Cheapest car insurance in Cary

 There are several companies that provide the best cheap car insurance in Cary. Although Cary residents pay an average of $410 per year for minimum coverage and $1,165 for full coverage, many carriers offer rates that are lower than this average. Geico, State Farm, Nationwide, and Erie all have lower average premiums.

Cheapest car insurance in Cary

Insurance requirements for Cary
Drivers in North Carolina are required to have at least the bare minimum of auto insurance coverage. This includes liability coverage of 30/60/25 as well as uninsured/underinsured motorist coverage. 

Per person, bodily injury liability coverage of $30,000 is provided.
Per accident, bodily injury liability coverage of $60,000 is provided.
Property damage liability coverage of $25,000 per accident
Uninsured motorist bodily injury coverage of $30,000 per person
Uninsured motorist bodily injury liability coverage of $60,000 per accident
Uninsured/underinsured motorist property damage of $25,000

Although it may be tempting to only purchase the bare minimum in order to stay within a budget, you may be required to purchase additional coverage by other entities. For example, if you lease or finance your vehicle, you will almost certainly be required to purchase comprehensive and collision coverage, as well as higher liability coverage limits in some cases.

Cary car insurance discounts
North Carolina may be one of the least expensive states for auto insurance, and Cary certainly follows the state trend in rates, but you may still want to take advantage of all available discounts. Look for additional ways to save money, such as: 

Bundling: If you already have a homeowners or renters policy with the same insurance company, adding auto insurance coverage with the same company may qualify you for a bundling discount.
If you are willing to install a telematics device or connect to a mobile app via bluetooth to monitor your driving habits, you may be eligible for additional savings based on the feedback you receive.

Paid-in-full: If you pay your premiums in full before the renewal date rather than monthly payments, you may save more money by avoiding costly fees.
Good grades: If you are a student at one of Cary's many universities or high schools, your good grades may qualify you for lower premiums.
If you want to save money in addition to using coupons, there are other options. A higher deductible lowers your premium because you are essentially taking on more risk and agreeing to pay higher out-of-pocket costs.Furthermore, comparison shopping allows you to get the best rate with the best coverage available. Rates and options differ from one carrier to the next, and the only way to find out how much you can save is to compare multiple companies.

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