For drivers with handicaps, one of the big factors that are looked at to determine the annual cost of car insurance is where you normally keep your vehicle in Raleigh. Cities with larger populations will most likely pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The next table sorts the priciest cities in North Carolina for handicapped drivers to buy auto insurance in. Raleigh shows up at #10 with a yearly premium of $760 for the average policy, which is about $63 each month.
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Premium amounts are estimated as the specific area where the vehicle is garaged can affect prices greatly.
The vehicle you are seeking coverage for is one of the biggest factors that determines if you can find the most affordable auto insurance for handicapped drivers. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost more to insure than safer models.
The table below outlines coverage costs for a number of the most economical vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,036|
|Honda Odyssey LX||$1,140|
|Ford Escape Limited 2WD||$1,160|
|Hyundai Elantra GLS Touring Station Wagon||$1,169|
|Honda CR-V EX 2WD||$1,176|
|Dodge Grand Caravan SXT||$1,252|
|Chevrolet Malibu LT||$1,259|
|GMC Sierra SLE Extended Cab 4WD||$1,316|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,326|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,335|
|Ford F-350 Super Cab Cabela Package 2WD||$1,339|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,347|
|Toyota RAV4 Limited 4WD||$1,341|
|Jeep Grand Cherokee Laredo 4WD||$1,346|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in your specific Raleigh, NC location which can affect prices considerably.
By looking at the data, you can conclude that cars like the Honda Accord, Honda Odyssey, and Toyota Prius will be the most affordable vehicles to insure for drivers with handicaps.
Finding dependable, affordable insurance is tough enough, and determining which company quotes the most affordable car insurance rates for handicapped drivers will require even more rate comparisons. Every insurance provider uses a different method to determine premium rates, so let’s take a look at the most budget-friendly car insurance companies in Raleigh, NC.
We do need to point out that North Carolina car insurance rates are impacted by many factors that control the policy premium. This is why it is so important to compare many different companies to get the cheapest insurance quotes for handicapped drivers. Car insurance prices are calculated by many different factors and change dramatically, so the cheapest option two years ago may now be one of the higher cost companies.
Best Auto Insurance Prices in North Carolina
Progressive may have some of the cheapest car insurance rates in Raleigh at around $632 each year. This is $240 less than the average price paid by North Carolina drivers of $872. Utica National, Penn National, Liberty Mutual, and NC Farm Bureau would also be considered some of the more affordable Raleigh, NC insurance companies.
As the example above demonstrates, if you are a policyholder with Liberty Mutual and switched to Utica National, you might achieve a yearly savings of about $78. Customers with NC Farm Bureau may save as much as $87 a year, and Titan policyholders might lower prices by up to $94 a year.
Be aware that those policy rates are averages across all drivers and vehicles and are not factoring in an exact vehicle garaging location for handicapped drivers. So the auto insurance company that has the cheapest price for you may not even be in the top 20 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Drive responsibly or pay higher rates
The obvious way to enjoy the most affordable car insurance rates in North Carolina for drivers with handicaps is to be a cautious driver and avoid accidents and keep your driving record clean. The illustration below illustrates how speeding tickets and accident claims can increase premium costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Raleigh per year with no accidents and a clean driving record is $1,125. Receive two speeding tickets and the average cost increases to $1,549, an increase of $424 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for handicapped drivers jumps again to an average of $3,113. That’s an increase of $1,987, or $166 per month, just for a couple of infractions!
Finding a highly-rated car insurance company is hard considering how many companies there are in North Carolina. The ranking information listed below could help you analyze which auto insurers to look at comparing rates from.
The ratings below are for companies with a nationwide focus, so companies that only write business in North Carolina or surrounding areas are not factored into this list. If you wish to compare prices from these top insurers and more, click here.
Top 10 Large Car Insurance Companies Overall in Raleigh
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Top 10 Large Car Insurance Companies in Raleigh Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
The diagram below shows how choosing a deductible can impact insurance rates when quoting cheap insurance for handicapped drivers. Data assumes a single male driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $244 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $368 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could drop their prices $808 each year just by choosing higher deductibles when buying full coverage.
When choosing a higher deductible, it is a good idea to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
The agents below can probably help you determine which coverage meets your needs best, since many people would rather get help from a professional when trying to find the best insurance rates for drivers with handicaps. It can be time-consuming to find the best policy yourself, so getting advice from a licensed agent can give you peace of mind knowing your policy gives you adequate protection.
To locate a Raleigh car insurance agency close to where you live, click the button after the list.
Nationwide Insurance: Christopher D Edwards Agency
3901 Capital Blvd Ste 121 – Raleigh, NC 27604 – (919) 872-0130
Gina Tickle – State Farm Insurance Agent
8212 Creedmoor Rd #101 – Raleigh, NC 27613 – (919) 847-9774
Karen Boone – State Farm Insurance Agent
5603 Creedmoor Rd – Raleigh, NC 27612 – (919) 782-6666
Young Insurance Associates, Inc
2609 Atlantic Ave #107 – Raleigh, NC 27604 – (919) 322-4186
How to find cheaper insurance for handicapped drivers
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help drivers locate lower-cost coverage.
- Buying car and homeowners insurance together can save money
- If possible, do not file small claims
- Increase your deductibles
- Clean up your credit
- Having at-fault accidents will increase rates
- Do not get traffic citations
- Look for cheaper rates once a year by shopping around
That final tip is extremely vital, as was discussed in this piece. Auto insurance rates can be changed at any time, so don’t hesitate to change insurance companies if you can find a cheaper rate. We understand brand loyalty, but we do not recommend it if your bullheadedness ends up costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper insurance for handicapped drivers in Raleigh.