Anamarie Waite, Car Insurance Writer
You can get car insurance discounts in North Carolina based on how you drive, the car you own, and your relationship with your insurance company. In North Carolina, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers.
Almost anyone can get a discount on car insurance in North Carolina because most insurance companies make it easy to qualify for a variety of savings. North Carolina insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.
Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most North Carolina drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to North Carolina residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.
Car Insurance Discounts in North Carolina
|Discount||How It Works||Potential Savings|
|Customer Loyalty||Insurance companies reward long-term customers with lower rates.||Up to 10%|
|Good Driver||Drivers with a clean record and no claims history save on insurance.||10% to 30%|
|Driver Education||Older drivers who refresh their skills with an approved defensive driving course get reduced rates.||5% to 10%|
|Continuously Insured||Drivers who have been insured for 6 months or more save on insurance.||5% to 25%|
|Billing and Payments||If you pay for your policy in full, set up automatic payments, pay online, or go paperless, you can save.||2% to 25%|
|Policy Bundling||Insure multiple vehicles or get different policy types (like home and auto) from the same company can earn a discount.||1% to 12%|
|Good Student||Young drivers with a “B” average or higher are eligible for discounts.||5% to 20%|
|Usage-Based||Some insurance companies offer discounts for drivers who are willing to have their driving habits monitored by an electronic device attached to your car and/or your smartphone.||1% to 30%|
|Safety Features||Cars featuring multiple airbags, anti-lock brakes, daytime running lights, and other safety add-ons can save on car insurance.||2% to 30%|
|Anti-Theft Systems||Car alarms, LoJack, steering wheel locks, or other anti-theft features can make comprehensive coverage more affordable.||5% to 25%|
Remember, discounts vary among different insurance companies, so it’s always best to contact the provider directly to determine which discounts you qualify for.
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