Who Has Cheap Auto Insurance Quotes for Teachers in Durham?

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.

Cheapest Vehicles to Insure in Durham, NC
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.

How much does auto insurance cost in Durham?
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.

Top Ten Insurance Companies for Teachers in North Carolina
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

Save on insurance for teachers and educators in DurhamInsurance 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:

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.

More insurance agents in Durham, NC