If you want to save money, the best way to get affordable Chevy Cobalt insurance is to compare quotes once a year from companies in Durham. Price quotes can be compared by following these guidelines.
- Try to understand how insurance works and the changes you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as careless driving and poor credit can be improved by making minor driving habit or lifestyle changes. Keep reading for more details to help find cheaper rates and find discounts that may have been missed.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple companies.
- Compare the quotes to your existing coverage to see if you can save by switching companies. If you find better rates, ensure there is no coverage lapse between policies.
- Notify your current company of your decision to cancel your current policy and submit payment along with a signed and completed policy application for the new policy. As soon as you receive it, put the certificate of insurance in a readily accessible location in your vehicle.
One piece of advice is to try to compare the same physical damage deductibles and liability limits on every quote and and to look at as many companies as feasibly possible. This ensures an apples-to-apples comparison and a complete selection of prices.
Unbelievably, a large majority of drivers in North Carolina kept their coverage with the same auto insurance company for well over three years, and approximately 38% of consumers have never even shopped around for affordable coverage. The average driver in the U.S. could pocket 46.5% a year just by getting comparison quotes, but they don’t understand how simple it is to compare rate quotes online.
If you have a current auto insurance policy, you should be able to save money using the techniques covered below. Finding the cheapest auto insurance coverage in Durham is not rocket science. But North Carolina consumers benefit from understanding the way companies calculate your policy premium because rates fluctuate considerably.
How to buy Durham Chevy Cobalt insurance online
The majority of larger companies such as Progressive, GEICO, Allstate and State Farm make it easy to get coverage prices directly from their websites. Comparing prices online for Chevy Cobalt insurance in Durham is easy for anyone because it’s just a matter of typing in the amount of coverage you want on the page. Once you submit the form, the quote system collects information on your driving record and credit history and returns a price quote based on the data you entered. The ability to get online price quotes for Chevy Cobalt insurance in Durham simplifies rate comparisons, and it is imperative to do this if you are searching for the cheapest price on insurance.
To save time and use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you enter the coverages as close as possible to your current policy. This helps ensure you’re receiving an apples-to-apples comparison for the exact same coverage.
The following companies have been selected to offer quotes in Durham, NC. If you wish to find the cheapest auto insurance in North Carolina, we recommend you visit several of them to get a more complete price comparison.
Chevy Cobalt insurance coverage information
The rate table shown next showcases different insurance prices for Chevy Cobalt models. Understanding how auto insurance policy rates are established can be valuable when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $90 | $236 | $296 | $18 | $88 | $728 | $61 |
| Cobalt XFE 4-Dr Sedan | $90 | $236 | $296 | $18 | $88 | $728 | $61 |
| Cobalt LS 2-Dr Coupe | $102 | $236 | $326 | $20 | $98 | $782 | $65 |
| Cobalt XFE 2-Dr Coupe | $102 | $236 | $326 | $20 | $98 | $782 | $65 |
| Cobalt LT 4-Dr Sedan | $102 | $236 | $296 | $18 | $88 | $740 | $62 |
| Cobalt LT 2-Dr Coupe | $116 | $236 | $326 | $20 | $98 | $796 | $66 |
| Cobalt SS Turbo 2-Dr Coupe | $128 | $306 | $326 | $20 | $98 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in specific Durham garaging location which can decrease or increase insurance rates greatly.
The illustration below shows how choosing a deductible and can affect Chevy Cobalt insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.
Careless Durham drivers pay higher rates
The example below illustrates how violations and accident claims raise Chevy Cobalt auto insurance costs for different categories of driver ages. Data assumes a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Insurance quotes from local Durham insurance agents
Many drivers just want to talk to a local agent and doing so can bring peace of mind One of the benefits of comparing insurance online is the fact that you can find the lowest rates and still choose a local agent. And supporting neighborhood agents is definitely important in Durham.
After completing this form (opens in new window), your information is immediately sent to agents in your area who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to leave your house since rate quotes are delivered to your email. It’s the lowest rates AND an agent nearby. If you have a need to get a price quote from one company in particular, don’t hesitate to jump over to their website to submit a rate quote request.
If you want to buy insurance from a reliable insurance agency, there are two different types of agencies and how they are distinctly different. Agents are categorized either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they can write business with an assortment of companies and find you cheaper rates. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.
When shopping rates, you absolutely need to get some free quotes from a couple of independent agencies to have the most options to choose from.
Shown below are independent agents in Durham who may provide price quotes.
Superior Insurance of Durham
3825 S Roxboro St #118 – Durham, NC 27713 – (919) 224-8034 – View Map
Insurance People-N Carolina
1920 Front St # 750 – Durham, NC 27705 – (919) 383-0442 – View Map
Bull City Insurance
121 Sherron Rd #302 – Durham, NC 27703 – (919) 596-0671 – View Map
Exclusive Agents
Agents that choose to be exclusive have only one company to place business with such as State Farm, Allstate, and Farm Bureau. They generally cannot shop your coverage around so always compare other rates. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price.
Below is a list of exclusive agents in Durham that are able to give comparison quotes.
Nationwide Insurance: Craig Insurance Group Inc
6224 Fayetteville Rd #106a – Durham, NC 27713 – (919) 544-8484 – View Map
Nationwide Insurance Marsh Dawson Agency
821 Hanson Rd – Durham, NC 27713 – (919) 806-5109 – View Map
Ashley Manuel – State Farm Insurance Agent
5842 Fayetteville Rd #112 – Durham, NC 27713 – (919) 544-8101 – View Map
Finding a good car insurance agent shouldn’t rely on just the price. Here are some questions to ask:
- Do they specialize in personal lines auto insurance in Durham?
- Is the coverage adequate for your vehicle?
- Are you getting all the discounts the company offers?
- Can they give you a list of client referrals?
- Do they receive special compensation for putting your coverage with one company over another?
If you receive acceptable answers to any questions you have as well as offering an affordable quote, it’s a good possibility that you have found a car insurance agent that will properly service your insurance policy. It’s important to know that you can always cancel a policy whenever you wish so don’t think you’re contractually obligated to any particular company for the entire policy term.