UPDATED: Mar 13, 2020
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Cheap Car Insurance in Fayetteville, NC
Do you think everyone deserves cheap auto insurance in Fayetteville, NC? Because we sure do! And we want to make sure you get it, too.
Here at AutoInsuranceEZ.com, we have the expertise you need to get the most affordable rate in your zip code. As a matter of fact, all you need is that five-digit number to start saving hundreds of dollars a year in 5 minutes or less.
Not to brag or anything, but Fort Bragg – one of the most prestigious Army bases in the continental US – is located just Northwest of Fayetteville, North Carolina.
The city has also received multiple awards over the years, including the All-American City award from the National Civic League a grand total of three different times.
- Fun fact: Uh-oh, you might want to lock your doors – Fayetteville, unfortunately, is #9 on the top 10 list of highest burglary rates per capita. Of course, this is when you factor in that it is not a tourist destination or a place with outside visitors who frequents the city. But there are plenty of wonderful things to learn about Fayetteville here.
Auto Insurance Coverage Requirements in North Carolina
Driving legally in Fayetteville requires:
|Bodily Injury Liability||30,000/60,000||100,000/300,000|
|Property Damage Liability||25,000||50,000|
|Uninsured Motorist Bodily Injury||30,000/60,000||100,000/300,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||0 deductible|
The legally required type of coverage, known as liability coverage, protects you financially when you cause an accident. It also protects the people whose person(s) or property you damage as a result of causing an accident.
Purchasing to little liability coverage means that they could sue you for the full extent of the damages – which is why you shouldn’t skimp on your liability coverage if you can afford more.
Unfortunately, like most things in the insurance industry, buying more means you will be paying more for it.
Compared to many other states, average insurance rates in North Carolina aren’t necessarily back-breaking. the average motorist is paying about $87 a month for their coverage. This is fair, but there’s a good chance you could do better.
Shopping around for quotes from different companies is a great way to start. Many drivers can save up to 33% or more just by calling around and asking for free quotes.
You can’t exactly argue that the larger, mainstream auto insurance companies are more expensive than smaller, local outfits – not in Fayetteville, at least.
Just looking at the graph below, you can see that there is about an $80 difference between State Farm and Nationwide. Which means that if you switch to the right company, you could potentially putting $80 extra in your pocket each month.
That’s why shopping around is so important when it comes to North Carolina auto insurance.
Here on this page, we can only give you estimates; but if you give us a little more information about you, we can help you find fair and accurate quotes from car insurance providers in your area. And we can connect you to the best companies who are willing to offer you the most affordable price for the coverage you need.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Major Car Insurance Factors in Fayetteville
It’s hard to believe how detailed some insurance providers can get when it comes to adding up all the numbers and figuring out how much to charge you for your premiums.
There’s a lot more work and math that goes into it than most people think. But that doesn’t mean you can’t fiddle with the numbers and make that equation equal savings for you.
Your Zip Code
There were only 204,777 people living in Fayetteville city limits. Also, according to recent statistical data, people who live there are bringing home just under $43,000 a year, which is the median household income.
This information is important because your insurance company may be wary of the fact that you’re sharing the roads with over 200,000 other drivers. They may also look at property values as a sign that theft and/or vehicle vandalism may be a problem.
And if any of this data makes them nervous, you could see higher auto insurance premiums.
Car accidents, especially serious and deadly ones, are little on the high side when it comes to the population of Fayetteville.
Again, we don’t mean to beat a dead horse, but this data may make your insurance provider more likely to charge you higher premiums than lower ones.
There are ways to get around this, however. If you have the option of taking a defensive driving course or taking other proactive steps to demonstrate your safety as a motorist, you should ask your insurance agent if those options are available to you.
Auto Thefts in Fayetteville
Auto thefts in Fayetteville have been on a relatively steady decline ever since 2006.
But that doesn’t mean you should let your guard down. This is especially true if you have a more expensive, luxury vehicle, or a vehicle which is targeted more often by thieves due to circumstances you wouldn’t think of.
A good first step is to ask your insurance agent if the vehicle you drive makes you more vulnerable to auto theft. But if you can’t change your vehicle, ask them about proactive steps you could be taking like installing an alarm system or finding a safer place to park your car.
Your Credit Score
Managing and maintaining a high credit score is one of the most important things you can do as an adult. But it’s not as overwhelming as it seems.
There are plenty of free credit reporting agencies which will let you start a free account and track your credit score over time. Some of them even have tools and advice you can use to manage your credit and boost your score.
