Eldora Auto Insurance Rates, Quotes, Agents & Reviews in NC

Eldora, NC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Eldora, NC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors That Affect Car Insurance Rates In Eldora, NC

The average cost of car insurance in Eldora, NC, is $959. Car insurance rates in Eldora, NC, can vary greatly depending on a variety of factors. Car owners must understand what factors affect their insurance rates to make informed decisions when purchasing or renewing their policies. In this article, we will explore some of the key factors that insurance companies use to determine car insurance rates in Eldora, NC, and provide tips on saving money on car insurance premiums.

By Obeying Driving Regulations

One of the easiest ways to lower car insurance rates in Eldora, NC, is to obey driving regulations. Insurance companies look at your driving record when determining your premiums, and if you have a history of traffic violations or accidents, your rates will likely be higher. By following traffic laws and driving safely, you can avoid these negative marks on your record and save money on your car insurance. For instance, drivers in Eldora, North Carolina, who received tickets for speeding or running red lights must add an additional +$235 and +$223 to their insurance premiums.

See the graph below for the Eldora, NC, auto insurance rates per driving violation.

By Opting for a Higher Deductible

Opting for a higher deductible is a simple way to lower the cost of car insurance in Eldora, NC. A deductible is an amount a policyholder pays out-of-pocket for damages before their insurance kicks in. By choosing a higher deductible, the policyholder assumes more risk and lowers the insurer's risk. This can result in a lower monthly or yearly premium. However, it's important to choose a deductible that you can afford to pay out of pocket in the event of an accident. For Example, drivers in Eldora, North Carolina, who opt for a low deductible of $500 pay $1,244, while those who opt for a high deductible of $1,000 pay $1,051. The higher the deductible, the lower the auto insurance rates.

By Availing of Multi-Car Discounts

As car insurance rates continue to increase, finding ways to save on your premiums is crucial. One effective method is to take advantage of multi-car discounts readily available in Eldora, NC. These discounts can lower the cost of car insurance by allowing you to insure multiple vehicles with the same company. The discount amount is typically based on the number of cars insured. For instance, in Eldora, NC, insuring two cars usually costs $1,649, while insuring three cars costs $2474. By taking advantage of multi-car discounts, you could save between $269 and $403 on your auto insurance premiums in Eldora, NC.

Factors that can influence the cost of car insurance in Eldora, NC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Eldora, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Eldora, NC with that of other cities in and around Eldora.

Eldora White Plains Pilot Rockford Siloam Long Hill
Average Insurance Rates $959 $1,050 $995 $1,236 $979 $1,255

Eldora, NC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Eldora, NC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Eldora $1,244 $1,051
Long Hill $1,447 $1,222
White Plains $1,166 $985
Surry County $1,860 $1,571
Siloam $1,455 $1,229
Pilot $1,479 $1,249
Rockford $1,624 $1,372
Pilot Mountain $1,961 $1,656

Eldora, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Eldora, NC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,112
20 Years $1,232
30 Years $949
40 Years $913
50 Years $846
60 Years $857
70 Years $998

Eldora, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Eldora, NC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,649 $269
3 Vehicles $2,474 $403
4 Vehicles $3,299 $537

Savings on 2 Vehicles bundle:$269

Savings on 3 Vehicles bundle:$403

Savings on 4 Vehicles bundle:$537

Eldora, NC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Eldora, NC.

Location Average Insurance Cost Post DUI Insurance Rate
Eldora $959 $3,933
Long Hill $1,255 $5,147
White Plains $1,050 $4,306
Surry County $968 $3,970
Siloam $979 $4,015
Pilot $995 $4,081
Rockford $1,236 $5,069
Pilot Mountain $985 $4,040

Eldora, NC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $823
Excellent (740-799) $939
Good (670-739) $999
Average (580-669) $1,304
Poor (300-579) $1,564

Eldora, NC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Debbie Blinkhorn State Farm 1207 W Lebanon St, Mount Airy, 27030-2227 336-783-0400
Stephen J. Hill Nationwide 310 Bethania-Rural Hall Rd, Rural Hall, 27045-9281 (336) 969-9511
The Hassell Insurance Group Inc Travelers 1365 WESTGATE CTR DR STE J-1, WINSTON-SALEM, 27103 336-409-8083
Senn Dunn-Greensboro None 3625 N Elm St Ste 200, Greensboro, 27455 None
Craft Insurance None 823 N Elm St, Greensboro, 27401 None
Professional Ins Svc Allstate 121 Franklin St, Mount Airy, 27030 (336) 789-3033
Khan And Associates Inc. Nationwide 1110 S Main Street STE 102, High Point, 27260 (336) 510-0568
Albert M Bush Nationwide 500 E Cornwallis Dr Ste B, Greensboro, 27405-5676 (336) 275-0488
Hpb Insurance Group Inc Travelers 324 W Wendover Ave Ste 110, Greensboro, 27408 None
Fisher - Greene Insurance Agency Travelers 300 STATESVILLE BLVD, SALISBURY, 28144 704-636-2923

Eldora, NC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$42 $1,001
Driver's Failure In Showing Documents +$93 $1,052
Driving With An Expired Registration +$99 $1,058
Driving At A Considerably Slow Pace +$208 $1,167
Using A Cellphone While Driving +$220 $1,179
Running A Red Light +$223 $1,182
Speeding +$235 $1,194
Driving A Vehicle Without The Required Permission +$298 $1,257
Driving With An Expired/Suspended License +$646 $1,605

Eldora, NC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $921
Active Disabling Device $921
Tracking Device $901
Passive Disabling Device $892