Overall Cincinnati Insurance offers the best rates in North Carolina at the moment. I have both my car and renters insurance through them and they really gave me the best bang for my buck. I did not just want basic car insurance, I did want some extras and they were able to give me a reasonable rate even though I am a relatively young driver. I purchased my insurance through a local agency which was very quick and easy to do. Customer Service I have only dealt with Cincinnati's customer service on one occasion when I had to add my apartment number to my policy. They were very friendly and quick to fix the problem. Also I did not have to wait on hold for a long time which was great! Available Plans Cincinnati has a lot of different plans available! They offer a wide range of insurance coverage from auto, home, renters, and even commercial liability. Their prices are also very reasonable and honestly the best you can get in North Carolina right now.