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

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

Zimlon, through its research, found that car owners in Elon, 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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Cheap Car Insurance In Elon, NC

Car insurance is a necessity for any driver in Elon, NC. Auto insurance is an essential financial tool that helps protect drivers from financial losses associated with accidents and other incidents. With the right coverage, drivers can enjoy peace of mind knowing their vehicles, passengers and assets are protected from financial losses due to accidents and other incidents.

The average cost of car insurance in Elon, NC, is $1,037. When shopping for auto insurance in Elon, NC, it’s important to compare rates and coverage options from different insurance providers. When selecting coverage and policy limits, drivers should consider factors such as the type of vehicle they own, their driving record, and their credit score. Drivers can also save money by taking advantage of discounts, such as good driver, multi-policy, and low mileage discounts. Drivers must compare the alternatives and costs offered by Elon, North Carolina, car insurance companies. Here are some suggestions for finding affordable auto insurance in Elon, North Carolina.

By Obeying Driving Regulations

When determining the cost of car insurance in Elon, NC, driving violations are a key factor. Your driving record plays a major role in how much you’ll pay for car insurance. The more violations on your driving record, the higher your premiums will be. Insurance companies view drivers with more violations as riskier, which means they’re more likely to be involved in an accident. For instance, drivers in Elon, North Carolina, who received tickets for speeding or running red lights must add an additional +$254 and +$242 to their insurance premiums.

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

By Opting for a Higher Deductible.

A deductible is the amount of money you agree to pay out of pocket before your insurance company pays for any covered damages. By raising your deductible, you will be responsible for a larger portion of any repairs or damages, but your insurance premiums will be lower. It is important to note that opting for a higher deductible should not be done lightly. You should consider your financial situation and make sure that you can afford to pay the higher deductible if you are ever in a situation where you need to file a claim. Automobile drivers in Elon, North Carolina, who opt for a low deductible of $500 pay $1,705, while those who opt for a high deductible of $1,000 pay $1,440. The higher the deductible, the lower the auto insurance rates.

By Availing of Multi-Car Discounts

With the cost of car insurance rising every day, it is important to ensure that you are getting the best deal when insuring your vehicle. One way to do this is by availing of multi-car discounts. Multi-car discounts are available in Elon, NC, and they can help reduce car insurance costs. Elon offers multi-car discounts and NC insurance companies to people with more than one car insured with the same company. The discounts are based on the number of cars that the company insures. For example, in Elon, NC, car owners typically pay $1,763 for two cars and $2,644 for three cars. On their Elon, NC auto insurance premiums, they can save between $311 and $467.

Factors that can influence the cost of car insurance in Elon, 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.

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

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

Elon Ossipee Gibsonville Burlington Rock Creek Alamance
Average Insurance Rates $1,037 $1,232 $988 $950 $990 $1,377

Elon, 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 Elon, 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)
Elon $1,705 $1,440
Gibsonville $1,406 $1,188
Glen Raven $1,462 $1,235
Burlington $1,606 $1,356
Whitsett $1,997 $1,687
Ossipee $1,690 $1,428
Rock Creek $1,281 $1,082
Alamance $1,635 $1,381

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

Teenagers in Elon, 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 $3,365
20 Years $1,332
30 Years $1,026
40 Years $987
50 Years $914
60 Years $927
70 Years $1,079

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

Car owners in Elon, 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 $1,763 $311
3 Vehicles $2,644 $467
4 Vehicles $3,526 $622

Savings on 2 Vehicles bundle:$311

Savings on 3 Vehicles bundle:$467

Savings on 4 Vehicles bundle:$622

Elon, 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 Elon, NC.

Location Average Insurance Cost Post DUI Insurance Rate
Elon $1,037 $4,253
Gibsonville $988 $4,052
Glen Raven $983 $4,032
Burlington $950 $3,896
Whitsett $1,009 $4,138
Ossipee $1,232 $5,053
Rock Creek $990 $4,060
Alamance $1,377 $5,648

Elon, 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) $890
Excellent (740-799) $1,016
Good (670-739) $1,081
Average (580-669) $1,410
Poor (300-579) $1,691

Elon, 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
Nicole Cockerham State Farm 1124 St Marks Church Rd, Burlington, 27215-9796 336-584-7704
Shawn Smith Allstate 2322 S Church St Ste B, Burlington, 27215 (336) 229-6103
Pegram Prevatte Insurance Travelers 1105 S CHURCH ST, BURLINGTON, 27215 336-226-4044
Central Carolina Insurance Erie 2855 S Church St 2855 S Church St, Burlington, 27215 None
Jenkins Insurance Agency Inc Nationwide 3907A W. Market Street, Greensboro, 27407-0000 (336) 854-7900
Mike Shoffner State Farm 845 South Main Street, Graham, 27253-3754 800-386-1610
Michael Glick Agency Inc Nationwide 2326 S Church St Ste C, Burlington, 27215-5388 (336) 229-0229
Southern Insurance Agency None 107N Maple St, Graham, 27253 None
Winfred C Harper Agency Travelers 1037 SOUTH MAIN ST, BURLINGTON, 27215 336-227-4271
J B Williams & Associates Inc Erie 200 Burlington Avenue, Gibsonville, 27249 None

Elon, 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 +$46 $1,083
Driver's Failure In Showing Documents +$101 $1,138
Driving With An Expired Registration +$107 $1,144
Driving At A Considerably Slow Pace +$225 $1,262
Using A Cellphone While Driving +$237 $1,274
Running A Red Light +$242 $1,279
Speeding +$254 $1,291
Driving A Vehicle Without The Required Permission +$323 $1,360
Driving With An Expired/Suspended License +$699 $1,736

Elon, 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 $996
Active Disabling Device $996
Tracking Device $975
Passive Disabling Device $964