How to Get the Best Price from High Point Auto Insurance Companies

When trying to find a good insurance agent in High Point, North Carolina, it’s recommended you begin your search online rather than looking in the yellowpages. For this article’s sake, it’s assumed you’re looking for a decent agent, but you also want to find great rates as well.

With companies like Farmers, Allstate, and independent agents all competing for business in High Point, it’s hard to tell which one will provide the lowest rates and best service. To help decide, consumers can get online price quotes in order to build a list of insurance agents and price estimates.

Best way to find High Point agents

Agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of price shopping on the web is that you can obtain lower rates and still have an agent to talk to. Buying from local agencies is important especially in High Point.

Once you complete this form (opens in new window), your information is immediately sent to local insurance agents in High Point who will compete for your insurance coverage. You won’t need to even leave your home due to the fact that quote results will go to the email address you provide. How’s that for easy!

Below is a short list of car insurance agents in High Point that may be able to provide price quotes.

Allstate Insurance Co – 3805 Tinsley Dr # 151, High Point, NC 27265 – (336) 882-5481
Baity Insurance Svc – 1983 Eastchester Dr, High Point, NC 27265 – (336) 454-9020
Melissa H Thompson Insurance – 2376 Hickswood Rd # 104, High Point, NC 27265 – (336) 812-4755
Protective Agency Inc – 2620 S Main St # 144, High Point, NC 27263 – (336) 889-7444
State Farm Insurance – 1620 Eastchester Dr # 104, High Point, NC 27265 – (336) 884-1675

Choosing a car insurance agent needs to be determined by more than just the price. Some important questions to ask are:

  • How long has their agency been in business in High Point?
  • Is the agency involved in supporting local community causes?
  • Does the company allow you to choose your own collision repair facility?
  • Are they properly licensed to sell insurance in North Carolina?
  • What insurance companies do they work with?
  • Do they receive special compensation for putting your coverage with one company over another?

After receiving good answers to all your questions and an acceptable price quote, it’s possible that you found an insurance agent that is a good match to insure your vehicles.

How to know if you need help

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my vehicle covered for flood damage?
  • What vehicles should carry emergency assistance coverage?
  • Can I drive in Mexico and have coverage?
  • Do I need motorclub coverage?
  • How high should my uninsured/underinsured coverage be in North Carolina?
  • Are my tools covered if they get stolen from my vehicle?
  • Is North Carolina a no-fault state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent.

But what about online car insurance?

Licensed agents serve a purpose, but North Carolina drivers can also buy direct online. Even companies, such as Farmers Insurance and State Farm, who sell through the agent channel additionally provide the ability to buy direct on their websites, so keep that in mind if you don’t want to take the time to contact agents.

If you’re concerned about not having an agent to talk to, that is quite common when buying online the first time. Online car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options that you can contact for information.

Are online rates lower? Whether or not you’ll save is impossible to say because there are so many things that can increase policy rates. Common logic is that a shopper who purchases direct saves by not paying a commission. For most companies selling online, however, online and traditional media advertising are expensive and this drives up their premium costs.

Quote more, save more

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped physical damage coverage to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Auto insurance in High Point

Affordable auto insurance can be found from both online companies and also from your neighborhood High Point agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

For more North Carolina auto insurance information

Much more information about auto insurance in North Carolina is located on the website for the North Carolina Department of Insurance located here. Visitors are able to learn about specific coverages, file complaints about an insurance agent or broker, view agent and company licensing information, and find disaster information.