Who Has Affordable Car Insurance Rates for State Employees in Greensboro?

Shopping around for reasonably-priced car insurance is tough enough, and figuring out which company quotes the cheapest car insurance rates for state employees will require even more work.

Every insurance company uses a little different formula for determining rates, so we’ll go over the car insurance companies with the overall cheapest rates in Greensboro, NC. Keep in mind that Greensboro car insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. Simply having a birthday, moving across town, or getting a DUI can cause premium changes that can cause some rates to be more expensive than others.

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Progressive generally has some of the most affordable car insurance rates in Greensboro at around $632 a year. Utica National, Liberty Mutual, GEICO, and NC Farm Bureau also are some of the lowest-priced Greensboro, NC auto insurance companies.

As the rates illustrate above, if you currently buy coverage from GEICO and switched to Utica National, you might achieve an annual premium reduction of in the vicinity of $65. North Carolina drivers with NC Farm Bureau might save as much as $75 a year, and Penn National customers might cut rates by $84 a year.

Remember that these prices are averaged across all drivers and vehicles in North Carolina and and are not figured with a specific vehicle garaging location for state employees. So the auto insurance company that can offer you the best rate may not even be in the list above. That is why you need to quote rates from many companies using your own driver and vehicle profiles.

The vehicle model needing coverage is a large factor when comparing quotes for the best cheap insurance for state employees. Vehicles with high performance, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models.

The list below estimates insurance premiums for some of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Greensboro, NC
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,165
Honda CR-V EX-L 4WD $1,235
Toyota RAV4 Sport 4WD $1,263
Chevrolet Equinox LS 2WD $1,272
Chevrolet Malibu LS $1,263
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,298
Honda Accord EX-L 4-Dr Sedan $1,300
Honda Civic LX-S 4-Dr Sedan $1,307
Ford F-150 STX Super Cab 4WD $1,330
Toyota Tacoma X-Runner 2WD $1,338
Toyota Prius $1,330
Toyota Corolla S $1,336
Ford Fusion SE 4-Dr Sedan $1,353
GMC Sierra SLE Extended Cab 4WD $1,358
Ford Explorer XLT AWD $1,356
Chevrolet Silverado LS Extended Cab 4WD $1,379
Ford Edge SE AWD $1,388
Jeep Grand Cherokee Laredo 2WD $1,421
Kia Optima EX $1,442
Toyota Camry Hybrid $1,449
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in specific location which can revise coverage rates greatly.

Looking at the numbers, you can assume that cars like the Ford Escape, Honda CR-V, Toyota RAV4, Chevrolet Equinox, and Chevrolet Malibu are likely to be some of the most budget-friendly vehicles to insure for state workers.

Best car insurance in North Carolina

Finding a highly-rated insurance provider is hard considering how many companies are available to choose from in Greensboro. The company ratings in the next section may help you choose which coverage providers to look at when trying find the best insurance for state employees. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in North Carolina are not factored into these rankings.

Top 10 Major Auto Insurance Providers in Greensboro Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurance Providers in Greensboro Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

The information below illustrates how choosing a deductible can change insurance prices when trying to find cheap insurance for state employees. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

A 40-year-old driver could pocket $244 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $368 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could possibly save up to $808 every year by choosing larger deductibles on their policy. When choosing a higher deductible, it is a good idea to have enough in a savings account to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Full coverage versus liability only rates

Reducing premiums for car insurance should be important to the majority of vehicle owners, and a great way to pay less for insurance for state employees is to buy only liability coverage. The diagram below illustrates the difference between auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

As an average, physical damage coverage costs an extra $1,952 per year over liability only. That is a large expense which might make you wonder if buying full coverage is worth the money. There isn’t a steadfast formula for eliminating full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

How to find economical car insurance for state employees

The list below details some of the better money-saving solutions that can help drivers buy lower-cost car insurance.

The last tip in the list is extremely crucial, as we noted in the prior article. Insurance rates in Greensboro can change in a short period of time, so don’t be hesitant to switch companies if a cheaper price is available.

Staying with the same car insurance company is fine, but it’s not a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. In less than five minutes you could compare prices to find cheaper car insurance for state employees.

If you prefer to have the advice of a professional agent when shopping for the best coverage for state employees, the agents listed below are willing to help you make a decision which coverages you need.

To find an agent closest to you, click the link after the list.

Reese Insurance
202 N. Van Buren Road Suite C, Eden, NC 27288Greensboro, NC 27407(336) 292-1963

Jim Goard – State Farm Insurance Agent
407 Parkway Ave cGreensboro, NC 27401(336) 274-1918

Nationwide Insurance: John A Peterson Jr
1451 S Elm-Eugene St #2119Greensboro, NC 27406(336) 303-8992

Nationwide Insurance: Joe Fowler
408 Wendover Ave EGreensboro, NC 27401(336) 299-7447

Necota Smith Jr – State Farm Insurance Agent
2607 Randleman Rd Ste BGreensboro, NC 27406(336) 274-1983

View map of Greensboro, NC insurance agents