Raleigh, North Carolina is one of the fastest growing cities in the United States, with an estimated population of about 392,000 people and a metropolitan population (when combined with the other Research Triangle cities, Durham and Chapel Hill) of almost 1.7 million according to the United States census. It's the state capital of North Carolina, and one of the oldest cities in the country. It's also home to quite a few drivers, and car insurance can be a major cost in Raleigh and throughout North Carolina.
You should be sure that you understand the minimum required coverage levels of North Carolina before purchasing insurance. Lower coverage levels can lead to lower premiums, but the state requires a minimum of $30,000 in bodily injury liability up for up to $60,000 per accident (as well as another $30,000/$60,000 for uninsured motorist bodily injury liability) and property damage liability of $25,000 (with uninsured motorist property damage liability of an additional $25,000). Although these are high minimums when compared with many states, it's inadvisable to buy only the legal minimum amounts of coverage, as the cost of a single accident can easily overwhelm these coverage levels in many situations. Still, dropping some coverage can lower premiums.
There are a number of ways to find lower Raleigh auto insurance quotes without sacrificing coverage. Raleigh is a very biker-friendly city, and has an ample public transportation system. Drivers that commute to work via bike or bus may qualify for low mileage discounts from Raleigh car insurance companies. These discounts vary from one insurer to another, and they're not always available; when they are, they usually provide significant relief to a driver's premiums, although regular odometer checks are required at the beginning or end of every policy period. While Raleigh doesn't have a serious auto theft problems, many drivers can become eligible for additional discounts by installing car alarm systems. Again, these types of discounts vary from insurer to insurer.
If you're looking for low Raleigh car insurance quotes, it's very advantageous to gather as many quotes as possible. Drivers who research multiple quotes stand a much better chance of finding decent premiums, and it's much easier to negotiate with your current Raleigh car insurance company if you've got their competitors' rates right in front of you. We offer a car insurance quote system that can provide Raleigh drivers with several reliable quotes from major insurers. Drivers simply need to enter a zip code to see quotes from their area. It's a valuable tool if you're shopping around, and can greatly lower the cost of car ownership in the Raleigh area. Let us help you get the most value for your money on Raleigh auto insurance.