How to Save on Ford Fusion Energi Insurance in Durham

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Discount Ford Fusion Energi insuranceIf you want to save money, the best way to get low-cost car insurance rates is to begin comparing prices regularly from insurance carriers who sell auto insurance in Durham.

  1. Try to understand how your policy works and the measures you can control to keep rates down. Many factors that result in higher rates like traffic citations, accidents, and a low credit rating can be rectified by improving your driving habits or financial responsibility. Read the full article for more ideas to find cheap prices and get discounts that may be available to you.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can provide rate quotes from multiple companies.
  3. Compare the quotes to your existing rates and see if you can save money. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important part of this process is to try to use identical deductibles and limits on every price quote and and to get quotes from as many carriers as you can. Doing this provides a level playing field and the best price selection.

It's an obvious assumption that insurance companies don't want you quoting rates from other companies. Drivers who shop around for better prices are highly likely to move their business because there is a high probability of finding coverage at a cheaper rate. A recent study showed that drivers who faithfully checked for cheaper rates saved on average $865 a year as compared to drivers who don't regularly compare prices.

If saving the most money on Ford Fusion Energi insurance is your intention, then learning about how to quote and compare insurance premiums can make it simple to find affordable coverage.

If you have a policy now, you will surely be able to reduce the price you pay using the tips covered below. Finding the cheapest car insurance coverage in Durham can be much easier if you know how to start. Although North Carolina vehicle owners need to have an understanding of how big insurance companies determine how much to charge and use this information to your advantage.

Auto insurance policy discounts for Ford Fusion Energi insurance in Durham

Companies that sell car insurance don't list all available discounts very clearly, so below is a list some of the best known as well as the least known auto insurance savings.

  • Lower Rates for Military - Having a family member in the military could qualify you for better rates.
  • No Accidents - Durham drivers who stay claim-free are rewarded with significantly better rates on Durham car insurance quote when compared with bad drivers.
  • Discounts for Safe Drivers - Drivers who don't get into accidents may save up to 50% more than their less cautious counterparts.
  • College Student Discount - Kids who are attending college and do not take a car to college may qualify for this discount.
  • ABS Braking Discount - Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Smart Student Discounts - This discount could provide a savings of up to 20% or more. This discount can apply until age 25.

Just know that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

To locate insurers who offer auto insurance discounts in North Carolina, click this link.

How to buy Durham Ford Fusion Energi insurance online

Most companies provide coverage price quotes from their websites. Getting online rates for Ford Fusion Energi insurance in Durham is quite easy as you just enter your coverage preferences into the form. Upon sending the form, their rating system obtains information on your driving record and credit history and gives you a price quote. This simplifies rate comparisons, and it is imperative to compare as many rates as possible in order to find the most affordable car insurance rates.

To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you type in the coverages exactly as shown on your declarations page. This guarantees you will have rate comparison quotes based on identical coverages.

The providers in the list below have been selected to offer comparison quotes in North Carolina. If multiple companies are listed, we suggest you compare several of them in order to find the most affordable rates.

How to Lower Your Insurance Costs

Many factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are less apparent like your continuous coverage or your commute time.

  • Expect high rates for teens - Teen drivers in North Carolina have been known to be inattentive when driving and because of this, their insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims, and get fewer tickets.
  • Avoid tickets and save - How you drive impacts your car insurance rates tremendously. Drivers who don't get tickets pay less for auto insurance than their less careful counterparts. Getting just one chargeable violation can boost insurance rates substantially. Drivers who get multiple violations such as DUI or willful reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.
  • Safer cars cost less to insure - Vehicles with high crash test scores cost less to insure. Vehicles built for safety reduce injuries and lower injury rates means lower claim amounts and thus lower rates.
  • Women tend to be lower risk - The statistics show that females take fewer risks when driving. However, this does not mean women are better drivers. They both tend to get into at-fault accidents in similar percentages, but the men have accidents that have higher claims. Not only that, but men also get ticketed for serious violations such as DWI and reckless driving.
  • If you don't need it don't buy it - There are a lot of add-on coverages you can purchase when buying insurance. Coverage for things like vanishing deductibles, towing coverage, and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but if you don't need them consider taking them off your policy.

