Brevard

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Brevard North Carolina Auto & Home Insurance

FIND THE CHEAPEST RATES FOR YOUR AUTO & HOME INSURANCE NEEDS

Insurance Rating Factors In Brevard

When it comes to your car insurance, your rates are going to vary depending on many factors. We are going to look at the list below and name the factors from High impact to low on your ratings. Age and credit history are going to have the highest impact on your car insurance rates. Factors like your auto insurance history, type of vehicle, and even your vehicle performance and how many drivers are listed on your policy, are going to have a “medium” affect. Look at the chart below or contact your agent today for other factors!

FactorRate Impact
lien holderNone
AgeHigh
vehicle performance (symbol)Medium
How long have you owned the vehicleLow
Claims HistoryMedium
EducationLow
State RequirementsMedium
Major Violations (DUI,DWI,etc)High
vehicle safety featuresMedium
LocationMedium

How Age And Gender Affect Your Insurance Rates

When it comes to age, that may be a given that the older you are the better auto insurance rates you may get because simply you have more experience in driving and will not be much of a higher risk. Now when it comes to gender, it may sound unfair but when it comes to gender, studies shows that males pay more for auto insurance. Now, that is only because when studies show that men simply drive more than women. When you drive more, the more at risk you are to have accidents and file claims. Contact your agent to find out more information on this topic. Look at the chart below to see age ranges and prices in Brevard, NC.

AgeMaleFemale
16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08

We Save Our Clients In Brevard An Average of $605.55 

Ever wonder what we can save you on average on Auto Insurance? Imagine what things you can buy with all the savings! Let us look at an example of savings we saved new customers in Brevard, NC. We saved them an average of $605.55! Do you know what that equals to in British Pound… $$478.87 and in Mexican Pesos is $12,895.20? Imagine saving that much! What would you get or do with all that savings? Contact your agent today and see what we can save you!

New Customers in Brevard, North Carolina Save on Average$605.55
Number of Candy bars you could buy435
Months of Netflix you could afford with your savings43
Number of Peanuts you could buy107568

Other Types Of Insurance We Carry In Brevard

Here at A Plus Insurance we offer our customers much more than just auto insurance! We have a wide variety of insurance that we would love to help you with. Anywhere from boat and motorcycle insurance to Home and RV insurance. We even offer business Insurance! Contact us today so we can help you!

Type of CoverageOur Top Companies
Motorcycle InsuranceDairyland, Progressive
Renters InsuranceASI, Foremost
Commercial Auto InsuranceProgressive
Home InsuranceTravelers, ASI, Foremost Star
RV InsuranceProgressive, Travelers
Car InsuranceProgressive, Dairyland,
Business InsuranceBTIS, Hiscox

MINIMUM COVERAGE REQUIRED IN BREVARD NC

Brevard, North Carolina offers many attractions to appeal to families or friends looking for a fun day out. They are most famous for the hiking and camping in Pisgah National forest. Kayaking in the French Broad River . The quaint downtown areas that offer cultural food, festivals, shopping, and various live music. Whether you live locally in North Carolina or just stopping through, its beneficial to know the local insurance laws. All registered vehicles in North Carolina are required to have continuous liability insurance.

By law calls for uninsured/underinsured motorists, minimum bodily injury, and property damage coverage. This uninsured/underinsured provides protection when someone who is uninsured, at fault in an accident causes injury to you as the insured. Bodily injury covers damages or injuries that occur as a result of a at fault accident. Property damage liability pays for damages that occurs to someone’s property. That is the minimum required by North Carolina. But what happens if you hit a family one day, someone gets injured badly, and you get hit with a bill amounting over $100,000 in hospital bills. This is where medical payments come in. This coverage pays for necessary medical and/or funeral expenses due to a auto accident. This coverage applies to you whose name is on the policy, any other person that is driving your covered vehicle, or any vehicle driven by you or another family member. Everything is GREAT!!

For Brevard College Students

There are incentives to good rates on car insurance. Drivers that have more that a high school diploma generally pay less. Also get a good student discount for Auto insurance. An example: a driver with a high school diploma might get quoted at a rate that is 20% higher than someone who graduated college with a bachelors degree. Discounts to good students are offered to those who have a 3.0 GPA or higher, those that make the deans list, or the honor roll.

Some other factors to consider include: Your credit. Paying credit card bills late can drive rates up quick. Your job can also pay a part. An example might be a traveling salesman can be quoted significantly higher than a office executive. Rates do vary from each company to the next, so its smart to shop around. But, ask friends and family for their opinion on the right company instead of going off the price alone.

BEFORE YOU BUY INSURANCE

Either a used car or brand new check out the insurance costs so you know what you’re signing up for. Asking for higher deductibles when getting a quote can lower the rate significantly! An example of that is going from a $200 deductible to a $500 deductible. That alone could lower your rate by 15 to 30 percent. A good rule of thumb with is calculating what an older car is worth. If it’s older than 10 times what the premium is going to be, comprehensive insurance may not be the best option for you. Bundling different forms of policies can also be helpful. Many insurance companies will give you a substantial break if you bundle Auto and Home together.

Perhaps if you work from home or you do not drive many miles per year. You could receive a low mileage discount. Defensive driving courses, having more than 1 vehicle, no accidents in 3 years, or no moving violations in 3 years can also add even more discounts. So whether you live locally in the Brevard area or looking to relocate to the beautiful mountainous area when you are shopping for car insurance be sure to give A Plus insurance a call. A live agent would be happy to help you!

Why You Need Us For Your Insurance Needs

Whether you have a house, car, ATV, boat, or any variation of these items, you need insurance. What you also need is affordable insurance. That’s where our agents shine. Our Brevard NC agents are highly knowledgeable experts in car, home, boat, and ATV protection. If anyone can find affordable but comprehensive policies for you and your family, they can certainly do the job. 

For fast customer support, expert agents, inexpensive policies and friendly people, contact us today. Get a quote and get on the road or the water knowing that you’re protected against the slings and arrows of life.

Do you plan on moving? Don’t forget we can provide Insurance for you in other states as well!

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Last Updated on June 30, 2021 by Katie Sopko

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