Is Your Chapel Hill, NC Car Insurance Breaking the Bank?

Price shopping your Chapel Hill car insurance is always nearly impossible for beginners to shopping for insurance online. You have so many choices that it can easily become a real hassle to find lower rates in Chapel Hill.

It’s a good idea to get comparison quotes at least once a year because insurance rates change quite often. If you had the lowest rates six months ago there is a good chance you can find better rates now. So just forget all the misinformation about car insurance because you’re about to learn the only way to find lower rates on car insurance.

Buying car insurance in Chapel Hill is quite easy. If you have insurance now or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. North Carolina drivers only need to know the proper way to find the lowest price over the internet.

Where Can I Get Cheap Chapel Hill Car Insurance?

Effectively comparing car insurance prices can take time and effort if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with insurance agencies in Chapel Hill, or you could save time and use the web to get prices fast.

All the larger companies participate in a marketplace that enables customers to submit one quote, and at least one company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions for every car insurance company.

To compare rates using this form now click here to open in new window.

The only downside to getting quotes like this is that consumers can’t choose which providers you will receive quotes from. So if you prefer to pick specific providers to compare prices, we have a listing of companies who write car insurance in North Carolina. View list of North Carolina insurance companies.

However you get your quotes, double check that you are using exactly the same information with every price quote. If each company quotes different values for each quote you can’t possibly make an equal comparison in Chapel Hill.<img class="alignright" style="padding-top:15px" src="" alt="Chapel Hill insurance quotes” />

Aren’t my neighborhood agents an option?

Some consumers would rather sit down with an agent and that is OK! Agents are trained to spot inefficiencies and give you peace of mind. The best thing about getting online price quotes is you can get lower rates but also keep your business local.

To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to local insurance agents in Chapel Hill who will return price quotes for your insurance coverage. You never need to drive around as quotes are delivered directly to your email. How’s that for easy!

Choosing a company requires more thought than just the premium amount. Some important questions to ask are:

  • What are the financial ratings for the companies they represent?
  • Which company do they place the most coverage with?
  • Do they regularly work with personal auto policies?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is the agent and/or agency licensed to do business in North Carolina?

Independent or Captive: It’s your choice

If you’re trying to find a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Chapel Hill are either captive or independent (non-captive). Both insure your vehicles, but it’s worth learning the difference between them because it can influence your agent selection.

Captive Agents

Captive agents write business for a single company like State Farm, AAA and Liberty Mutual. They are unable to give you multiple price quotes so keep that in mind. These agents are trained well on their company’s products and that can be a competitive advantage. Consumers sometimes purchase coverage from captives partially due to high brand loyalty and solid financial strength.

The following is a short list of captive insurance agencies in Chapel Hill that can give you comparison quotes.

  • State Farm Insurance – 6118 Farrington Rd # I – Chapel Hill, NC 27517 – (919) 489-4846
  • Allstate Insurance – 117 Timberhill Pl – Chapel Hill, NC 27514 – (919) 929-1000
  • Liberty Mutual Insurance – 300 Meadowmont Village Cir 316 – Chapel Hill, NC 27517 – (919) 932-9552
  • Farm Bureau Insurance – 141 Providence Rd # 140 – Chapel Hill, NC 27514 – (919) 403-8987
Independent Agencies or Brokers

Independent agents are not locked into one company so they have the ability to put coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent.

When comparison shopping, we recommend you include at a minimum one independent agency to get the best comparison.Most can insure with smaller regional carriers who may have lower rates.

Chapel Hill insurance quotes

Shown below are Chapel Hill independent agencies who can help you get comparison quotes.

  • W Don Cox Agency – 73 S Elliott Rd – Chapel Hill, NC 27514 – (919) 942-3366
  • Village Insurance Inc – 1829 E Franklin St – Chapel Hill, NC 27514 – (919) 968-4611
  • Bowen Agency – 1801 E Franklin St # 202b – Chapel Hill, NC 27514 – (919) 929-4222
  • Ted B Seagroves Agency – 1506 E Franklin St # 100 – Chapel Hill, NC 27514 – (919) 942-8733
  • Phil Crisp Insurance – 1322 N Fordham Blvd # 9 – Chapel Hill, NC 27514 – (919) 265-0123

For a full directory of car insurance agents in Chapel Hill, simply jump to this page.

After getting good answers to any questions you have and a good coverage price, most likely you have located an insurance agency that will provide car insurance coverage.

Learn more about North Carolina car insurance

More detailed North Carolina car insurance information is available at the North Carolina Department of Insurance website. North Carolina drivers can find a variety of consumer forms, learn about insurance regulations, read state legal mandates and laws, and read enforcement actions against agents and companies.