Find Affordable Volvo XC60 Insurance in Durham

Insurance for Volvo XC60Do you need a fast way to compare more affordable Volvo XC60 insurance in Durham? There isn’t anyone who looks forward to buying car insurance, particularly when they are paying too much.

It’s safe to assume that insurance companies don’t want their customers to go rate shopping. People who shop around will presumably switch companies because there is a significant possibility of finding a cheaper policy. A study discovered that people who shopped around every year saved $850 each year compared to people who don’t regularly compare prices.

If saving the most money on insurance is your objective, then learning about how to find and compare auto insurance can make it easier to shop your coverage around. You have multiple insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to locate the cheapest rates for Volvo XC60 insurance in Durham.

Finding the cheapest coverage in Durham is quite easy if you know the best way to do it. If you currently have a car insurance policy, you stand a good chance to be able to find the best rates using these methods. You just need to understand the most efficient way to compare price quotes instantly.

The car insurance companies shown below can provide quotes in Durham, NC. If you want to find the best car insurance in NC, we suggest you click on several of them to find the lowest car insurance rates.

Affordable Durham car insurance rates with discounts

Car insurance companies do not advertise all available discounts very well, so below is a list both the well known and also the more inconspicuous discounts that may be available.Car insurance discounts

Discounts lower rates, but most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts should help reduce the cost of coverage.

The chart below shows the difference between Volvo XC60 insurance prices with and without discounts applied. The premium estimates are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.

Companies and some of the premium reductions they offer are:

Double check with every prospective company which discounts you qualify for. Some of the discounts discussed earlier might not apply in Durham.

Analysis of coverages

The data table shown next covers estimates of insurance prices for Volvo XC60 models. Having knowledge of how insurance prices are calculated can help you make decisions on the best policy to buy.

Volvo XC60 Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $102 $210 $240 $14 $72 $638 $53
XC60 3.2 AWD $116 $210 $240 $14 $72 $652 $54
XC60 T6 AWD AWD $116 $248 $240 $14 $72 $690 $58
XC60 T6-R AWD AWD $128 $248 $240 $14 $72 $702 $59
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can influence coverage prices substantially.

Durham car insurance companies

Finding a good quality car insurance company can be a challenge considering how many companies there are to choose from in North Carolina. The ranking data shown next can help you decide which providers to look at when shopping your coverage around.

Top 10 Durham Car Insurance Companies 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 Durham Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Why Smart Buyers Pay Less for Volvo XC60 Insurance

Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, but other criteria are more transparent such as your marital status or how financially stable you are. A large part of saving on insurance is knowing some of the things that help calculate the level of your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that may reward you with big savings.

Listed below are some of the factors insurance companies consider when setting premiums.