How much auto insurance do I need?

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone's situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you could use an agent's help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving on a suspended license?
  • Is a new car covered when I drive it off the dealer lot?
  • How much underlying liability do I need for an umbrella policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Why are teen drivers so expensive to add on to my policy?
  • How can I get the company to pay a claim?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

When should I have guidance from an insurance agency?

A small number of people would rather talk to a local agent and doing so can bring peace of mind The best thing about getting free rate quotes online is that you can find lower prices and still choose a local agent.

After completing this simple form, your coverage information is immediately sent to participating agents in Durham who will give you quotes for your coverage. You never need to contact any insurance agencies since rate quotes are delivered instantly to you. You can get cheaper auto insurance rates without a big time investment. If you need to get a comparison quote from a specific insurance company, you would need to jump over to their website and fill out their quote form.

Finding the right insurance company needs to be determined by more than just a cheap price. A good agent in Durham will have answers to these questions.

  • What company holds the largest book of business for them?
  • How much training do they have in personal risk management?
  • Does the agency have a positive business rating?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If your car is totaled, how to they determine the replacement cost?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are claims handled at the agent's location?

How to choose the best auto insurance agent in Durham

When narrowing the list to find local Durham agents, you must know there are a couple different types of agencies that you can select. Auto insurance agents can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Agents that choose to be exclusive are contracted to one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are usually well trained on the products they sell and that can be a competitive advantage.

Below is a short list of exclusive insurance agents in Durham willing to provide price quote information.


4324 S Alston Ave - Durham, NC 27713 - (919) 249-7291 - View Map


2005 N Pointe Dr Ste 3 - Durham, NC 27705 - (919) 479-2077 - View Map


2402 S Miami Blvd #103 - Durham, NC 27703 - (919) 993-3555 - View Map

View more agents

Independent Agencies or Brokers

Independent agents are normally appointed by many insurers and that is an advantage because they can write policies through many companies enabling the ability to shop coverage around. If you want to switch companies, your agent can just switch to a different company which requires no work on your part. If you need cheaper auto insurance rates, you definitely need to include price quotes from a few independent agents to have the most options to choose from.

The following is a list of independent insurance agents in Durham willing to provide price quotes.


2530 Meridian Pkwy #300 - Durham, NC 27713 - (919) 322-3640 - View Map


3808 Guess Rd Suite J - Durham, NC 27705 - (919) 973-1507 - View Map


16 Consultant Pl Suite 102 - Durham, NC 27707 - (919) 682-4814 - View Map

View more agents

After getting good responses for all questions you ask as well as a affordable price, it's possible that you found an insurance agent that is reliable enough to service your policy.

Best reasons to buy car insurance in North Carolina

Even though it can be expensive, car insurance is a good idea for several reasons.

  • The majority of states have minimum liability requirements which means you are required to buy a minimum amount of liability insurance coverage in order to drive the car legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Ford, almost every bank will make it a condition of the loan that you buy full coverage to guarantee payment of the loan. If you default on your policy, the lender may insure your Ford at a much higher premium rate and require you to fork over the higher price.
  • Car insurance protects both your car and your personal assets. It will also cover medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of buying enough insurance are definitely more than the cost, especially for larger claims. An average driver in America is overpaying more than $869 every year so you should quote and compare rates each time the policy renews to ensure rates are inline.

A conclusion for your car insurance search

You just read many ideas to compare Ford Fusion Energi insurance rates in Durham. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the lowest rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Cheap Ford Fusion Energi insurance in Durham can be bought both online and also from your neighborhood Durham agents, so you need to quote Durham car insurance with both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and these smaller companies sell through independent agents.

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