How Much Does Car Insurance Cost for Handicapped Drivers in North Carolina?

One of the key considerations that help determine the price you pay for insurance is your address in North Carolina. Areas that are more densely populated or have higher claim rates like Fayetteville, Charlotte, and Wilmington are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The next table rates the most expensive places in North Carolina for handicapped drivers in which to purchase auto insurance.

Information shown are estimated as specific North Carolina garaging address can increase or decrease rates significantly.

Buying low-cost auto insurance is easier said than done, and finding out which company offers the most affordable insurance rates for handicapped drivers involves a little more work.

Each auto insurance company uses their own formula to establish rates, so let’s begin by taking a look at the insurance companies with the overall cheapest rates in North Carolina.

Lowest Insurance Price Quotes in North Carolina

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Progressive generally has some of the best car insurance rates in North Carolina at around $632 each year. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National would also make the list of some of the cheapest North Carolina insurance companies.

As shown above, if you are insured with Utica National and switched to Progressive, you could earn yearly savings of in the neighborhood of $23. Customers with Liberty Mutual may save as much as $68 a year, and NC Farm Bureau customers might cut rates by $84 a year.

These premiums are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a price decrease for handicapped drivers. So the company that fits your situation best may not even be featured in the rate chart shown above. That points out the importance of why you need to get quotes using your own specific driver information and vehicle.

The make and model of vehicle you are trying to insure is one of the biggest factors in finding cheap auto insurance for handicapped drivers in North Carolina. Vehicles with limited top-end speed, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The next list ranks auto insurance rates for the most cost-effective vehicles to buy insurance for.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in vehicle garaging location which can decrease or increase premium rates significantly.

Looking at the numbers, you can figure that models like the Honda CR-V, Ford Escape, Chevrolet Silverado, Honda Accord, and Hyundai Elantra will definitely be the less-costly vehicles to insure for drivers with handicaps.

Discounts on cheap auto insurance for handicapped drivers in North Carolina

Car insurance companies that offer cheap quotes for handicapped drivers could also offer price discounts that can lower rates by 35% or more if you meet certain criteria. A few popular companies and some of the premium reductions they offer can be found below.

• Mercury Insurance may offer discounts for anti-theft, ease of repair, good student, professional/association, and low natural disaster claims.
• Farmers Insurance discounts include pay in full, alternative fuel, youthful driver, distant student, switch companies, homeowner, and mature driver.
• Farm Bureau may have discounts that include safe driver, good student, youthful driver, multi-policy, and 55 and retired.
• State Farm offers premium reductions for accident-free, anti-theft, student away at school, safe vehicle, and multiple autos.
• Allstate has savings for early signing, utility vehicle, premier plus, new car, eSmart discount, and premier discount.
• GEICO policyholders can earn discounts including emergency military deployment, anti-lock brakes, anti-theft, good student, multi-vehicle, five-year accident-free, and multi-policy.

The example below illustrates the comparison of insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, defensive driving course, claim-free, marriage, homeowner, and anti-theft discounts applied. When discounts are applied, the the amount saved on insurance for handicapped drivers is 27% or $361.

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Best rates: Allstate, Progressive, Geico, or State Farm

If you want the best car insurance for drivers with handicaps, the four most popular companies are Allstate, Progressive, Geico, and State Farm. The table below illustrates some of the ratings and options that are available for customers.

Who has the cheapest insurance quotes for drivers with handicaps?

There are many different ways to shop for and buy insurance in North Carolina, but the most popular methods are using a captive (or exclusive) agent such as State Farm or Liberty Mutual, an independent agent, or from a direct company like Progressive.

All three ways are similar, but insurance shoppers should know the differences in how they work.

Independent agencies work with multiple companies and can do rate comparisons with each one. These types of agencies are not employed by one specific company and can give you a larger rate selection, which may provide you with a better chance of finding cheaper coverage. If prices rise, your policy can be easily switched to a new company and the insured can keep the same agent.

Exclusive agencies are only able to write business for one company, two examples being State Farm and Auto-Owners agents. Exclusive agents are unable to provide prices from multiple companies, so you will not be able to compare multiple prices.

If you buy direct, you bypass an exlusive or independent agent and instead buy from a direct company like Geico. Buying direct may be a decent choice drivers who do not have complex finances and have a good understanding of the exclusions of a policy.

Out of those three methods, which one works best for finding cheap auto insurance for handicapped drivers in North Carolina? One answer would be buying from a direct car insurance company results in the best prices since there isn’t an agent involved, but unfortunately, that is not the case. It would also be easy to say buying from an independent agent is the best way to go due to more options, but that’s not always true, either. And sometimes, the exclusive agents have extremely competitive rates that cannot be beaten by either independent or direct companies.

Since insurance rates vary so much, really the only way to make sure you’re not overpaying for insurance is to compare, compare, and compare some more. Take some time and get price quotes from independent, exclusive, and direct in order to be able to find the lowest price. For a list of companies with online discounts, click here to view.