What can North Carolina drivers do to find cheaper car insurance?

Three things: shop, shop, and then shop some more. Get quotes from direct writers/captive agents (i.e., Farm Bureau, State Farm, etc.) and from several independent agents who represent multiple carriers. Let the agent prove to you why you should do business with them. Get live quotes online and get quotes on the phone. Do your due diligence in terms of research to make sure you are getting a good product from a reputable company.