The closer you monitor your own credit – and the more proactive you are about paying your bills on time and keeping your credit in a respectable place – the more you can save on your car insurance (among many other things).
As the kids say these days: young drivers are the worst. At least, that’s what most auto insurance companies believe.
To be fair, the data does not fall in the favor of the average teenage or young adult driver. They have the least amount of experience behind the wheel, and they cause the most accidents – especially the serious, expensive ones.
If you are a young driver, or if your child is just starting to learn how to drive, good grades and plenty of driver’s education courses are very important. Bundling the whole family together under a single policy can get you additional discounts, too.
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Your Driving Record
Here’s an easy way to remember one very important principle of auto insurance: safe drivers save money. Specifically, if you have a clean driving record, you’re automatically eligible for lower rates.
But even if you have a recent ticket or fender bender, it’s not the end of the world. With time, those blemishes will go away. It usually takes about three to five years before your insurance stops counting them against you.
And if you can take a defensive driving course in the meantime, it could help you save money. Just ask your insurance agent for clarification on how that process works in North Carolina.
Lots of people might not know but their car insurance policy follows their vehicle more than it does themselves as the driver.
Otherwise, why would an insurance company even bother asking you about what you drive or how old your vehicle is? Sure, when it comes to legally mandated liability coverage, it doesn’t really matter.
But if you have a newer vehicle which requires things like comprehensive, collision, our gap-loss coverage, it can matter a great deal – especially to your monthly budget.
Minor Car Insurance Factors in Fayetteville
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Married couples – in addition to being married – can get some extra perks from their car insurance provider. Most companies will offer a 1% – 3% discount just for being married, because they assume you will be driving more carefully to make sure you make it home to your sweetheart each day.
But if you and said sweetheart decide to bundle your insurance together under the same company, you could get as much as 10% or more off your monthly premiums.
Is it true that one gender is more dangerous behind the wheel than the other? Almost everybody has an opinion on the subject. But if you’re worried about getting a lower rate on your monthly car insurance premium, the opinion you should worry about most is your auto insurance company’s.
After all, if they’re one of the few companies that still evaluates gender when coming up with your monthly premium – and you aren’t the gender they prefer – that’s just one extra reason the shop around.
Your Driving Distance to Work
Fayetteville drivers will probably spend a little extra time behind the wheel – at least 15, but up to 20 minutes or more – getting to work each day. And this matters to your insurance company because the longer you spend on the road, the higher your likelihood of getting into an accident.
And they don’t want you getting into an accident any more than you do.
Also, keep in mind that more than 75% of people living in Fayetteville we’ll be on the road and their own vehicle instead of carpooling or using public transportation. This is another scary statistic which can boost your likelihood of getting into an accident.
If you have a particularly long commute and if you tend to drive during rush hour traffic more often than not, it’s best to keep those facts to yourself. But if these aren’t your personal circumstances, you can use that to your advantage.
Call your insurance agent and ask if they offer some sort of mileage discount if you agree to install a device which logs your miles and you’re driving times during the day.
You could save a third off your monthly premiums if your insurance company is happy with your low mileage and off-peak driving.
Your Coverage and Deductibles
If you don’t have comprehensive or collision coverage, then you can skip this section. But if you do, then you should have a clear understanding of what your deductible is and where it should be set.
The higher your deductible (which is the amount of money you agree to pay up front if you need to file a claim to fix damage done to your vehicle), the less your insurance company will charge you for your monthly premiums.
Just be careful and save that money aside so that your life doesn’t get turned upside down if you suddenly find yourself with a damaged vehicle and no money to pay the deductible.
Education in Fayetteville, NC
Nearly 1/4 of the Fayetteville population has successfully achieved a high school equivalency education (meaning either a high school diploma or a GED). another 21% have gone on to attempt some years of college, even if they didn’t quite finish.
But you should know that if you are in a position to pursue higher education, it’s a good idea for many different reasons. And getting a better rate on car insurance is one of them.
Fayetteville State University is a public school which offers bachelor’s, master’s, and even Doctorate Degrees for aspiring students. There’s also the Carolina College of biblical studies and Methodist University if you want a side of Jesus with your higher education.
Furthermore, Fayetteville is home to many technical schools within city limits if you don’t want to commute very far.
Nobody should get stuck in too deep of a rut with their car insurance company. Sure, many of them offer discounts for customers who have been loyal for many years – but is it really worth it if they stop being loyal to you? It can’t hurt to look around.
Just give us your zip code and we can tell you in 5 minutes or less whether or not you are paying the most affordable rate for the best coverage.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.