Who Has the Cheapest Car Insurance Quotes for Nurses in North Carolina?

When shopping for car insurance for health professionals, one of the many components that helps car insurance companies calculate insurance cost is the neighborhood you call home in North Carolina. Areas that are more densely populated like Fayetteville, Charlotte, and Raleigh tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The information below illustrates the higher priced cities in North Carolina for nurses in which to purchase auto insurance.

Rate information is comparative as specific North Carolina zip code can affect price quotes noticeably.

Deciding which companies offer the cheapest car insurance rates for nurses will require a little more sweat than just getting one or two price quotes.

Each auto insurer uses their own formula for determining rates in each state, so we need to take a look at the lowest cost car insurance companies in North Carolina. It’s important to know that North Carolina car insurance rates are determined by lots of factors that control the price you have to pay. Simply turning a year older, marrying your spouse, or getting a DUI can produce rate changes resulting in some companies being cheaper than competitors.

Cheapest Insurance Rates for Health Occupations

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Progressive quotes some of the most affordable car insurance rates in North Carolina at around $651 per year. Utica National, Liberty Mutual, NC Farm Bureau, and Titan also rank well as some of the best North Carolina car insurance companies.

In this example, if you are a customer of NC Farm Bureau and switched to Utica National, you could see savings of around $54. North Carolina drivers with Titan may save as much as $82 a year, and GEICO insureds might cut rates by $87 a year.

To find the cheapest auto insurance for nurses in North Carolina for your vehicle, click here to begin a quote or visit any of the low-priced companies below.

Be aware that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a price discount for nurses. So the company that has the cheapest price for you may not even be shown in the list of companies shown earlier. That helps illustrate why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

The type of vehicle that is being insured is probably the largest consideration when comparing quotes for cheap car insurance for nurses. Vehicles with reasonable performance levels, a plethora of safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models.

The data below outlines insurance rates for a selection of the most economical vehicles to insure in North Carolina.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in North Carolina location which can affect coverage rates greatly.

Looking at the rates, models like the Ford Escape, Jeep Wrangler, and Chevrolet Silverado are likely to be a few of the less-costly vehicles to insure for health professionals.

The diagram below highlights how deductible selection can change yearly insurance costs when trying to find cheap insurance for nurses. The premiums assume a married female driver, full coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could reduce rates by $266 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $400 by using a $1,000 deductible. Younger drivers, like the age 20 example, could lower their rates as much as $568 each year by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it is important to have plenty of money set aside to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Liability-only versus full coverage

Finding the cheapest auto insurance for nurses in North Carolina is the goal of the majority of people, and one of the quickest ways to reduce the cost of insurance is to not insure for full coverage. The chart below shows the comparison of insurance rates with full coverage compared to only the North Carolina minimum liability coverage. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no other discounts are factored in.

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If all age groups are averaged, comp and collision coverage costs $1,755 per year more than buying just liability insurance. At some point, about every driver wonders if paying for full coverage is a waste of money. There is no set rule to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some cases where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

How to find economical auto insurance for nurses

Here are a few thrifty suggestions that can help North Carolina drivers quote the cheapest auto insurance.

• Vehicles with good safety ratings are usually cheaper to insure
• Raise deductibles to save money
• Having at-fault accidents will increase rates
• Better credit scores save money
• Older vehicles may not need full coverage
• Serious violations like DUI or reckless driving can increase rates dramatically
• Shop around for lower rates once a year

The last tip in the list is especially necessary, as we stressed in this piece. Rates adjust frequently, so drivers shouldn’t hesitate to switch carriers if a cheaper price is available.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that inflexibility results in costing you a small fortune year after year. It only takes a couple minutes to compare prices and find cheaper insurance for nurses.

Who has the cheapest insurance quotes for health professionals?

You have many ways to find lower-cost car insurance in North Carolina, but the most prevalent ways are through an exclusive agency like Liberty Mutual or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive or Geico. Each way has the same basic steps, but buyers need to know the differences in how they provide price quotes.

Independent agents have contracts with many companies and can get rate quotes from each one. Independent agents are not required to write business for one company and can give you more rates, which can help you get the best chance of finding a lower price. If they quote lower rates, your policy can be easily switched to a different company and you won’t have to switch agencies.

Exclusive agencies are restricted to one insurance company like Farmers Insurance or State Farm agents. These agents are not able to provide prices from multiple companies, so they have no alternatives for high prices.

The last way is buying direct, which means you do not use a local agent and instead buy from a direct company like Esurance or Geico. This car insurance option may be the best choice drivers who do not need advice for risk management and have knowledge of what specific coverages and deductibles they need.

So what is the best way to buy the cheapest auto insurance for nurses in North Carolina? We’d like to tell you buying from a direct company saves money because there is no agent involved, but that generally is not the case. We could also say that buying car insurance from an independent agent guarantees the cheapest rates since they have more companies to choose from, but again, that’s not accurate. And sometimes, the exclusive agents have really good rates that other companies cannot beat.

Because of the variability of car insurance rates, the one way to ensure the lowest rates is to do a thorough rate comparison. If you want to save money, get price quotes all three ways to have a good selection of rates to choose from. For a list of companies with cheap rates in North Carolina, click here to view.