The vehicle model requiring insurance is probably the largest consideration that determines the availability of cheaper car insurance for 4×4 vehicles. Vehicles with higher performance, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more modest models.
The information below features car insurance prices for a number of the more affordable automobiles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$928|
|Ford Escape Limited 2WD||$950|
|Honda CR-V EX-L 4WD||$1,078|
|Chevrolet Impala LS||$1,086|
|Toyota Corolla LE||$1,161|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,181|
|Kia Optima LX||$1,189|
|Chevrolet Equinox LTZ AWD||$1,181|
|Ford Focus S 4-Dr Sedan||$1,183|
|Ford Explorer XLT 4WD||$1,188|
|Dodge Grand Caravan Hero||$1,207|
|Toyota RAV4 Limited 4WD||$1,241|
|Volkswagen Jetta S 4-Dr Sedan||$1,246|
|Chevrolet Malibu Hybrid||$1,241|
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise rates considerably.
Based upon these rates, models like the Hyundai Elantra, Ford Escape, and Honda CR-V will be a few of the less-costly vehicles to insure for off-road vehicles.
For off-road vehicles, one of the more important considerations that are looked at to help calculate the price you pay for insurance is where you call home. More populated areas tend to have more expensive car insurance rates, whereas more rural areas get the luxury of paying less.
The table below rates the most expensive areas in North Carolina for 4×4 vehicles to buy auto insurance in. Raleigh shows up at #7 with an annual cost of $767 for car insurance, which is around $64 monthly.
|Rank||City||Average Per Year|
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Rate information is estimated as the specific zip code location can decrease or increase price quotes significantly.
The diagram below illustrates how choosing a deductible can impact yearly insurance costs when quoting cheap insurance for 4×4 vehicles. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $230 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $348 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could save up to $670 or even more by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it is essential to have plenty of money set aside to be able to cover the extra out-of-pocket expense that comes with higher deductibles.
Choosing a high-quality insurer can be difficult considering how many companies provide coverage in North Carolina. The company ratings listed below can help you pick which auto insurance companies you want to consider putting your business with. These rankings are for large nationwide companies, so companies that have a smaller presence are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
What aren’t you shopping around?
North Carolina car insurance rates are based on many factors which can significantly increase or decrease the price you pay. Improving your credit score, adding a teenager to your policy, or having an accident can produce rate changes resulting in some rates now being more affordable than competitors. Not only may your risk profile change, but companies amend pricing as often as every three months to reflect underwriting profits or losses. Unexpectedly high claims can cause rate hikes, while better underwriting can cause lower-cost Raleigh car insurance rates.
To illustrate this example, the data below shows which companies have the cheapest car insurance in Raleigh, NC for a 40-year-old male driver with no accidents or violations, and great credit. When comparing rates based on his current risk factors, Utica National offers the cheapest car insurance rates in Raleigh at $691 per year. This is $181 less than the average policy premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and Penn National are also included in the most affordable Raleigh, NC auto insurance companies.
The next chart shows rates after we give the driver from the first example a chargeable claim, a lower credit score, and a traffic citation. Since every insurance provider has their own unique process for filing rates in each state, analyzing rate quotes could now result in a different set of the cheapest Raleigh car insurance companies as shown below.
State Farm now has the cheapest price in Raleigh with Titan, Auto-Owners, Progressive, and Allied now being in the top five. This illustrates why it is important to spend some time comparing rates to find the cheapest auto insurance rates for 4×4 vehicles. Prices can be altered by many different factors and change frequently, so the most affordable company six months ago may now be wasting a lot of money.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when shopping for cheaper insurance for off-road vehicles, the insurance agencies below are willing to help you decide which auto insurance policy would work best for you. To locate a Raleigh insurance agent close to where you live, click the button link following the list or click here to compare price quotes now.
Nationwide Insurance: Christopher D Edwards Agency
3901 Capital Blvd Ste 121 – Raleigh, NC 27604 – (919) 872-0130
Myron Jarman – State Farm Insurance Agent
2869 Jones Franklin Rd – Raleigh, NC 27606 – (919) 859-5261
J. Miller Lawson Agency – Nationwide Insurance
9360 Falls of Neuse Rd #201 – Raleigh, NC 27615 – (919) 676-5695
Nationwide Insurance: Carter Glass Insurance Agency
5901 Falls of Neuse Rd – Raleigh, NC 27609 – (919) 872-1778
How to find economical car insurance for 4×4 vehicles
The list below details some thrifty solutions that can help drivers quote cheaper coverage.
- Drop full coverage on older vehicles
- At-fault accidents can raise rates significantly
- Discounts for being claim-free can be substantial
- Raise physical damage deductibles
- Violations and traffic tickets increase rates
- Keep rates low by comparing prices once a year
The last item on the list is especially necessary, as was noted in the prior article. Auto insurance rates go up and down frequently, so don’t be hesitant to switch companies if a lower price can be found.
Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying lots of money. Now is a great time to shop around and find cheaper insurance for 4×4 vehicles in Raleigh.