You have most likely watched the catchy commercials from insurers like Nationwide and State Farm guaranteeing huge savings, so drivers should just choose one randomly, right?
It’s just not that simple, as there are a ton of unknown aspects such as if you have a spouse, the vehicle you drive, the likelihood of vehicle theft where you live, and if you have ever had a gap in coverage. The content below covers the things that cause high insurance rates and also should give you a good beginning to your quest for cheaper car insurance.
Figuring out which company quotes the lowest-priced car insurance rates for government employees takes more work than just comparing a company or two. Every car insurance company uses their own formula for filing rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Raleigh, NC.
It’s important that you understand Raleigh car insurance rates are influenced by many factors that control the policy premium. Turning one year older, having a claim, or having an at-fault accident can trigger price changes that can cause some rates to be cheaper than others.
Compare Cheap Insurance Quotes in North Carolina
|Rank||Company||Cost Per Year|
|4||NC Farm Bureau||$737|
|Compare Rates Now Go|
Utica National quotes some of the best car insurance rates in Raleigh at around $636 each year. This is $236 less than the average rate paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and Titan would also make the list of some of the best Raleigh, NC car insurance companies.
As the example above demonstrates, if you are a customer of Titan and switched to Progressive, you could earn an annual premium reduction of roughly $98. Policyholders with Penn National could save as much as $100 a year, and GEICO insureds might lower prices by $111 a year.
To discover how much you can save, click here to start a quote or quote prices from the following companies.
These policy prices are averaged for all drivers and vehicles in North Carolina and are not factoring in a specific location for government employees. So the auto insurance company that fits you best may not even be in the top 20 companies in the list above. That is why you need to get quotes using your own driver data and vehicle information.
For state and federal workers, one of the big criteria that determine the amount you pay for auto insurance is where you choose to live in Raleigh. Larger areas tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The following table shows the most expensive cities in North Carolina for government employees to buy auto insurance in. Raleigh is listed at #8 with an annual cost of $760 for the average insurance policy, which is about $63 monthly.
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Rate quotes are comparative as vehicle location can decrease or increase coverage rates noticeably.
The example below demonstrates how choosing different deductibles can impact insurance premiums when quoting cheap insurance for government employees. The data is based on a single male driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could pocket $310 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $466 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could shave as much as $924 each year by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Discounts on Raleigh auto insurance rates
Insurers that provide coverage for government employees could also offer discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. Larger car insurance companies and some of their more popular discounts can be found below.
- Travelers offers discounts for new car, IntelliDrive, multi-policy, hybrid/electric vehicle, driver training, and payment discounts.
- 21st Century may offer discounts for driver training, defensive driver, theft prevention, student driver, good student, homeowners, and early bird.
- State Farm includes discounts for safe vehicle, driver’s education, multiple policy, passive restraint, anti-theft, and good driver.
- GEICO may include discounts for five-year accident-free, seat belt use, anti-theft, air bags, driver training, and daytime running lights.
- SAFECO has discounts for teen safe driver, safe driver, homeowner, anti-lock brakes, accident prevention training, multi-car, and teen safety rewards.
- AAA policyholders can earn discounts including anti-theft, good driver, good student, multi-car, pay-in-full, AAA membership discount, and education and occupation.
The diagram below shows the comparison of yearly insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no claims, a clean driving record, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, vehicle safety, marriage, passive restraint, anti-theft, and claim-free discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for government employees is 28% or $290.
Insuring your vehicle with a high-quality insurance company can be rather challenging considering how many different companies insure vehicles in Raleigh. The company information shown next could help you pick which coverage providers you want to consider purchasing a policy from.
These rankings are only comprised of the largest companies in the United States, so companies with more of a regional focus will not be included in these rankings. To get rate quotes from the insurers below and more, just click here.
Top 10 Large Auto Insurance Providers in Raleigh Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Tips for buying budget-friendly car insurance for government employees
It’s not impossible to find cheaper rates, and here are many penny-pinching ideas that can help drivers get low-cost coverage.
- If possible, pay for small claims out-of-pocket
- Drive safe vehicles
- Save money by only buying liability coverage for older vehicles
- Save money by bundling your home and auto policies
- Be a cautious driver
- Avoid accidents and claims
- Shop around for lower rates once a year
That last piece of advice is remarkably crucial, as was emphasized in this write-up. Prices charged by companies fluctuate constantly, so don’t be hesitant to buy a policy from a new company if you find a cheaper price. Having a favorite company is great, but it isn’t a good idea if it’s costing you several hundred dollars every year. It only take a few minutes to compare prices to find cheaper auto insurance for government employees in Raleigh.
If you wish to get some professional advice when comparing insurance rates for government employees, the agents below are willing to provide answers to your questions and help you determine which insurance coverage will be best for you. To locate an agency close to you, click the button after the list.
Gina Tickle – State Farm Insurance Agent
8212 Creedmoor Rd #101 – Raleigh, NC 27613 – (919) 847-9774
Hix Insurance Center
2010 New Bern Ave – Raleigh, NC 27610 – (919) 255-6210
Suzanne Wilson – State Farm Insurance Agent
8961 Harvest Oaks Dr #205 – Raleigh, NC 27615 – (919) 870-1413
J. Miller Lawson Agency – Nationwide Insurance
9360 Falls of Neuse Rd #201 – Raleigh, NC 27615 – (919) 676-5695