AUTO
Auto

Your Source for Comprehensive Auto Insurance
in Red Springs & Hope Mills, NC

Auto insurance coverage is not only recommended, it’s required by the State of North Carolina. It’s vital for car owners to have auto insurance should anything happen to their vehicles. 

Accidents happen all the time, from minor fender benders to roll overs, and t-bone collisions. That’s why it’s important to be prepared for the unexpected. At Mid-Atlantic Insurance Services, we offer auto insurance policies with the lowest rates for the Raeford, Hope Mills and Red Springs, NC areas. You don’t have to pay thousands of dollars each year for top-notch auto insurance; all you have to do is call our agency to learn about our comprehensive, affordable policies. 
Auto Insurance Hope Mills, NC

Tips for Lowering Your Car Insurance

As drivers, we are required to have car insurance for the vehicles that we drive. You need to have a minimum of liability coverage to legally operate a vehicle in the state of North Carolina. We all have many bills that must be paid every month and car insurance is one of them if you are a car owner. Thankfully, there are things that you can do to reduce your auto insurance premiums. They include:


  • Shop Around: Every insurance company will offer you a different rate for the same coverage. Their rates differ because of the unique formulas they use to calculate rates. The weight that they use for each factor differs. So, shop around and see what each insurance company offers you.


  • Maintain a Good Driving Record: A big factor that impacts your auto rates is the number of traffic tickets and auto accidents that you have been in. The fewer tickets you get and accidents you are involved in will mean that your insurance rates will be less.


  • Take a Defensive Driving Course: Auto accident prevention courses are great for teaching responsible and safe driving habits that reduce the likelihood of getting into a collision. Most auto insurance providers offer discounts that last several years for taking a single accident prevention course.


  • Boost Your Credit Score: Your credit score is a factor used to determine how much your car insurance premiums are going to be. The higher your credit score is, the lower your premiums may be.


  • Bundle Policies: Insurance providers often offer discounts for bundling insurance products such as home, auto, boat, and RV insurance. Typically, the more policies you bundle together, the higher the discount. Consider this when you are paying for multiple insurance products.

Factors That Impact Your Auto Insurance Rates

Insurance companies look at many factors when determining your auto insurance rates. Be sure to browse the following section to learn more about the determination process.
  1. Where You Live: If you live in a densely populated area, you are more likely to get in a car accident, meaning you will have to pay high auto insurance rates. Residents of Raeford, Hope Mills, and Red Springs will often see lower rates than those from Raleigh. 
  2. Gender & Age: Your age and gender are often important factors. For instance, it's been determined that young men require higher rates than young women. That being said, older women have higher rates than older men.
  3. Marital Status: Did you know that married individuals tend to be safer drivers than those who are single? Married couples are often granted low auto insurance rates.
  4. Vehicle Size: Large vehicles tend to be a bit safer for drivers, which may ultimately lower your auto insurance rates.
  5. Driving History: Your driving history is another major factor when determining your auto insurance rates. If you have been in many accidents and/or received lots of traffic tickets, you can expect to see higher rates. 

Contact Our Auto Insurance Experts

Depending on the policy you choose, auto insurance can cover everything from auto collisions and repairs to theft, vandalism, fires, glass damage, flooding, and more. Mid-Atlantic Insurance Services will help you choose the best premium for your driving needs based on your needs and the factors mentioned above. If you are ready to make the change and compare rates of top auto insurance providers contact us today! We are proud to provide auto insurance plans to those throughout Raeford, Red Springs, Hope Mills, NC and the surrounding areas.
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