Leland, NC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Leland, 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.
Discounts Available on Car Insurance in Leland, NC
Car insurance is one of the most important things to protect yourself and your car. Whether driving to work or taking a leisurely drive on the weekends, you never know when an accident will happen. That's why having car insurance is so important – it can help cover the cost of repairs or replacement if your car is damaged or totaled in an accident. There are a lot of different factors that go into determining your car insurance rates. Your age, gender, driving history, and the type of car you drive are all important factors. But where you live is also a big factor. Your ZIP code can have a big impact on your car insurance rates.
The average cost of car insurance in Leland, NC, is $1,021. No matter which option you choose, make sure that you are getting the coverage that you need. Car insurance is an important part of being a responsible driver. Zimlon has compiled a list of car insurance providers in Leland, NC, after comparing quotes from the city's top car insurance providers.
Car Insurance Rates Based on Age
Car insurance rates in Leland, NC, vary significantly based on the driver's age. For example, a teen driver can expect to pay about $3313 for car insurance, while a 40-year-old driver will pay only $972. This difference is due to the fact that younger drivers are considered to be more of a risk by insurance companies and are therefore charged higher rates.
Car Insurance Rates Based on Credit History
Insurance companies use credit scores to determine rates because they’re a good predictor of risk. Studies have shown that drivers with lower credit scores are more likely to file claims and get into accidents than drivers with higher credit scores. You can still get car insurance if you have a poor credit score, but you’ll likely pay more. For instance, in Leland, North Carolina, car owners with exceptional credit scores pay $876 for vehicle insurance. In contrast, drivers with poor credit must spend $1,665 for auto insurance in Leland, North Carolina. You can do a few things to help lower your rates, such as shopping around for the best deal, buying a less expensive car, or taking a driver’s education course.
Car Insurance Rates Post-DUI
If you have been arrested for DUI in Leland, NC, your car insurance rates will go up significantly. This is because insurers view DUI offenders as high-risk drivers. They are more likely to be involved in accidents and, thus, pose a greater risk to the insurer. To offset this risk, insurers charge DUI drivers higher rates. For instance, on average, Leland, North Carolina, charges $1,021 for auto insurance. After a DUI, the driver must pay $4,188 in vehicle insurance premiums.
Factors that can influence the cost of car insurance in Leland, 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.
- Leland, NC Auto Insurance Rates
- Leland, NC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Leland, NC
- Multi Vehicle Insurance Savings in Leland, NC
- How Credit Score Affects Car Insurance Rates in Leland, NC
- How DUI Affects Auto Insurance Premiums in Leland, NC
- Top Auto Insurance Agents Near Leland, NC
- How Driving Violations Affect Auto Insurance Rates in Leland, NC
- Leland, NC Auto Insurance Discounts on Anti Theft Feature
Leland, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Leland, NC with that of other cities in and around Leland.
| Leland | Wilmington | New Hanover County | Hightsville | Belville | Silver Lake | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,021 | $1,037 | $1,033 | $1,022 | $1,005 | $986 |
Leland, 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 Leland, 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) |
|---|---|---|
| Leland | $1,606 | $1,356 |
| Belville | $1,410 | $1,191 |
| Town Creek | $1,089 | $920 |
| Navassa | $1,415 | $1,195 |
| Silver Lake | $1,437 | $1,214 |
| Hightsville | $1,111 | $939 |
| Wilmington | $1,447 | $1,222 |
| New Hanover County | $1,440 | $1,216 |
Leland, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Leland, 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 | $3,313 |
| 20 Years | $1,312 |
| 30 Years | $1,010 |
| 40 Years | $972 |
| 50 Years | $900 |
| 60 Years | $913 |
| 70 Years | $1,063 |
Leland, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Leland, 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 | $1,736 | $306 |
| 3 Vehicles | $2,604 | $459 |
| 4 Vehicles | $3,471 | $613 |
Savings on 2 Vehicles bundle:$306
Savings on 3 Vehicles bundle:$459
Savings on 4 Vehicles bundle:$613
Leland, 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 Leland, NC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Leland | $1,021 | $4,188 |
| Belville | $1,005 | $4,122 |
| Town Creek | $1,004 | $4,118 |
| Navassa | $964 | $3,954 |
| Silver Lake | $986 | $4,044 |
| Hightsville | $1,022 | $4,192 |
| Wilmington | $1,037 | $4,253 |
| New Hanover County | $1,033 | $4,237 |
Leland, 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) | $876 |
| Excellent (740-799) | $1,000 |
| Good (670-739) | $1,064 |
| Average (580-669) | $1,388 |
| Poor (300-579) | $1,665 |
Leland, 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 |
|---|---|---|---|
| David Ager | Allstate | 4837 Carolina Beach Rd Ste 101, Wilmington, 28412 | (910) 392-5040 |
| Josh London | State Farm | 1112 E Cutlar Crossing Ste 104, Leland, 28451-7678 | 910-383-1303 |
| Henry Brown | State Farm | 2816a S College Rd, Wilmington, 28412-6827 | 910-395-2300 |
| Tim Moore | State Farm | 7016 Market Street, Wilmington, 28411-9728 | 910-686-1272 |
| Owens Insurance Agency & Financial Services Inc. | Nationwide | 5704 Oleander Dr STE 101, Wilmington, 28403-4730 | (910) 392-1985 |
| American Auto Club Ins Agency Llc | Travelers | 906 S COLLEGE RD, WILMINGTON, 28403 | 910-865-5186 |
| Tianliang Li | Travelers | 5315 S COLLEGE RD STE F, WILMINGTON, 28412 | 910-799-9199 |
| Harmon W Mishoe Jr Insurance Inc | Nationwide | 929 S College Rd, Wilmington, 28403-4411 | (910) 791-5567 |
| Cross Roads Insurance Of Wilmington Inc. | None | 4555 Fountain Dr, Wilmington, 28403 | None |
Leland, 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 | +$45 | $1,066 |
| Driver's Failure In Showing Documents | +$99 | $1,120 |
| Driving With An Expired Registration | +$105 | $1,126 |
| Driving At A Considerably Slow Pace | +$222 | $1,243 |
| Using A Cellphone While Driving | +$234 | $1,255 |
| Running A Red Light | +$238 | $1,259 |
| Speeding | +$250 | $1,271 |
| Driving A Vehicle Without The Required Permission | +$318 | $1,339 |
| Driving With An Expired/Suspended License | +$688 | $1,709 |
Leland, 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 | $980 |
| Active Disabling Device | $980 |
| Tracking Device | $960 |
| Passive Disabling Device | $950 |