Charlotte Car Insurance (NC)

Residents of Charlotte, North Carolina - population 610,949- spend an average of 25 minutes commuting to and from work each day, and 77% of people drive alone.

Ways to Save on Your Charlotte Car Insurance

The average car insurance premiums in the state of North Carolina are around $717, which is quite a bit lower than the national average of $914, but residents should not take that to mean there are no additional ways to lower the amount they pay for car insurance. Taking driver's education classes, driving high safety rated vehicles, and maintaining a good driving record will all go a long way in lowering Charlotte, NC auto insurance costs. If you also insure a home or have life insurance - consider combining all policies with one insurance company for a multiple line discount.

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Many factors contribute to the rate of auto insurance premium you pay in Charlotte. You may think that the car you drive is small, and since it was fairly inexpensive to purchase that your insurance premium will be lower. Unfortunately, many of the smaller, less expensive vehicles are high on the list of most stolen cars - so if you are driving any of the following ten vehicles most stolen in 2005 in North Carolina, chances are your car insurance rates are higher due to the theft rate:

1. 1994 Honda Accord
2. 1995 Honda Civic
3. 1996 Jeep Cherokee/Grand Cherokee
4. 1996 Dodge Caravan
5. 1998 Ford Explorer
6. 1991 Toyota Camry
7. 1997 Ford Taurus
8. 1997 Ford F150 Series
9. 1996 Chevrolet Cavalier
10. 1990 Chevrolet Full Size C/K 1500 Pickup

If your goal is to lower your Charlotte, NC auto insurance premium, and you are in the market for a new vehicle - select a vehicle from the 2007 or 2008 Top Safety Awards from the Insurance Institute of Highway Safety, which include several models from Honda and Ford, as well as Hyundai, Subaru and Audi.

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