle?
- Why do I need rental car insurance?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Get rate quotes but still have a local neighborhood Greensboro car insurance agent
Many drivers still prefer to visit with an insurance agent and that can be a great decision Most agents can make sure you are properly covered and help you file claims. One of the great benefits of comparing insurance prices online is the fact that drivers can get the lowest rates and still choose a local agent. Buying from and supporting local agencies is important particularly in Greensboro.
By using this short form, your insurance coverage information is instantly submitted to local insurance agents in Greensboro that can provide free Greensboro car insurance quotes to get your business. It’s much easier because you don’t need to leave your house since rate quotes are delivered straight to your inbox. If for some reason you want to get a price quote from one company in particular, don’t hesitate to go to their quote page and complete a quote there.
Pick the best car insurance agent in Greensboro for you
If you want to buy insurance from a local insurance agency, there are two different types of agencies and how they are slightly different. Greensboro agents are categorized either exclusive or independent agents depending on their company appointments. Both types of agents can handle insurance, but we need to point out the difference in the companies they write for because it can influence the type of agent you choose.
Independent Agents
Agents that choose to be independent are not employed by any specific company so as a result can place your coverage with many different companies and find the cheapest insurance rates. If prices rise, the business is moved internally which is easy for the insured. When searching for an agent, you definitely need to include price quotes from a few independent agents so that you can do a thorough price comparison. A lot of them also have access to different regional companies which can save you money.
Listed below are independent insurance agents in Greensboro that may be able to give cheap rate quotes.
- Barnett-Smith Insurance
218 N Eugene St – Greensboro, NC 27401 – (336) 272-4554 – View Map - Southeastern Agency Group Inc
1501 Highwoods Blvd # 301 – Greensboro, NC 27410 – (336) 218-7470 – View Map - Jim Costas Agency
5505 Adams Farm Ln – Greensboro, NC 27407 – (336) 292-9992 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company and examples are Farmers Insurance and State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers often buy from exclusive agents mainly due to the brand name rather than having the cheapest rates.
The following are exclusive insurance agencies in Greensboro willing to provide comparison quotes.
- Allstate Insurance: John L. Palmer
445 Dolley Madison Rd a – Greensboro, NC 27410 – (336) 852-8800 – View Map - Allstate Insurance: Kayode Abimbola
603 Summit Ave #101 – Greensboro, NC 27405 – (336) 273-6363 – View Map - Steve Kent – State Farm Insurance Agent
3122 Battleground Ave – Greensboro, NC 27408 – (336) 282-5368 – View Map
Finding the right insurance agent is decision based upon more than just a cheap price. You should also get answers to these questions.
- What companies can they write with?
- Will the quote change when the policy is issued?
- Who is covered by the car insurance policy?
- Are they involved in claim handling?
- Do they get extra compensation for selling add-on coverages?
- Do they have 24-hour customer assistance?
- What company do they have the most business with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Upon getting good answers to your questions and a good coverage price, you have narrowed it down to an insurance agency that is reputable and can provide insurance coverage.
Don’t give up on cheaper coverage
In this article, we covered a lot of tips how to find cheaper Chrysler Sebring insurance in Greensboro. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest prices come from the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There have been many situations where an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.
Steps to finding lower priced Chrysler Sebring insurance in Greensboro
It takes a little time, but the best way to find more affordable car insurance rates in Greensboro is to regularly compare quotes from providers who provide car insurance in North Carolina. You can shop around by following these guidelines.
- Try to comprehend how car insurance works and the things you can control to keep rates low. Many rating factors that drive up the price like careless driving and a less-than-favorable credit history can be controlled by making lifestyle changes or driving safer.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while independent agencies can provide prices from multiple companies. View companies
- Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money and change companies, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your decision to cancel your current car insurance policy and submit payment and a completed application for your new coverage. Once coverage is bound, safely store the proof of insurance certificate along with the vehicle’s registration papers.
The key thing to know about shopping around is that you’ll want to compare the same liability limits and deductibles on every quote and and to get prices from every company you can. This ensures the most accurate price comparison and and a good selection of different prices.
Additional information
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has Cheap Greensboro Auto Insurance for 19 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Toyota Corolla in Greensboro? (FAQ)
- How Much is Auto Insurance for a Nissan Altima in Greensboro? (FAQ)
- How Much are Car Insurance Quotes for Infrequent Drivers in Greensboro? (FAQ)
- How Much is Greensboro Auto Insurance for High Mileage Drivers? (FAQ)
- What Insurance is Cheapest for a Honda Civic in Greensboro? (FAQ)
- Who Has the Cheapest Greensboro Auto Insurance Quotes for Active Military? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)