Gastonia, NC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Gastonia, 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.
Save Up To $582 on Multi-Car Insurance in Gastonia, NC
The average cost of auto insurance in Gastonia, NC, is $970. Car owners in Gastonia can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Gastonia.
Multi-Car Insurance:
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Gastonia is $1,649, while the cost of insuring four vehicles under this policy is $3,298. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Discounts for Students:
Teenagers in Gastonia pay $3,147 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Anti-Theft Discounts:
Car insurers across North Carolina offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Gastonia.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For instance, post-DUI, the cost of auto insurance in Gastonia, can mount up to $3,978 from $970. That’s significantly more than the average cost of auto insurance in Gastonia. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.
Factors that can influence the cost of car insurance in Gastonia, 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.
- Gastonia, NC Auto Insurance Rates
- Gastonia, NC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Gastonia, NC
- Multi Vehicle Insurance Savings in Gastonia, NC
- How Credit Score Affects Car Insurance Rates in Gastonia, NC
- How DUI Affects Auto Insurance Premiums in Gastonia, NC
- Top Auto Insurance Agents Near Gastonia, NC
- How Driving Violations Affect Auto Insurance Rates in Gastonia, NC
- Gastonia, NC Auto Insurance Discounts on Anti Theft Feature
- Gastonia, NC Auto Insurance Company Reviews
Gastonia, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Gastonia, NC with that of other cities in and around Gastonia.
| Gastonia | Gaston County | Lowell | McAdenville | Cramerton | Ranlo | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $970 | $974 | $1,066 | $985 | $1,027 | $1,019 |
Gastonia, 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 Gastonia, 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) |
|---|---|---|
| Gastonia | $999 | $844 |
| Gaston County | $2,499 | $2,111 |
| Ranlo | $1,050 | $887 |
| Lowell | $2,000 | $1,690 |
| McAdenville | $1,435 | $1,212 |
| Cramerton | $1,523 | $1,287 |
| Spencer Mountain | $1,397 | $1,180 |
| Crowders Mountain | $1,067 | $901 |
Gastonia, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Gastonia, 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 | $3,147 |
| 20 Years | $1,246 |
| 30 Years | $960 |
| 40 Years | $924 |
| 50 Years | $855 |
| 60 Years | $867 |
| 70 Years | $1,009 |
Gastonia, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Gastonia, 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 | $291 |
| 3 Vehicles | $2,474 | $437 |
| 4 Vehicles | $3,298 | $582 |
Savings on 2 Vehicles bundle:$291
Savings on 3 Vehicles bundle:$437
Savings on 4 Vehicles bundle:$582
Gastonia, 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 Gastonia, NC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Gastonia | $970 | $3,978 |
| Gaston County | $974 | $3,995 |
| Ranlo | $1,019 | $4,179 |
| Lowell | $1,066 | $4,372 |
| McAdenville | $985 | $4,040 |
| Cramerton | $1,027 | $4,212 |
| Spencer Mountain | $1,356 | $5,561 |
| Crowders Mountain | $1,014 | $4,159 |
Gastonia, 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) | $832 |
| Excellent (740-799) | $950 |
| Good (670-739) | $1,011 |
| Average (580-669) | $1,319 |
| Poor (300-579) | $1,582 |
Gastonia, 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 |
|---|---|---|---|
| Brooks Insurance Agency Llc | Erie | 607 West Trade Street, Dallas, 28034 | None |
| Baker-Pegram Insurance | Travelers | 3039 S BLVD STE D, CHARLOTTE, 28209 | 704-522-6111 |
| Hutch Ham Agency, Inc. | None | 821 Baxter St Ste 312, Charlotte, 28202 | None |
| Nicole Nickols | Allstate | 207 N Main St Ste B, Stanley, 28164 | (704) 971-7158 |
| John Rose | Allstate | 2571b Pembroke Rd, Gastonia, 28054 | (704) 864-0318 |
| Allen Tate Insurance Services | Travelers | 6207 PARK SOUTH DR STE 201, CHARLOTTE, 28210 | (704) 547-5656 |
| Michael Glick Agency Inc | Nationwide | 1500 York Rd, Gastonia, 28052 | (704) 864-8621 |
| Main Street Financial Group Dba Main Street Insurance Group | Erie | 221 W 11Th St, Charlotte, 28202 | None |
| Phil Champion | State Farm | 27 E Catawba St, Belmont, 28012-3351 | 704-461-8944 |
| Jeremy Fulkerson | State Farm | 4805 Park Road, Charlotte, 28209-3676 | 704-523-9005 |
| Whitesides & Company Inc | Liberty Mutual Independent | 1355 E GARRISON BLVD, GASTONIA, 28054 | (704) 865-3455 |
Gastonia, 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 | +$43 | $1,013 |
| Driver's Failure In Showing Documents | +$94 | $1,064 |
| Driving With An Expired Registration | +$100 | $1,070 |
| Driving At A Considerably Slow Pace | +$210 | $1,180 |
| Using A Cellphone While Driving | +$222 | $1,192 |
| Running A Red Light | +$226 | $1,196 |
| Speeding | +$238 | $1,208 |
| Driving A Vehicle Without The Required Permission | +$302 | $1,272 |
| Driving With An Expired/Suspended License | +$654 | $1,624 |
Gastonia, 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 | $931 |
| Active Disabling Device | $931 |
| Tracking Device | $912 |
| Passive Disabling Device | $902 |
Latest Auto Insurance Reviews in Gastonia, NC | Back to Top
ProgressiveI am pleased with my experience with the customer service of my insurance company. I have not needed to file a claim but they are polite when I call regarding our premiums.
ProgressiveI absolutely recommend Progressive. I even called my dad after I saw how much cheaper their rates were than what I had before. I thought there was a mistake, so I called him to talk it over with him.
AllstateI would recommend my car insurance company. They will match any price plus they are super friendly. I actually enjoy calling and talking to them!
AaaHonestly I can speak too much about the premiums and deductibles when compared to other home insurance policies because I do not really like the process of comparing stuff between companies.
State FarmI have had a good experience with State Farm and am satisfied with their services.
State FarmI feel like there's a personal investment, and it's about keeping you and your family safe, caring for the person who is insuring their property for the agents.
Farm BureauThey offer a wide range of policys from the minimum legal requirement to full coverage and motorcycle insurance. They will also custom build a policy if you want to go that route.
Alfa InsuranceWe had an accident claim when my 19 yr old son hit a telephone pole. The car was totaled, they paid to have it towed from an island on the ferry to an auto repair shop just a couple miles from our home. They paid the blue book value of the car right away. They paid for my son's doctor bill and physical therapy. They kept my son on the insurance policy after the accident and the premium was not raised! (we had good driver points)
Alfa InsuranceWe had an accident claim when my 19 yr old son hit a telephone pole. The car was totaled, they paid to have it towed from an island on the ferry to an auto repair shop just a couple miles from our home. They paid the blue book value of the car right away. They paid for my son's doctor bill and physical therapy. They kept my son on the insurance policy after the accident and the premium was not raised! (we had good driver points)
ProgressiveProgressive premiums bmay be a little higher than other companies but I believe it's because they have very good coverage. Well worth the money.
AllstateAll state is awesome in terms of the plans they offer. They offer multi car discounts, safe driving discounts and they also offer may as you drive fees which are great for those who don't drive much.
Westfield InsuranceThe company is fairly small, so the customer service isn't as overreaching since business hours are a little short. Their website though is interactive and I prefer paying the policy online through it.