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The good news is that Charlotte car insurance does not have to be expensive. The better news is that you’re only a few clicks away from finding an affordable insurance policy. Using the form above you can get instant quotes.

These are the only way to compare many insurance companies in a reasonable amount of time. Even if you don’t want to purchase your policy online it is still a good idea to know what companies are charging.

If you’d prefer to deal with a local agent that’s fine too, as we have listings from many of North Carolina’s biggest insurers below.

Auto Insurance Agents in Charlotte

Charlotte Allstate Insurance Agents
Allstate currently has 40 agents in the city of Charlotte. On top of that it also many agents in Matthews, Concord, Fort Mill, Huntersville, Monroe and Waxhaw.

Charlotte Geico Insurance Agents
Geico just has one insurance agent in Charlotte. Their offices are open 6 days a week.

Charlotte Progressive Insurance Agents
Progressive insurance works with 5 different insurance agencies and brokers in Charlotte.

Charlotte State Farm Insurance Agents
State Farm is a leader when it comes to local auto insurance agents. At the current time they have 40 agents in Charlotte and hundreds more over the whole state of North Carolina.

Your insurance agency not listed? If you own an insurance agency that operates in Charlotte and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.

Normal Charlotte Auto Insurance Rates

Charlotte is not a bad place to buy auto insurance. According to the Insurance Information Institute (I.I.I.) it is ranked as the 8th cheapest urban area to buy coverage in 2011. They claim premiums for 2011 stand at $1,134 per year.

CarInsurance.com also claims that average auto insurance rates for the city are below average. Their numbers are slightly higher than the I.I.I. numbers, placing average premiums for Charlotte car owners at $1,419 per year compared to $1,515 per year for the US as a whole in 2011.

The actual average premiums paid by all Charlotte drivers are likely somewhat less than the numbers above, as the numbers from CarInsurance.com only come from those getting quotes online and those from the I.I.I. are only sample premiums not factoring in discounts. However, it is probably fairly safe to say the car insurance premiums in Charlotte, while more than the North Carolina average, are well below the US national average.

Charlotte Driving Information

Charlotte’s traffic congestion is about inline with what it should be for a city it’s size. It was recently ranked as the 36th most congested city in the United states by the INRIX National Traffic Scorecard. Since it is the 33rd largest area by population (according to their figures) it is actually doing slightly better than average.

Two highways make it on the 500 worst traffic corridors, the I-485 and I-85. However, just because traffic isn’t relatively bad in the city doesn’t mean that there aren’t issues. For example, Mecklenburg County is the 2nd most dangerous county in North Carolina for road deaths. There were 67 fatalities in 2009 on Mecklenburg’s roads.

As a result it is always a good idea to plan where and when you’re going to drive before doing so. The North Carolina Department of Transportation Traveler Information Management System arguably provides the best information; not only for Charlotte but for the whole state too.

North Carolina Car Insurance Laws

The Vehicle Financial Responsibility Act of 1957 was the original law passed requiring all North Carolina drivers to buy auto insurance and remains in force to this day (with some modifications over the years). The key things to know are: that North Carolina has a fault based insurance system and that you are required to buy minimum amounts of insurance.

The minimums are as follows:

  • Bodily Injury Liability Coverage: $30,000 for one person; $60,000 per accident.
  • Property Damage Liability Coverage: $25,000.
  • Uninsured/Underinsured Motorist Coverage equal to your Bodily Injury Liability Coverage.
  • Uninsured Motorist Coverage equal to your Property Damage Liability Coverage

These are the basics only if you have questions or concerns about your car insurance policy you need to get in contact with the North Carolina Department of Insurance and/or North Carolina Division of Motor Vehicles.

Tips For Charlotte Car Insurance Quotes

Car insurance can take a huge chunk of money from your household budget. At the same time, you can’t live without it; not only because the law requires it, but also because it provides protection for you and your loved ones while on the road. Listed below are some tips so you can get a good quote for your Charlotte car insurance policy.

The first thing that you will need to look into when shopping for affordable car insurance is to determine how much coverage you want to get. Certainly, North Carolina has its own laws about what the minimum car insurance coverage motorists should have (see above).

However, the rule of thumb when it comes to car insurance is to go beyond the minimum. Ideally, you will want to get a comprehensive policy. However, if the price of this is a little too steep, do try to get as much coverage as you can afford. Make sure you get coverage for things like bodily injury and medical payments, as well as property damage.

Just because you plan on getting an extensive policy doesn’t mean you have to spend all of the money in your bank account to get the coverage that you want. The key to getting affordable Charlotte car insurance is to ask for different quotes from car insurance companies.

Not only will you be able to compare and contrast the differences of the car insurance rates of these groups, you will also be able to see just how much coverage each of them are willing to offer you.

North Carolina is widely acknowledged to be one of the states that has among the cheapest auto insurance rates in the United States. Even so, don’t take this for granted. By shopping around and asking for quotes from different Charlotte car insurance companies, you stand to get a good deal while getting the coverage that you want.

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More Information

City of Charlotte and Mecklenburg County Official Government Website

North Carolina Department Of Insurance Services for Consumers – Auto Insurance

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