The words “bargain” and “auto insurance” really don’t belong together, specifically when shopping around for the best car insurance rates for teachers. In an attempt to save some money, let’s go over some things that have an impact on insurance rates, and figure out some ideas to shave a little off your next policy.
The type of vehicle requiring coverage is probably the largest consideration when comparing quotes for economical coverage for teachers. Vehicles with lots of speed or power, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more economical and safe models.
The next table outlines coverage premiums for a number of the most affordable vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XLT Crew Cab 2WD | $1,245 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,250 |
| Honda CR-V EX-L 4WD | $1,300 |
| Toyota Tacoma Double Cab 4WD | $1,312 |
| Chevrolet Malibu LS | $1,321 |
| Toyota RAV4 Limited 4WD | $1,312 |
| Dodge Grand Caravan SXT | $1,338 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,381 |
| Ford Escape Limited 2WD | $1,393 |
| Toyota Prius | $1,405 |
| GMC Sierra SLE Crew Cab 2WD | $1,408 |
| Chevrolet Equinox LTZ AWD | $1,413 |
| Ford Explorer XLT AWD | $1,427 |
| Dodge Ram Quad Cab SLT 2WD | $1,431 |
| Honda Accord LX-S 2-Dr Coupe | $1,475 |
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can raise or lower insurance rates substantially.
By looking at the data, you can assume that makes and models like the Ford F-150, Jeep Wrangler, Honda CR-V, and Toyota Tacoma are most likely to be a few of the cheaper vehicles to insure for teachers and educators.
For teachers and educators, one of the big things that determine the price you pay for insurance is the neighborhood you call home in Durham. Areas with increased crime or more people are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The next table lists the most costly cities in North Carolina for teachers to buy auto insurance in. Durham is listed at #4 with a yearly premium of $797 for coverage, which is about $66 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Fayetteville | $896 |
| 2 | Jacksonville | $873 |
| 3 | Charlotte | $816 |
| 4 | Durham | $797 |
| 5 | Gastonia | $787 |
| 6 | Wilmington | $781 |
| 7 | Greensboro | $779 |
| 8 | Greenville | $760 |
| 9 | Raleigh | $760 |
| 10 | Wilson | $754 |
| 11 | Indian Trail | $753 |
| 12 | Rocky Mount | $748 |
| 13 | Goldsboro | $743 |
| 14 | Huntersville | $742 |
| 15 | Cary | $742 |
| 16 | Apex | $739 |
| 17 | Chapel Hill | $724 |
| 18 | High Point | $723 |
| 19 | Hickory | $711 |
| 20 | Burlington | $699 |
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Rates are comparative as specific Durham garaging address can raise or lower premium rates significantly.
Insuring your vehicle with the right auto insurance provider can be a challenge considering how many choices there are in North Carolina. The company information displayed below can help you decide which auto insurance companies to look at purchasing a policy from.
These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not included in these rankings. To compare prices from these and other companies in North Carolina, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
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Data Source: Insure.com Best Car Insurance Companies
The example below demonstrates how choosing different deductibles can raise or lower yearly insurance costs when searching for cheap insurance for teachers. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could lower their policy premium by $274 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $416 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could potentially save as much as $700 every year just by choosing higher deductibles. When raising deductibles, it is necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to get discounts on Durham auto insurance rates
Insurance companies that offer cheap quotes for teachers may additionally offer discounts that can lower rates by 30% or more if you qualify for them. The best insurance companies and a summarized list of policyholder discounts include:
- State Farm may include discounts for safe vehicle, good student, good driver, Steer Clear safe driver discount, and multiple policy.
- American Family discounts include multi-vehicle, Steer into Savings, good student, air bags, bundled insurance, and good driver.
- GEICO policyholders can earn discounts including good student, emergency military deployment, membership and employees, military active duty, seat belt use, and air bags.
- 21st Century includes discounts for driver training, air bags, defensive driver, student driver, anti-lock brakes, and automatic seat belts.
- Progressive offers premium reductions for good student, homeowner, multi-policy, online signing, and online quote discount.
The chart below compares auto insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, multiple policy, homeowner, accident-free, vehicle safety, and safe-driver discounts applied. In this example, theaverage yearly reduction on insurance for teachers is 27% or $372.
The insurance agencies below are willing to help you determine which auto insurance policy would work best for you, as many consumers aren’t sure which coverage to buy and prefer to have professional advice when trying to find lower insurance rates for teachers. It’s not always simple to find the cheapest auto insurance company, so agents can provide you comfort knowing your policy gives you enough protection.
To find an agent close to you, click the button link following the list or click here to compare rates now.
- Allstate Insurance Agent: Cody Holliday
4324 S Alston Ave – Durham, NC 27713 – (919) 249-7291 - Leslie Robinson State Farm Insurance
105 W North Carolina 54 #263 – Durham, NC 27713 – (919) 206-5096 - Allstate Insurance Agent: Michelle Riley
6015 Fayetteville Rd Ste 115 – Durham, NC 27713 – (919) 544-2155 - Mike Embree Insurance Agency
3813 University Dr – Durham, NC 27707 – (919) 489-7336 - Allstate Insurance Agent: Ella Latreille
2005 N Pointe Dr Ste 3 – Durham, NC 27705 – (919) 479-2077